Buyers Now Have the Upper Hand as Seller-Buyer Gap Hits 10-Year High | Real Estate Market Update w/ Martin Perdomo

The real estate landscape is shifting dramatically as mortgage rates ease to a 10-month low of 6.58%, creating a strategic window of opportunity for savvy investors. This pivotal moment represents the calm before what promises to be a resurgent market in 2025, offering a rare advantage for those with acquisition capital ready to deploy.

What makes this moment extraordinary is the historic imbalance between market participants. Currently, there are 36% more sellers than buyers—the largest disconnect since 2013. This pressure has caused nearly 14,000 sellers to pull their listings between May and July alone, creating unprecedented negotiating leverage for prepared buyers. As pending home sales tick up 1.6% year-over-year and buyer demand indices begin to rise, the signs of a market transition are unmistakable.

The smart play? Secure properties that cash flow at today's higher rates, knowing refinancing opportunities are on the horizon. Financial institutions are already underwriting loans with anticipated rate cuts factored in, signaling confidence in lower rates ahead. The fundamental principle remains true: you date the interest rate but marry the property. Properties performing adequately at 7-7.5% interest will generate exceptional returns when refinanced at the projected 5.75% within the next two years. This buy-now, refinance-later strategy positions investors to benefit from both current buyer leverage and future appreciation as the market inevitably heats up.

Don't miss this transitional period before competition intensifies again. For regular market insights, deal breakdowns, and exclusive strategies, follow @EliteStrategist on Instagram, TikTok, and YouTube. The future looks bright for those who recognize and act on this strategic opportunity.

Chapters

• 0:00 Mortgage Rates Drop to 10-Month Low
• 0:33 Shifting Market Momentum for Buyers
• 1:00 36% More Sellers Than Buyers
• 1:40 Buy Now, Refinance Later Strategy
• 4:00 Future Market Predictions and Contact
• 6:10 Final Thoughts on Market Opportunity

Transcript

Speaker 1: 0:00

Mortgage rates are easing. The average 30-year fixed rate dropped to 6.58%, a 10-month low. That's nudging buyers off the sidelines. What's up? Wealthy AF, martin Perdomo here the Elite Strategist, and this week's real estate market update? It's all about shifting momentum. Pending home sales are up 1.6% year over year and Redfin's Home Bu home buyer demand index is tracking tours and buying consults is ticking higher, alongside home tour activity as well. Agents report a growing confidence. Some buyers are acting now, while others still waiting for further rate drops. But make no mistake, the window is open and it's opening even wider For investors. Low rates are reigniting demand, baby, that's right. This excites me. This really excites me. If you got acquisition capital now's when you want to put it to work. The landscape is looking even clearer. On the supply side. There are now 36% more sellers than buyers, the largest disconnect since 2013. You heard me right 36% more sellers than buyers, the largest disconnect since 2013. Sellers are feeling the pressure. Nearly 14,000 fell off market from May to July. Okay, where's your opportunity? Your opportunity to buy is right now.

Speaker 1: 1:42

Guys, I'm making a bet that the rates are going to drop next year. I've been saying this for a while. I was hoping that they would drop. They would have dropped some by now, but now for sure we know they're going to drop this last quarter of 2025. And next year this time we should be at least one point lower. That means go out, buy right, because, remember, you make your money when you buy. You date the interest rate and you marry the property. Buy now If your property's cash flow in today's market it's going to be a walk in the park.

Speaker 1: 2:16

I already called my banker and said hey, I have some of these loans at 7.5%, commercial loans, that for properties that I bought last year, 23 and refied in 24. How are you guys looking? How are you underwriting? So I'm already having those discussion with my, with my lenders. I'm going to suggest that you start having those discussions as well. But the rates are coming down. She already told me that they're underwriting. So small community bank, but they're already underwriting with a quarter percent rate cut, already underwriting this week, right now.

Speaker 1: 2:52

This was maybe an hour ago from the time of the recording of this podcast on August 28th. So just a little insight for you, my listeners. Right, I'm giving you the edge. They already are underwriting. I got another property. I'm refinancing that service to a DSCR loan, which I got a rate of 6.87%, and just last month I had refinanced a property and I got a seven and a quarter percent. So just to give you an idea, rates are coming down, which means higher cash flow. The numbers work, which in turn means higher prices. Prices will come up. It's the fundamentals. Okay, back to this.

Speaker 1: 3:36

With fewer buyers committed and more and more options are available, sellers are pulling listings, some are delaying, some decided to rent out instead. Again, if you're a buyer in the market, this is an opportunity for you to go out there and make your offers, and sometimes you'll be able to get away with making some not so much respectful offers right now because they're just not getting any action. But that's going to tilt soon. I believe by next spring the market will change and we'll be in a hot market again. The balance has tilted. My friends, this is not just a cooling market, it's a strategic opportunity. Drop in with structured offers and creative funding and you're likely to negotiate better terms. So, like I mentioned a moment ago, there's opportunities right now. Opportunities right now for creative finance, deal opportunities right now to buy right at a lower price and just even if you make less cash flow, then you go next year and refi it. That's the strategy. That's the strategy I'm teaching my students right now is to buy right. Make sure you underwrite conservative now, because think about go next year and refi it. That's the strategy. That's the strategy I'm teaching my students right now is to buy right. Make sure you underwrite conservative now, because think about it, guys.

Speaker 1: 4:50

If the numbers make sense today, with seven, seven and a half percent interest rates, what will it be? How will that property cashflow in two years from now when the rates are 5.75? Quote me on that. I believe we're going to level off between five and a quarter and 5.75% interest rate. That's a fair number. The economy stays steady and everybody is. You know money is not super cheap, money is not super high, but that's a good number. Quick summary the mortgage rates are easing, buyers are creeping back, seller activity is pulling back, inventory remains, but bargaining room grows. If you've lined up funding and have a clear underwriting model, the scales are tipping in your favor.

Speaker 1: 5:40

My friend, if you want to stay up to date with these shifts in real time and get first access as my book launch approaches, make sure you're following me on IG, on Instagram, tiktok. I'm on TikTok now, guys, so make sure you go, follow me over there, I'll follow you back and YouTube at Elite Strategist, I'm sharing behind the scenes insights, deal breakdowns and strategies that don't make it into the headlines. That's this week's real estate market update. Be strategic, be early and be elite. Stay focused. The future looks bright. Peace out.