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Practical answers for San Francisco buyers—cash vs. financing, how much to offer above asking, and the decisions that come up before offer day.

Strategy November 12, 2026

Zillow Says Single-Family. What If It’s Actually a Duplex?

What I check before my buyers make an offer on a San Francisco home.

When the listing and the city records may not match—what to check in the 3R, merger rules, and duplex financing before you offer.

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Strategy November 10, 2026

Buying in San Francisco? Can You Trust the Asking Price on Zillow?

What bidding on vintage bags taught me about home prices—and when another $50,000 is worth it.

Why some San Francisco homes are listed below what sellers expect—and a practical Zillow exercise to help you understand what your budget could buy.

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Strategy October 6, 2026

Should You Pay Cash for a $5M Home in San Francisco?

When an all-cash offer helps you compete—and when keeping liquidity after closing matters more.

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