Monthly Archives: February 2014

Here’s My Favorite SF Liquefaction Map

This being earthquake country, it’s important to know what sort of ground lies beneath the home you own or are planning to purchase. In San Francisco, there are liquefaction zones, which are essentially landfill and are not recognized to be as stable. I’ll let Wikipedia explain it in more detail here.

Yes, people are buying and selling property all the time who live in what are deemed liquefaction zones. Some of the most popular neighborhoods, in fact, are those which are very much a part of these zones. Think the Marina, North Beach, South Beach, Mission Bay, South of Market, and the Mission. But that factor isn’t stopping developers, who are building new condo developments at a frenzied pace in the last four of those neighborhoods.Continue Reading

Don’t Leave Money on the Table By Selling Off Market

I’ve written favorably about off-market sales in the past (most recently, here). And I still believe such sales can be beneficial for all the reasons I mentioned in that blog post from a year ago. But the market has changed a lot since then, and I firmly believe that limiting exposure to one’s home in the 2014 market creates a high likelihood that you’ll leave money on the table.

A recap: An “off-market” sale is one that occurs without an agent having listed the property in the Multiple Listing Service (MLS) database. All agents who pay a membership fee to the San Francisco Realtor Association have access to the MLS. By restricting access to your home to agents in various smaller networks or within one agent’s company, you’ll never know what price you can truly attain.Continue Reading

Excelsior in the Spotlight, SF Gets Dynamic

The latest Zephyr MarketTracker shines the spotlight on the Excelsior neighborhood. Recently profiled in The Chronicle for its residents’ desire to build up the retail area along Mission, the Excelsior continues to attract first-time home buyers.

We also take a look at which American cities are considered to be the most dynamic based on a variety of factors. Guess which city tops the list?!

Plus recent sales and stats. It’s all here in the Zephyr MarketTracker!

Sell Now If Your Home Calls for Compromise

Sell Now If Your Home Calls for Compromise

We’re almost two months into 2014, and homes are selling like hotcakes. Limited inventory and high demand are driving the market, and as I tour homes in all neighborhoods of the city throughout the week, I wonder: Why aren’t more people selling?

Because now is absolutely the time to put your home on the market if you have any inclination to do so. Maybe you have that job relocation possibility in Denver? Or you’ve owned your house in the Sunset for the last 25 years and would rather be living in wine country? There are plenty of reasons you might be considering a big move, and I’m here to tell you that you should take advantage of the market while it’s still in your favor.Continue Reading

Thanks for Another 5-Star Yelp Review!

My client just purchased a fantastic condo in the Haight, and also happened to write a very nice Yelp review for me. I wanted to share her review, because it will give you a sense for what I do in addition to keeping this blog going year after year (click on the review to make it larger):

If you’re a buyer in need of an agent who will look out for your interests and help you craft a strategy for a successful house hunt, please give me a shout! I’m taking on new clients at the moment and would be happy to chat with you.

And if you’d like to check out my other 21 Yelp reviews and video about my business, just click here.

Think Outside the Neighborhood Box for Under $1M

The single-family home market in San Francisco is a very competitive one, and the average price for a house is above $1M at this point in time. So it takes some serious strategizing, compromising and an open mind when it comes to finding a house for under a million dollars.

Most buyers in this price range realize quickly that if they want a house, they’ll need to go beyond buyer-saturated neighborhoods like Bernal Heights, Glen Park or West Portal. Because for every ten people who’d like to live in Bernal, there are maybe five that’ll consider less obvious and familiar areas.Continue Reading

All About Location for TIC Sales

All About Location for TIC Sales

Tenancy-in-common (TIC) interests have traditionally been popular with buyers who value a more central location in a desirable neighborhood. Because when it comes to affordability, TICs still will get you more space in a better location than a condo will.

And the neighborhoods in which TICs have sold recently read like a who’s who of hot ‘hoods. Here’s where buyers purchased their TICs from October 2013-February 12, 2014:Continue Reading

Buy the Right Insurance for Short-Term Rentals

The biggest mistake homeowners make when using their property as a short-term rental on sites like Airbnb is having insufficient insurance.

Though Airbnb guarantees up to $1M for property damage, there’s no coverage for an extremely important item—personal liability. If a guest is injured on your property, you’re on your own.

What you need to have in place is a vacation rental policy, which includes coverage called “personal injury,” says Roger Larson of Larson Insurance Brokers/TWFG Insurance Services. This protects you if a short-term tenant is injured during his or her stay. Larson says that many property owners assume they’ll be covered for personal liability on their existing policy. But liability on a primary home policy doesn’t cover any type of rental exposure.Continue Reading

Full House for Our Home Buyer Workshop

Much-needed rain didn’t keep away the very nice folks—including kids and dogs!—-who attended our Home Buyer Workshop this past Saturday. We were pleased to meet many prospective San Francisco home buyers interested in how to approach the possibility of purchasing a home.Continue Reading

Just Sold: Gorgeous Haight Condo

Just Sold: Gorgeous Haight Condo

My client just purchased 117A Frederick, a beautiful one-bedroom condo in a classic and very special Queen Anne Victorian in the Haight.

The top-floor unit features fabulous period details, a nicely remodeled kitchen and bath, skylights, private deck and an amazing bedroom with fireplace in the turret. The building itself is set back from the street, surrounded by landscaped gardens. There’s also a private garage and storage.

List price: $795,000; the seller received a total of seven offers.

What You Could’ve Bought: For Under List Price

It’s unusual in the current San Francisco market for buyers to be able to purchase a home for less than the list price. Most of the time, a property has to be on the market for at least a couple months, and even then, there’s no guarantee the seller will be willing to take less. But here are three homes that changed hands for substantially less than asking:Continue Reading

How Do You Compete in the SF Real Estate Market?!

You’ve been hearing all the horror stories from your friends who have been toiling away in the San Francisco real estate market encountering crazy multiple-offer situations, being one-upped by cash offers or just generally having their offers rejected.

Yet you still want to jump in and buy a property in the city. But what do you need to do to ensure success?

You’re in luck, because I’ll be hosting the Home Buyer Workshop with my colleague, Mike Koran of Primary Residential Mortgage, this Saturday, February 8th. We’ll be talking about what you can expect in the market, how to get your financing going, and ultimately, how to compete.

We’ll also throw in a little bonus chat about what the actual purchase transaction timeline looks like, so you have a heads up on what needs to be in place—and when.

So join us if you’re a would-be home buyer who’s getting serious about hitting your real estate goal in 2014:
Home Buyer Workshop
Saturday, February 8th
1746 18th Street, between Arkansas & Carolina in Potrero Hill

RSVP to Eileen at, or call/text me at 415-823-4656.

Looking forward to hearing from you!

Get in touch:

Eileen Bermingham

Zephyr Real Estate


BRE# 01352627

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