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When you’re looking at the real estate market here in Columbia, the most important thing to understand is that the "right" time to buy or sell is rarely about timing the market perfectly and almost always about your specific financial readiness. Whether you’re looking at a first home in Rosewood or an investment property near UofSC, the fundamentals of personal finance apply: your debt-to-income ratio and credit health will always dictate your options more than the national headlines do. In my recent look at the 2026 mortgage forecast, I’ve been focusing on how shifting requirements are going to impact local buyers. We are seeing a move toward more flexible lending standards, but that doesn't mean you should wait. Locking in a strategy now allows you to build equity while others are sitting on the sidelines. My approach is to look at your entire financial picture—not just the mortgage—to ensure that a real estate move actually moves the needle on your long-term wealth. I’d love to take a closer look at what you’re trying to achieve with your next move. Feel free to reach out, and we can sit down to run the numbers and see what makes the most sense for your situation.