🔥 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. Rates are falling, sellers are softening, and buyers are prepping for 2026. The wholesalers who take action this month will dominate Q1.