Is it finally time to make a move?

In this episode of Mortgage Heroes Weekly, Andy and Brian break down three of the biggest topics dominating San Diego real estate right now:

🏠 Multi-generational homes & ADUs (Accessory Dwelling Units)
📉 Mortgage rates finally trending down
⏳ Should you buy now… or keep waiting?

With inventory tight and rates easing, the 2026 spring market is shaping up to be highly competitive. If you're sitting on the sidelines waiting for “the perfect moment,” this conversation might change your strategy.

We dive into:

- The real math behind building an ADU ($200K–$250K build cost vs. long-term cash flow)
- Who should not build an ADU (important!)
- The “Triple Play” strategy for converting a single-family home into 3–4 units
- Why waiting for rates to drop could actually cost you equity
- How falling rates impact negotiation tactics (2-1 buydowns, seller credits, ARMs)
- When refinancing makes sense — even if you bought just 2–3 years ago
- Who should be looking at a HELOC or cash-out refinance right now
- Why spring 2026 could heat up fast in San Diego

If you own a home, are thinking about buying, or are wondering whether rates coming down changes your strategy — this episode is tactical, timely, and worth your attention.

🔔 Subscribe for weekly real estate and mortgage strategy updates designed to help you win in the San Diego market.

#SanDiegoRealEstate #MortgageRates #ADU #AccessoryDwellingUnit #HomeBuying #Refinance #RealEstateInvesting #MultiGenerationalLiving #HousingMarket2026 #BuyNowOrWait #VAHomeLoan #HELOC #CashOutRefinance #FirstTimeHomeBuyer #MortgageHeroes