🔥 DECEMBER 2025 REAL ESTATE MARKET UPDATE

Rates, Motivation & Why This Month Is a Gift for Dealmakers

📉 Mortgage Rates Are Sliding:

30-year rates have dipped toward the low-6% range, the lowest levels seen all year. Buyer activity is waking back up, but not fast enough to remove seller pressure.

🏚️ Seller Motivation Is Increasing:

Many homeowners are still “rate-locked” and don’t want to list publicly.

Life changes + rising insurance costs (especially in high-risk zones) = more off-market motivation.

Properties sitting longer = sellers more open to discounts, creative terms, and fast closes.

🏡 Inventory Still Tight:

Demand is steady, but supply isn’t flooding the market — meaning off-market wholesalers have the advantage because they can bring deals buyers can’t find on the MLS.

💰 Investors Are Coming Back:

Lower rates = more buyers, especially flippers and landlords preparing for 2026.

This is the moment when buyers start buying before the market heats up again.

📍 California & Major Metros:

Tight inventory → strong values, but motivated sellers are quietly increasing.

Climate-risk areas (insurance spikes) are producing some of the best wholesale opportunities.

2026 zoning changes (SB 79) will open up new multifamily potential around transit zones — perfect timing to lock up small lots now.

🎯 What Wholesalers Should Do RIGHT NOW:

Hit absentee owners, tired landlords, probate, pre-foreclosure, and high-insurance ZIP codes.

Market “fast close, no repairs” — it speaks directly to today’s seller psychology.

Build your buyers list — investors are returning thanks to rate drops.

December 2025 is a PRIME month for deal hunters.