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July 08.2025
3 Minutes Read

Investors Now Own 27% of U.S. Homes: What This Means for Buyers in Bakersfield

Suburban home for sale with a sign, investors buying homes.

The Investor Invasion: A Shift in Home Buying Dynamics

The U.S. housing market is witnessing a significant transformation, as real estate investors secure an increasingly dominant share of homes sold across the country. A recent report revealed that investors purchased an astounding 27% of homes in the first quarter of 2025—marking the highest percentage in five years. This surge reflects the growing struggle traditional buyers face amidst soaring home prices and elevated borrowing costs.

Affordability Crisis: Who's Being Left Behind?

As traditional buyers grapple with escalating housing expenses, investors are stepping in with cash reserves and financing advantages, significantly affecting the market dynamics. According to BatchData, the number of homes bought by investors has consistently increased since 2020, highlighting a stark contrast to the declining ability of first-time and conventional buyers to enter the market.

Rising Inventory and the Appeal for Cash Buyers

The slowdown in home sales, partly attributed to rising mortgage rates since 2022, has led to longer selling times and a larger inventory of homes available for purchase. This environment is particularly favorable for investors who can afford to avoid high mortgage rates by purchasing properties outright or using equity from other investments.

While investors bought 265,000 homes in the first quarter of 2025—an increase from the previous year—this uptick serves primarily as a response to the persistent sales decline affecting traditional buyers. The competitive edge held by investors is evident as they navigate lower buyer demand with cash transactions, which allows them to sidestep the hurdles linked to financing.

Encroaching Investor Influence in Local Markets

This influx of investor purchases has profound implications for the local housing market in areas such as Bakersfield, CA. As homeowners seek affordable options, investor dominance can put upward pressure on prices, locking many potential homeowners out of the market entirely. Bakerfield residents may find themselves increasingly at the mercy of this shift, where homes that might have otherwise been accessible are snapped up by investor entities.

The Role of Institutional Investors and Future Prospects

The report from BatchData also highlights that while mom-and-pop investors dominate the landscape, holding about 85% of investor-owned homes, the activity of institutional investors is starting to retreat. Notably, six out of eight major institutional firms that typically purchase large volumes of homes sold more properties than they acquired in the second quarter of 2025. This trend may suggest an inflection point in the market, where institutional investors reconsider their strategies amid fluctuating profits and increased scrutiny.

Statistical Insights: What the Numbers Reveal

Analyzing the trajectory of investor purchases offers a window into the broader economic climate and housing trends. Between the years 2020 and 2024, the overall market saw investor acquisitions rise from 18.5% to nearly 27%, reflecting a drastic shift in home-buying patterns. This increase underscores how a vast segment of would-be homeowners is struggling against a daunting affordability crisis.

Local Impact: Navigating the New Normal

For residents in Bakersfield, the current real estate landscape poses both challenges and opportunities. As investors concentrate their purchases, the traditional avenue of home acquisition may require reassessment. Solutions may involve innovative strategies such as collaborative purchasing among local homebuyers, community engagement initiatives, and exploring varied financing models to create more accessible pathways to homeownership.

Looking Ahead: What Can Be Done?

Communities must rally to address the market disparities driven by investor activities. Local governments and organizations could play vital roles in crafting programs aimed at easing the homeownership process for residents. Initiatives promoting affordable housing projects or offering financial literacy programs may empower potential buyers, ensuring that they too can compete in this challenging market.

Conclusion: A Call to Action

As the housing market evolves, so must our strategies and solutions to forge pathways to homeownership in our communities. Individuals interested in buying homes should consider collaborating with local organizations to explore collective buying ventures or pursuing educational resources to improve their financial readiness. Together, we can work towards ensuring that the American dream of homeownership remains attainable for everyone, even amidst these turbulent times.

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07.11.2025

Discover the Unique History of Blufftop Del Mar Cottages for Sale

Update The History of Cottages in Del Mar Located along the scenic coast of California, the five blufftop cottages in Del Mar are not just real estate; they represent a slice of history dating back to the late 1800s. Originally built in 1886 as part of a vision by Colonel Jacob Taylor, founder of Del Mar, these cottages were crafted as a seaside resort for the elite of the time. Del Mar, then a day's ride from San Diego, became a favored destination. The cottages, part of the Casa Del Mar, were designed to welcome the affluent traveling by horse-drawn carriage. Modern Renovations and Legacy Over the decades, the cottages transformed alongside technological and social advancements. Owned by the Rhett family since the mid-1980s, extensive renovations have brought the cottages up to modern living standards, adding amenities such as running water and bathrooms. The family's dedication has been to preserve these unique dwellings that echo a bygone era while ensuring they are functional and comfortable for current buyers. A Real Estate Offering Like No Other As of July 2025, these storied cottages are listed as a single package for $21,995,000. According to Craig Lotzof, one of the realtors representing the listing, these properties are unparalleled in Del Mar’s market today. Their unique architectural design, characterized by a charming blue and white exterior completed in 2002, earned them an Orchid award from the San Diego Architectural Foundation. This accolade highlights not only the aesthetic appeal but also the commitment to blending tradition with contemporary design principles. What the Cottages Offer Today Each cottage measures 700 square feet, equipped with a one-bedroom layout, a loft, and one-and-a-half bathrooms. Despite their compact size, the cottages boast high ceilings and cleverly designed spaces that create an illusion of greater expansiveness. They are designed for comfort and functionality while providing breathtaking, 180-degree ocean views from their bluff-top locations. This is indeed a unique opportunity for those looking for historical charm infused with modern comforts. The Emotional Journey of Selling Randolph Rhett, representing the family, voiced mixed emotions about parting with these cherished properties. For over 40 years, these cottages have not only been a family retreat but a part of their legacy. The decision to sell comes as their family dynamics change, prompting a heart-wrenching farewell to a place filled with memories. Potential Buyers and Marketing Appeal The Cottages of Del Mar cater to diverse potential buyers ranging from investors, seeking a unique property with historical resonance, to individuals and families looking for a vacation home with an unparalleled coastal view. Del Mar is known for its upscale living and vibrant community, thus adding to the attractiveness of these cottages in the luxury real estate market. Concluding Thoughts: The Value of Living History These cottages serve not only as a living space but as a testament to California’s rich history and its evolution over time. For potential buyers in and around Bakersfield—or anywhere in California—this offering represents ownership of a piece of historical architecture that embodies the spirit of adventure and luxury from a long-lost era. Such properties tantalize us with stories of the past while promising an alluring lifestyle today. As your search for the perfect home continues, consider whether owning a historical piece of Del Mar could be your next adventure.

07.03.2025

San Diego's Andia Condo Tower: Luxury Living Amid Economic Uncertainty

Update A New Chapter for Downtown San Diego: 40-Story Andia Condo Tower Bosa Development is set to reshape the skyline of downtown San Diego with the construction of the Andia, a stunning 40-story condominium tower located at 1160 9th Ave. Slated for completion in spring 2027, this ambitious project will consist of 399 units ranging from approximately 620 to 1,729 square feet, with prices starting in the high $500,000s and peaking at just above $800,000. This venture arrives at a time of market uncertainty, prompting Bosa Development to reevaluate future projects based on current economic indicators. Navigating Market Turbulence As the founder of Bosa Development, Nat Bosa acknowledges the challenges faced by developers in today’s fluctuating market. With mounting concerns over tariffs and rising interest rates, Bosa has paused further developments in the area until there’s more clarity. “We’re all waiting for interest rates to come down,” he stated. “These are not normal times.” This wait-and-see attitude emphasizes the cautious approach necessary within the real estate sector, particularly post-pandemic. From Rentals to Condos: A Strategic Shift Originally conceived as a rental apartment complex with 480 units, the Andia project underwent a significant redesign in response to shifting economic realities. Bosa made a decisive move to exit the rental market, stating that rising interest rates have made rental buildings financially unfeasible. “I’m not going to build any more rentals down in San Diego. That’s not our game,” Bosa remarked. This pivot reflects a broader trend in real estate, where profitability often dictates the direction of new developments. Key Features of Andia The Andia project promises to be a beacon of luxury living in downtown San Diego. Offering diverse unit sizes and top-tier amenities, this development aims to cater to varying lifestyles. Beyond just living spaces, Bosa’s vision includes modern design elements that speak to both aesthetics and functionality. As conveyed, “It’s going to be a sleek, beautiful tower.” The Impact on the Local Housing Market As we delve into the implications of this new project, it’s essential to consider how the Andia condo tower fits into the broader housing landscape in San Diego. With more than 50 units already sold, there is evident demand for high-quality condos. This influx of luxury housing could potentially alter the dynamics of the local market, impacting both home prices and availability of rental units. Future Developments in the Pipeline Despite the current market pause, Bosa Development has expressed intentions to explore several other downtown sites for future condo projects. With the groundwork laid for another tower at First and Island Avenues, the hope remains that as the economic climate stabilizes, Bosa will resume their contributions to San Diego’s downtown ambition. The Broader Economic Picture: Implications for Bakersfield Residents For individuals and families living in Bakersfield, this development represents a broader narrative within California's real estate market. The ups and downs of urban housing can influence job markets, local economies, and migration patterns. As potential buyers consider opportunities, understanding these trends becomes crucial for sound investment decisions. The ripple effects of San Diego's housing market may reach as far as Bakersfield, impacting housing availability and pricing in neighboring areas. Conclusion: Stay Informed and Prepared As the housing market continues to evolve amid uncertainties, prospective homeowners and investors should keep a close eye on developments such as the Andia condo tower. Understanding these dynamics equips buyers with knowledge, preparing them to navigate potential investments more effectively in an ever-shifting landscape. For those interested in exploring what this means for future home opportunities, it's crucial to stay informed. Your next dream home could be just around the corner, whether in Bakersfield or beyond.

06.27.2025

Discover Fox Hill Home Sites: Luxury Gated Community in La Jolla

Update Luxurious Living in La Jolla: A Rare Opportunity Awaits La Jolla, California, known for its breathtaking coastal views and upscale lifestyle, is about to add a spectacular new gated community to its roster. Nestled on 30 acres of prime hilltop property that was once part of the historic Copley estate, the Fox Hill community is set to offer an unparalleled living experience. This exceptional opportunity marks the first new gated community built in La Jolla in 40 years, underscoring the uniqueness of this development. A Glimpse into the Development The upcoming community, managed by Foxhill Reserve, Inc., includes five custom lots ranging from 10,230 to 13,027 square feet, with prices tagged between $8.3 million and $9.25 million. According to the listing agents Brett Dickinson and Ross Clark of Compass, these properties promise "spectacular 180-degree views" from their elevated positions. Dickinson has fondly referred to the site as "an island on top of the hill," creating an image of exclusivity and serenity. Historical Significance Behind the Land The location's history adds an enchanting layer to its allure. The original Copley home, built in the 1950s for publishing magnate James Copley, has been a landmark in the region. This legacy continues as the property, now under development for new luxury homes, retains its historical essence while modernizing the living experience. The area has seen significant investments, evidenced by the $35 million record sale of a nearby home last year, illustrating the rising value and desirability of La Jolla real estate. What Makes Fox Hill Special? The allure of this new gated community emanates from its combination of luxury and nature. The developers have designed the Fox Hill community to seamlessly integrate with the surrounding natural beauty, ensuring that residents benefit from both aesthetic pleasure and privacy. The development is strategically placed within a 22-acre preserve, granting residents access to green space while enjoying exclusive views. Market Trends and Future Outlook The introduction of Fox Hill comes at a crucial time for the luxury real estate market in Southern California. With increasing demand for high-end properties alongside limited supply, communities like Fox Hill are well-positioned to cater to affluent buyers. Experts predict that as urban areas continue to expand, the appeal of tranquil, upscale living locations will only increase, making this moment a pivotal opportunity for potential homeowners. Common Misconceptions about Gated Communities While gated communities are often associated with exclusivity, many potential buyers might view them as impractical or unnecessary. However, the benefits of living in a gated community extend beyond privacy; they often provide enhanced security, foster a sense of community, and offer amenities that enhance the quality of life. Fox Hill, in particular, is designed to create a holistic living experience balancing luxury with accessibility to serene environments. Your Future Refuge Awaits in La Jolla As Fox Hill prepares to open its doors to new homeowners, the opportunity is not just about acquiring property; it represents a lifestyle choice that values luxury, privacy, and connection with nature. For those considering an investment, this project signifies a rare chance to live in an environmentally conscious, meticulously planned community within one of California's most coveted areas. In conclusion, the Fox Hill home sites are shaping up to be one of the prime real estate opportunities in La Jolla. With its unique offerings, historical significance, and ideal location, this community presents an exceptional proposition for affluent buyers seeking to invest in luxury living. Don't miss out on this rare opportunity to be part of something spectacular. Explore your options with Fox Hill and secure your future luxury home in beautiful La Jolla.

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Rd","city":"Carlsbad","state":"CA","zip":"92011","email":"rmarketshare@yahoo.com","tos":"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","privacy":"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"}

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