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On The Market

Buy More, Wait, or Reinvest Cash Flow? (2025 Buyer’s Market)

On The Market

BiggerPockets

News, Education, Business, Investing

4.8858 Ratings

🗓️ 14 August 2025

⏱️ 38 minutes

🧾️ Download transcript

Summary

With housing market conditions shifting dramatically from a seller's to buyer's market, real estate investors are facing a critical decision: should you buy more properties now, pay down existing mortgages, or wait for even better deals? In this episode, On The Market host Dave Meyer and expert panelists Kathy Fettke, James Dainard, and Henry Washington dive deep into current market opportunities, sharing specific examples of deals that weren't available just months ago and debating whether declining home prices and falling mortgage rates create the perfect storm for investors. Dave, Kathy, James and Henry reveal their contrasting strategies on leverage versus debt paydown, explore how interest rates impact investment decisions, and discusse why timing the housing market perfectly might be less important than having a clear investment plan with target returns. Links from the Show Join the Future of Real Estate Investing with Fundrise Join BiggerPockets for FREE Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder Dave's BiggerPockets Profile Henry's BiggerPockets Profile James' BiggerPockets Profile Kathy's BiggerPockets Profile Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/on-the-market-347⁠ Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

Click on a timestamp to play from that location

0:00.0

We may be in a buyer's market, but does that actually mean it's time for you to buy real estate?

0:05.6

We haven't seen this type of market for a long time, so we're going to break it down today

0:10.4

and talk about whether you should buy new properties, pay down your mortgages,

0:14.1

or wait for even better opportunities down the line.

0:22.3

I'm Dave Meyer, welcome to On the line. I'm Dave Meyer.

0:23.6

Welcome to On the Market.

0:25.1

And today we're joined by our expert panel, Kathy Fecky, James Dana, and Henry Washington.

0:31.2

Kathy, how are you?

0:32.1

So good.

0:33.5

Yeah, it's Surf Week here in Malibu, so that's why I'm wearing a hat. Isn't that like saying it's rain week in Seattle? Hey, the summer's very nice here. James, happy birthday. Oh, that's right, my man. You had a good party, it looked like. Yeah, we were out of seafarer. Blue Angels, air shows, hydroplanes, boats. That's kind of birthday. James, when was your birthday?

0:55.2

I feel like a dummy. It was on the second. Oh, happy belated. You know, I'd prefer if I didn't have

1:01.3

anymore. No, that's, I don't know if you know what that means. If you don't have any more birthdays.

1:07.7

Either get older, you die. Gotta love the birthdays. Yeah, exactly. Yeah.

1:12.1

And Henry, how's it going, man? I am great. I, for one, like being alive. So I would love some more

1:17.2

birthdays. Yeah, amen. Believe in that. All right. We got a great show for you guys today. We were

1:25.0

talking about the fact that we are in a buyer's market,

1:27.9

but as you probably all know, this does cause some confusion because some people see a buyer's

1:32.4

market as an opportunity. Some people see it as a risk. So we are going to take sort of a big

1:38.9

picture look at the whole nationwide real estate market and talk about regional differences,

1:43.7

of course. But

1:44.5

generally speaking, who should be buying, who should be paying off their mortgages, who should

1:49.4

be waiting, maybe who should be selling? Let's just talk a big picture strategy about the market

...

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