In this episode, Amanda and Ying take on a topic that’s been getting a lot of attention lately: the idea of a 50-year mortgage. We structured the conversation as a debate.

Ying argues for the potential for affordability especially for renters who feel locked out of the market and need another pathway into homeownership. Amanda takes the other side, calling out the long-term tradeoffs: higher interest costs, slower equity, and what this could mean for the housing landscape overall.

We are hoping this episode will show you the potential impact of the 50 year mortgage and how it should be utilized if passed.

You can access the slides here: 50 Year Mortgage Debate

Episode Youtube Link: 50 Year Mortgage Debate

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Amanda Martin | Lic #01386284
Ying He | Lic #01964556

BarbCo Real Estate Group

In this episode of The Bay Insider, we head to Mount Davidson Manor, a quiet gem on San Francisco’s west side with deep roots and undeniable charm. Joined by resident Deepti, they explore what makes this 1920s neighborhood so special: its Spanish-Mediterranean architecture, detached homes, ocean views, and that rare sense of calm you don’t often find in the city.

They also trace the legacy of Fernando Nelson, the builder behind much of western San Francisco, and share a few local favorites along the way, from Charm Café and Ambrosia Bakery to Ocean Ale House and Aptos Park.

History
Fernando Nelson
George Davidson
Seven Hills of San Francisco

Restaurants, Cafés and Bars

Ambrosia Bakery
Champa Garden
Charm Café
Cherry Blossom Café
Fruit Barn
Lucho’s
Ocean Ale House
Ofena
Pakwan Restaurant
Philz Coffee
Sakesan
The Plant Lady

Shops
Stone’s Town / Stonestown Galleria
Target
Trader Joe’s
Walgreens
Whole Foods

Recreation
Aptos Park
Balboa Park
British Swim School
CC Arts and Crafts
Mount Davidson
Little Oceanauts
Terrace Green Park
Vibo Music
West Portal Park
YMCA
24 Hour Fitness

To see the full list, visit thebayinsider.com

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Amanda Martin | Lic #01386284
Ying He | Lic #01964556

BarbCo Real Estate Group

In this episode of The Bay Insider, Amanda and Ying are unpacking what’s really happening in San Francisco real estate right now, from new policies with big ripple effects to one of the largest industry acquisitions still awaiting approval.

After a slower summer, the market’s showing more movement. Interest rates dipped, buyers are easing back in, and single-family homes are holding steady. Condos are starting to wake up again too, especially in SOMA and Mission Bay.

The bigger story? Policy shifts. The new ADU conversion law could open the door for homeowners to sell newly built units as condos, while the city’s proposed upzoning plan may reshape the west side altogether. Both raise real questions about density, access, and how the city evolves.

And on a national scale, Compass’s move to acquire Anywhere Real Estate is sparking plenty of conversation about what’s next for the industry and for independent brokerages like ours.

You can access their data file here: Q3 2025 Market Update Data

Episode Youtube Link: Q3 2025 Market Update Youtube Video

Follow The Bay Insider socials to stay in the loop
Instagram: @thebayinsider
Facebook: thebayinsider

Amanda Martin | Lic #01386284
Ying He | Lic #01964556

BarbCo Real Estate Group