Not long ago, I sat across from a longtime client—someone who bought their first home with me over a decade ago. They leaned in, coffee in hand, and asked:
“Shalaya, is it smarter to move up… or cash out?”
It’s a question I’m hearing a lot lately—and for good reason. Home values across Los Angeles and the Bay Area have appreciated tremendously in recent years. Whether you're in the Hollywood Hills, Oakland, or tucked into a charming bungalow in Silver Lake, chances are… you’re sitting on serious equity.
But what you do with that equity? That’s where clarity and strategy meet.
Let’s unpack both options—with a little love and logic.
💎 Option 1: Move Up
If your current space no longer fits your lifestyle—maybe the kitchen’s too tight, you’re dreaming of a home office with better light, or your family simply needs more room—then it might be time to upgrade.
Here’s what makes “moving up” compelling right now:
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You can use the equity from your current home as a strong down payment on your next one.
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Interest rates are stabilizing, giving more flexibility in financing.
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There’s increasing opportunity to negotiate with motivated sellers.
✨ Tip: Consider a bridge loan or a HELOC if you're looking to buy before selling. I can help you run the numbers and explore the best fit for your scenario.
💰 Option 2: Cash Out
Sometimes, the next chapter calls for something entirely new—downsizing, relocating, or just freeing up capital for new investments or dreams.
You might consider cashing out if:
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You’ve hit peak value and want to maximize your return.
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Your lifestyle is changing—maybe you're craving less square footage and more freedom.
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You're eyeing out-of-state markets or planning for retirement.
✨ Lifestyle note: Cashing out doesn’t mean “settling down.” It could mean finally writing that book, starting that business, or taking that long-desired sabbatical.
So... What’s the Right Move?
The answer lies in your vision, your needs—and yes, your numbers.
Whether you're leaning toward the excitement of a new address or the freedom that comes with unlocking your home’s value, I’m here to help you weigh it all. Not just as your real estate agent—but as your strategic partner and biggest advocate.
Let’s sit down, sketch out the possibilities, and create a plan that honors the life you’re building.
