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    <loc>https://www.dpaulsf.com/blog/june-2022-market-report-clear-indications-of-cooling-market-dynamics</loc>
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    <lastmod>2022-06-16</lastmod>
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      <image:title>blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming soon” listings posted to MLS. All numbers should be considered approximate.</image:caption>
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      <image:title>blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>Photo by Koushik Chowdavarapu on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/249b0d51-b804-4188-b694-5d11626894df/Slide10.JPG</image:loc>
      <image:title>blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>House, condo, TIC, co-op, townhouse activity reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month estimated based on available data, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/ecb5896e-5812-446a-80c6-1107292ceb6d/Slide16.JPG</image:loc>
      <image:title>blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. “Condo/Co-op Sales” include TICs and townhouses. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/b5f43ad0-2303-42fd-91d8-f3baf727d5df/Slide6.JPG</image:loc>
      <image:title>blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>2-month rolling trend line. University of Michigan: Consumer Sentiment [UMCSENT], retrieved from Federal Reserve Bank of St. Louis. Not seasonally adjusted. 1966, Q1 = 100.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/f89fa174-872f-4c01-b31e-35dd2cd6e951/Slide2.JPG</image:loc>
      <image:title>blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>Interest rates may fluctuate suddenly and dramatically. Data from sources deemed reliable but not guaranteed. Anyone interested in residential home loans should consult with a qualified mortgage professional and accountant.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/52e9acef-5d18-40c9-8f04-721d4cf2ceb6/Slide1.JPG</image:loc>
      <image:title>blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>Interest rates may fluctuate suddenly and dramatically, and it is very difficult to predict rate changes. Data from sources deemed reliable but not guaranteed. Anyone interested in residential home loans should consult with a qualified mortgage professional and their accountant.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/9f9e51b8-3a1c-4f58-8efe-fdc37a9514ea/Slide9.JPG</image:loc>
      <image:title>blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/e49d0cdb-16ab-4fcc-bc36-6931dcbf9c14/Slide8.JPG</image:loc>
      <image:title>blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming soon” listings posted to MLS. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/daadacea-7e92-4b54-b9f0-c5187bfbb444/S_P-500-YTD.jpg</image:loc>
      <image:title>blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>Data per MarketWatch.com, daily closing prices. Data from source deemed reliable, but may contain errors and subject to revision. Number should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/01212831-3a82-4dd7-b619-45012a511f5d/Slide12.JPG</image:loc>
      <image:title>blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>House, condo, TIC, co-op, townhouse sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month estimated based on available data, and may change with late-reported activity. Does not include sales unreported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/b8cea245-c67c-46c8-beac-db7938aa7d6e/Slide14.JPG</image:loc>
      <image:title>blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>House, condo, co-op, townhouse and TIC sales and listings accepting offers as reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. Estimates based on data available in early June. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/6b0f21ea-e27a-488d-a2d2-a794788e73ef/Slide4.JPG</image:loc>
      <image:title>blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>Per sales reported to NorCal MLS Alliance. Median sales price is that price at which half the sales occurred for more and half for less. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/a132e3e6-0260-4293-82a1-4ba0caf7f5b7/Slide15.JPG</image:loc>
      <image:title>blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>Sales reported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated from available data, and may change with late-reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/272b7814-be7b-47a0-b208-073ff49a6408/Slide17.JPG</image:loc>
      <image:title>blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/399d8cba-aa4a-4ee4-96cd-1c763ba031b4/Slide5.JPG</image:loc>
      <image:title>blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>*3-month rolling average of Consumer Price Index for All Urban Consumers: All Items in U.S. City Average [CPIAUCSL], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/CPIAUCSL, June 2022. Data from U.S. Bureau of Labor Statistics. All Items (CPIAUCSL) is a price index of a basket of goods and services paid by urban consumers. This particular index includes roughly 88 percent of the total population. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/06f6fbb4-d5c2-4ed3-b326-b403379cf12a/Slide11.JPG</image:loc>
      <image:title>blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month numbers estimated based on available data, and may change with late reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/f17f01e0-c76a-47b8-a013-87d132893be9/Slide6.JPG</image:loc>
      <image:title>blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>*3-month rolling sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/6bb83cdd-511e-4007-b555-69af36095137/Slide7.JPG</image:loc>
      <image:title>blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>*San Francisco, Marin, Alameda, Contra Costa, San Mateo &amp; Santa Clara Counties. Line delineates 2-month rolling average. Last month’s data is labeled “preliminary” by EDD. EDD often goes back to revise past data releases. Data from sources deemed reliable but may contain errors and subject to revision. Approximate illustration.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/0e559f70-09ad-4d38-8e5f-e4fd2ec20ed0/Slide3.JPG</image:loc>
      <image:title>blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>Last reading as of 6/13/22 AM. Data per MarketWatch.com, daily closing prices except last reading. Data from source deemed reliable, but may contain errors and subject to revision. Financial markets change constantly and all numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/c24cac08-e34b-40bf-b1aa-77350da2ff02/Slide19.JPG</image:loc>
      <image:title>blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/e0a6f89b-82cc-462e-99a6-4880acd380e5/SF-YOY-Appreciation.JPG</image:loc>
      <image:title>blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>*3-month rolling sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/d4a85f0d-1ce0-435e-9d32-de34e7c7db17/Slide13.JPG</image:loc>
      <image:title>blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>Activity reported to NorCal Regional MLS, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate. Last month numbers estimated based on available data.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/89b5244e-79ca-4983-8b6a-22abeb6d47e1/Slide4.JPG</image:loc>
      <image:title>blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>Last reading as of 6/13/22 AM. An approximate illustration only. January opening value data points except as noted in horizontal axis. Data from sources deemed reliable but may contain errors and subject to revision. Financial markets can be prone to significant volatility even on a short-term basis.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/8acd3308-fa90-4a90-ac1d-d37dc43003ea/SF-Home-Appreciation.JPG</image:loc>
      <image:title>blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>Per CA. Association of Realtors or NorCal MLS Alliance. Median sales price is that price at which half the sales occurred for more and half for less. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
  </url>
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      <image:title>blog - SOLD! Hayes Valley modern condo</image:title>
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      <image:title>blog - SOLD! Hayes Valley modern condo</image:title>
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      <image:title>blog - SOLD! Hayes Valley modern condo</image:title>
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      <image:title>blog - SOLD! Hayes Valley modern condo</image:title>
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      <image:title>blog - SOLD! Hayes Valley modern condo</image:title>
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    <lastmod>2022-06-14</lastmod>
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      <image:title>blog - Just Listed: 233 Franklin #305</image:title>
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      <image:title>blog - Just Listed: 233 Franklin #305</image:title>
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      <image:title>blog - Just Listed: 233 Franklin #305</image:title>
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      <image:title>blog - Just Listed: 233 Franklin #305</image:title>
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      <image:title>blog - Just Listed: 233 Franklin #305</image:title>
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      <image:title>blog - Just Listed: 233 Franklin #305</image:title>
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      <image:title>blog - Just Listed: 233 Franklin #305</image:title>
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      <image:title>blog - Just Listed: 233 Franklin #305</image:title>
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      <image:title>blog - Just Listed: 233 Franklin #305</image:title>
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      <image:title>blog - Just Listed: 233 Franklin #305</image:title>
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      <image:title>blog - Just Listed: 233 Franklin #305</image:title>
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      <image:title>blog - Just Listed: 233 Franklin #305</image:title>
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      <image:title>blog - Just Listed: 233 Franklin #305</image:title>
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      <image:title>blog - Just Listed: 233 Franklin #305</image:title>
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      <image:title>blog - Just Listed: 233 Franklin #305</image:title>
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      <image:title>blog - Just Listed: 233 Franklin #305</image:title>
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      <image:title>blog - Just Listed: 233 Franklin #305</image:title>
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      <image:title>blog - Just Listed: 233 Franklin #305</image:title>
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      <image:title>blog - Just Listed: 233 Franklin #305</image:title>
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      <image:title>blog - Just Listed: 233 Franklin #305</image:title>
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      <image:title>blog - Just Listed: 233 Franklin #305</image:title>
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      <image:title>blog - Just Listed: 233 Franklin #305</image:title>
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      <image:title>blog - Just Listed: 233 Franklin #305</image:title>
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      <image:title>blog - Just Listed: 233 Franklin #305</image:title>
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      <image:title>blog - Just Listed: 233 Franklin #305</image:title>
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      <image:title>blog - Just Listed: 233 Franklin #305</image:title>
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      <image:title>blog - Just Listed: 233 Franklin #305</image:title>
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      <image:title>blog - Just Listed: 233 Franklin #305</image:title>
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      <image:title>blog - Just Listed: 233 Franklin #305</image:title>
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      <image:title>blog - Just Listed: 233 Franklin #305</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1652989184577-2I0KDIC3KA4L06V8UHLR/233_Franklin_Courtyard_005.jpeg</image:loc>
      <image:title>blog - Just Listed: 233 Franklin #305</image:title>
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      <image:title>blog - Just Listed: 233 Franklin #305</image:title>
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      <image:title>blog - Just Listed: 233 Franklin #305 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.dpaulsf.com/blog/what-is-transparent-pricing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-12</lastmod>
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      <image:title>blog - What Is Transparent Pricing? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.dpaulsf.com/blog/may-2022-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/db5cff1e-6a70-441c-94e7-fb98aa14dd3b/Listings-Accepting-Offers.JPG</image:loc>
      <image:title>blog - May 2022 Market Report - Make it stand out</image:title>
      <image:caption>Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month numbers estimated based on available data, and may change with late reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/a3e12620-72a2-47ae-817e-e1eaca7c07fe/SF-Home-Price-Appreciation.JPG</image:loc>
      <image:title>blog - May 2022 Market Report - Make it stand out</image:title>
      <image:caption>6-month rolling average of the monthly median sales prices for “existing” houses since 1990, per CA Association of Realtors® or NorCal Regional MLS data. Analysis may contain errors and subject to revision. All numbers are approximate. Last month figure estimated from data available early in following month.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/2167f077-f2fa-40a3-bdde-bfc7d2ba0f17/Home-Sales-Value-by-Month.JPG</image:loc>
      <image:title>blog - May 2022 Market Report - Make it stand out</image:title>
      <image:caption>Activity reported to NorCal Regional MLS, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate. Last month numbers estimated based on available data. House, condo, TIC, co-op sales reported to NorCal Regional MLS, per Infosparks.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/960772e5-b952-4c42-bb71-0ceb42ac1913/SF-Luxury-Condo-Sales.JPG</image:loc>
      <image:title>blog - May 2022 Market Report - Make it stand out</image:title>
      <image:caption>Does not include sales unreported to MLS: Not all sales are reported. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/18a9f7ea-fecc-45b3-839a-feac821432bb/Average-Annual-Interest-Rates.JPG</image:loc>
      <image:title>blog - May 2022 Market Report - Make it stand out</image:title>
      <image:caption>Interest rates may fluctuate suddenly and dramatically. Data from sources deemed reliable but not guaranteed. Anyone interested in residential home loans should consult with a qualified mortgage professional and accountant.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/e87e0980-dfda-4388-a441-07d953235bc6/San+Francisco+Market+Supply+vs.+Demand.JPG</image:loc>
      <image:title>blog - May 2022 Market Report - Make it stand out</image:title>
      <image:caption>NorCal MLS Alliance data per Infosparks. Last reading may change with late reported activity. Does not include new-project condo activity unreported to MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. Late reported data may change latest months’ numbers.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1652111937291-9X6Q81U05JO3N0OLTLCJ/unsplash-image-tX6BrZCFYOQ.jpg</image:loc>
      <image:title>blog - May 2022 Market Report - Make it stand out</image:title>
      <image:caption>722 Steiner, the original of the Painted Ladies, on the far left, sold on April 1 for $6,000,000.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/6a5ec5b6-52a5-4f2c-9f26-7c6e3ad6a120/Mortgage-Interest-Rate-Trends.JPG</image:loc>
      <image:title>blog - May 2022 Market Report - Make it stand out</image:title>
      <image:caption>Interest rates may fluctuate suddenly and dramatically, and it is very difficult to predict rate changes. Data from sources deemed reliable but not guaranteed. Anyone interested in residential home loans should consult with a qualified mortgage professional and their accountant. Rates published by the FHLMC (Freddie Mac).</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/8d091fca-2bc2-4db9-86a6-901613b0c068/Bay-Area-Housing-Costs.JPG</image:loc>
      <image:title>blog - May 2022 Market Report - Make it stand out</image:title>
      <image:caption>Median sales prices for “existing single family dwellings” in March of each year for 9-county Bay Area, per CA Association of Realtors. Approx. 30-year fixed interest rates per FHLMC, at end of April of each year. Approx. monthly principal and interest payments per Bankrate.com. 20% downpayments would increase proportionally to sales prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/b4f35463-3343-4a42-9cd7-6e9ab43372d7/San+Francisco+Higher-Price+House+Sales+Volume.JPG</image:loc>
      <image:title>blog - May 2022 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to Norcal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/9e04e83a-0a7f-4dd8-ac07-97819db0c064/SF-Homes-Market.JPG</image:loc>
      <image:title>blog - May 2022 Market Report - Make it stand out</image:title>
      <image:caption>Active/Coming-Soon listings posted to NorCal MLS Alliance vs. 12 months sales of MLS home listings through 2/28/22. Data from sources deemed reliable, but may contain errors and subject to revision. Not all listings are posted to MLS. All numbers approximate. The number of active listings constantly changes.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/ec20a7a7-e4a5-45a2-9f11-efe40b8234e7/Consumer-Price-Index-Inflation.JPG</image:loc>
      <image:title>blog - May 2022 Market Report - Make it stand out</image:title>
      <image:caption>Chart from Federal Reserve Bank, published early April 2022, All Urban Consumers, Seasonally adjusted: https://fred.stlouisfed.org/series/CPIAUCSL#0 .Data from sources deemed reliable, but may contain errors and subject to revision. U.S. Bureau of Labor Statistics, Consumer Price Index for All Urban Consumers: All Items in U.S. City Average [CPIAUCSL], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/CPIAUCSL, April 13, 2022.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/36814b32-53ad-4006-8ffe-9633e859a90a/Average+Days+on+Market.JPG</image:loc>
      <image:title>blog - May 2022 Market Report - Make it stand out</image:title>
      <image:caption>As reported to NorCal MLS Alliance. Data from sources deemed reliable, but they may contain errors and subject to revision. All numbers approximate. Sales in one month, to a large degree, reflect accepted offer activity in the previous month. Sales reported to NorCal MLS Alliance, per Infosparks.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/113d0208-7c4b-466d-bd55-eb9250da15ba/Sales-Price-to-List-Price-Percentage.JPG</image:loc>
      <image:title>blog - May 2022 Market Report - Make it stand out</image:title>
      <image:caption>Residential market activity reported to NORCAL MLS® ALLIANCE, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/e8c954d0-01bd-406b-bd39-731ffce8a08a/SF-condo-median-sales-price-trends.JPG</image:loc>
      <image:title>blog - May 2022 Market Report - Make it stand out</image:title>
      <image:caption>Median sales price is that price at which half the sales occurred for more and half for less. It is a very general statistic often affected by factors other than changes in fair market value. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. Sales reported to NorCal MLS Alliance, per Infosparks through April 2022. Each median sales price on this chart reflects 6 months of sales. Median sales prices are subject to seasonal fluctuation, among other factors.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.dpaulsf.com/blog/the-market-is-shifting-heres-why-thats-a-good-thing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/2b8b8b1b-40e7-4051-b098-b848dc06388b/chart.png</image:loc>
      <image:title>blog - The Market Is Shifting. Here's Why That's a Good Thing. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1652051969509-NFGVTMM08JQQGQZ2CIF9/unsplash-image-LEi6wr_HzyA.jpg</image:loc>
      <image:title>blog - The Market Is Shifting. Here's Why That's a Good Thing. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.dpaulsf.com/blog/1234-palou-ave</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-22</lastmod>
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      <image:title>blog - SOLD! 1234 Palou Ave</image:title>
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      <image:title>blog - SOLD! 1234 Palou Ave</image:title>
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      <image:title>blog - SOLD! 1234 Palou Ave</image:title>
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      <image:title>blog - SOLD! 1234 Palou Ave</image:title>
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      <image:title>blog - SOLD! 1234 Palou Ave</image:title>
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      <image:title>blog - SOLD! 1234 Palou Ave</image:title>
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      <image:title>blog - SOLD! 1234 Palou Ave</image:title>
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      <image:title>blog - SOLD! 1234 Palou Ave</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/cc3bfbae-e109-4785-9243-4fadf525ca17/1234-palou-avenue.54211.fp3k.2d.no-calc.mstr.01.jpg</image:loc>
      <image:title>blog - SOLD! 1234 Palou Ave - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://www.dpaulsf.com/blog/interest-rates-are-rising-what-does-that-mean-for-you</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/c382a817-a874-4c93-8bb0-586a473708aa/Mortgage-Interest-Rates.JPG</image:loc>
      <image:title>blog - Interest Rates Are Rising. What Does That Mean for You? - Make it stand out</image:title>
      <image:caption>Mortgage Interest Rate Trends, 2016-present</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/7ad63c88-b5f9-47f5-82b2-5f8070a02806/Mortgage-Interest-rate.jpg</image:loc>
      <image:title>blog - Interest Rates Are Rising. What Does That Mean for You? - Make it stand out</image:title>
      <image:caption>Photo by Marco Verch Professional Photographer on Flickr via Creative Commons license</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.dpaulsf.com/blog/april-2022-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/8ab548e6-bfc4-4916-bc29-be5dadc0d139/jellies.jpg</image:loc>
      <image:title>blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>Jellies at the Aquarium of the Pacific by Cory Doctorow on Flickr via Creative Commons license.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/7e1cd4da-c7ee-404f-a5c4-2cb90c8825f1/SF-Housing-Affordability.JPG</image:loc>
      <image:title>blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>*Median sales prices for houses of 3 bedrooms, 1400 to 1750 square feet, as reported to NorCal MLS Alliance. Approx. interest rates per FHLMC, at end of Q1 of each year. Approx. monthly payments per Bankrate.com include estimated property taxes and minimal insurance costs. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. Interest rates often change quickly, dramatically. Consult your accountant and loan agent.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/b3fdf63e-622b-4ecd-a950-9867decf482c/Average-Days-on-Market.JPG</image:loc>
      <image:title>blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>Activity reported to NORCAL MLS® ALLIANCE, per Infosparks. “Condos” include co-op and TIC sales. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/f0e1578e-e7af-4557-9e34-064256b025dd/SF-Condo-Sales-Statistics.JPG</image:loc>
      <image:title>blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>*Sales of 2BR/2BA units reported to NORCAL MLS® ALLIANCE, 9/15/21 – 3/15/22. Sales price to LP % for sales accepting offers within 30 days. Data from sources deemed reliable but may contain errors and subject to revision. Numbers are approximate and can change on a daily basis. Days on market adjusted for outliers.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/2b304380-c900-4976-8bdd-77eacb14b4eb/Slide8.JPG</image:loc>
      <image:title>blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>* Active/Coming-Soon listings posted to NorCal MLS Alliance vs. 12 months sales of MLS home listings through 2/28/22. Data from sources deemed reliable, but may contain errors and subject to revision. Not all listings are posted to MLS. All numbers approximate. The number of active listings constantly changes.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/ba7e1e55-7ac9-47bc-817a-5be7049185ea/Avg-Sales-Price-to-List-Price.JPG</image:loc>
      <image:title>blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>Residential market activity reported to NORCAL MLS® ALLIANCE, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/fa1abf9e-79be-44dd-9df0-7b88dc120e70/Mortgage-interest-rates.JPG</image:loc>
      <image:title>blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>Interest rates may fluctuate suddenly and dramatically, and it is very difficult to predict rate changes. Data from sources deemed reliable but not guaranteed. Anyone interested in residential home loans should consult with a qualified mortgage professional and their accountant.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/e128e967-bce6-4a5e-8e29-6adb85c20d4d/Slide16.JPG</image:loc>
      <image:title>blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/c06179ac-70e2-4c1e-87e2-26bac914e7dc/Active-Listings-on-Market.JPG</image:loc>
      <image:title>blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming soon” listings. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/d699ca0a-5797-4066-8826-3c80fc42e24a/Listings-Pending-Sale.JPG</image:loc>
      <image:title>blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/4cca6415-d0cb-4e3d-a03c-ab55302a3f09/Slide14.JPG</image:loc>
      <image:title>blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Condos include co-op, townhouse, TIC sales. Not all sales are reported to MLS. Data from sources deemed reliable, but subject to error and revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/607e0612-dd5d-4bca-8bdf-ae7c22a0102d/Consumer-Price-Index.JPG</image:loc>
      <image:title>blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>Chart from U.S. Bureau of Labor Statistics, published early March 2022: https://www.bls.gov/charts/consumer-price-index/consumer-price-index-by-category-line-chart.htm. Data from sources deemed reliable, but may contain errors and subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/e19941da-e9fb-44ce-8419-16f326939773/Slide23.JPG</image:loc>
      <image:title>blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>University of Michigan: Consumer Sentiment [UMCSENT], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/UMCSENT. Not seasonally adjusted. 1966, Q1 = 100.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/fb2fc2b4-2735-46c5-b498-52c02f51fa77/SF-House-Sales-Statistics.JPG</image:loc>
      <image:title>blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to NORCAL MLS® ALLIANCE, 9/15/21-3/15/22. Sales price to LP % for sales which accepted offers within 30 days. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate and can change on a daily basis. Not all listings provide square footage. Days on market adjusted for outliers.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/32d4496d-edf9-48d8-b7bc-c52106d58a2c/SF-House-Price-Trends.JPG</image:loc>
      <image:title>blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>Median sales price is that price at which half the sales occurred for more and half for less. It is a very general statistic that can be affected by other factors besides changes in fair market value. All numbers are approximate and subject to revision. Last quarter may change with late reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/0360404d-4628-459a-8e32-10753c73cacd/New-Listings-Coming-on-Market.JPG</image:loc>
      <image:title>blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/fa9ebbf5-5576-4aed-8845-b97fea26506f/Price-Reductions.JPG</image:loc>
      <image:title>blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/7416d3e3-acaa-46c2-a9b2-79a506d29c44/SF-Condo-Price-Appreciation.JPG</image:loc>
      <image:title>blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>Median sales price is that price at which half the sales occurred for more and half for less. It is a very general statistic that can be affected by other factors besides changes in fair market value. All numbers are approximate and subject to revision. Last quarter may change with late reported activity. Does not include new-project condo sales unreported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/0a2c8b34-a14d-422c-81c7-8e1760128b31/Unemployment-Rates.JPG</image:loc>
      <image:title>blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>Data from sources deemed reliable, but may contain errors and subject to revision. All percentages to be considered approximate estimates.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/9df7d726-abdc-47b5-9733-f832f0ab77bc/Unit-Home-Sales.JPG</image:loc>
      <image:title>blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>Activity reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate. Last month numbers estimated based on available data.</image:caption>
    </image:image>
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  <url>
    <loc>https://www.dpaulsf.com/blog/farmers-markets</loc>
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      <image:title>blog - Farmers Markets of San Francisco</image:title>
    </image:image>
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  <url>
    <loc>https://www.dpaulsf.com/blog/sugar-snap-pea-salad</loc>
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      <image:title>blog - Sugar Snap Pea Salad - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.dpaulsf.com/blog/sold-congrats-to-b-amp-j</loc>
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    <lastmod>2022-03-17</lastmod>
    <image:image>
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      <image:title>blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>blog - SOLD! Congrats to J &amp;amp; B</image:title>
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    <image:image>
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      <image:title>blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>blog - SOLD! Congrats to J &amp;amp; B</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1647285539015-OPKMZSM0VMHTWQIKTGQQ/233Franklin+Ext1.jpg</image:loc>
      <image:title>blog - SOLD! Congrats to J &amp;amp; B</image:title>
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  <url>
    <loc>https://www.dpaulsf.com/blog/march-2022-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-03-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/a704cfde-213e-4a7e-8158-3c44f6747016/Aveage-days-on-market.JPG</image:loc>
      <image:title>blog - March 2022 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. As reported to NorCal MLS Alliance. These analyses were performed in good faith with data derived from sources deemed reliable, but they may contain errors and are subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/85e280ca-c980-434d-858b-c11867e306ed/Listings-pending-sale.JPG</image:loc>
      <image:title>blog - March 2022 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/52f28fac-9504-49a8-9f11-33a4505134e6/Mortgage-interest-rates.JPG</image:loc>
      <image:title>blog - March 2022 Market Report - Make it stand out</image:title>
      <image:caption>Interest rates may fluctuate suddenly and dramatically, and it is very difficult to predict rate changes. Data from sources deemed reliable but not guaranteed. Anyone interested in residential home loans should consult with a qualified mortgage professional and their accountant.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/a45f779c-ea18-4e66-9c9e-303d4e18da26/51846238056_10e4210e33_o.jpg</image:loc>
      <image:title>blog - March 2022 Market Report - Make it stand out</image:title>
      <image:caption>Photo by GPA Photo Archive on Flickr via Creative Commons license</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/69f6100a-d947-41e5-b25a-5352923f681e/Median-house-prices.JPG</image:loc>
      <image:title>blog - March 2022 Market Report - Make it stand out</image:title>
      <image:caption>Each column reflects 3 months sales data. Sales reported to NorCal MLS Alliance. Median sales prices can fluctuate due to factors besides changes in fair market value. Analysis may contain errors and subject to revision. All numbers are approximate, and may change due to late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/13768c86-dec7-423c-a535-e98ef411141e/Overbidding-List-Prices-San-Francisco.JPG</image:loc>
      <image:title>blog - March 2022 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/41730335-f07c-4dd0-aebb-80803bf4267e/Median-condo-sales-price.JPG</image:loc>
      <image:title>blog - March 2022 Market Report - Make it stand out</image:title>
      <image:caption>Each column reflects 3 months sales data. Sales reported to NorCal MLS Alliance. Median sales prices can fluctuate due to factors besides changes in fair market value. Analysis may contain errors and subject to revision. All numbers are approximate, and may change due to late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/00fe10f3-8014-4446-a9a6-8f702c8d93cd/Sales-by-construction-era.JPG</image:loc>
      <image:title>blog - March 2022 Market Report - Make it stand out</image:title>
      <image:caption>Generally based on sales data per NorCal MLS Alliance in the 12 months through 2/15/22, but 2000-2021 condo figures include estimate of new-project condo sales unreported to MLS. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/4f2ad238-a50e-4baf-b9a8-9b4676e235c3/Slide19.JPG</image:loc>
      <image:title>blog - March 2022 Market Report - Make it stand out</image:title>
      <image:caption>*Approximate, good-faith illustration based on S&amp;P CoreLogic Case-Shiller House Price Index for 5-county SF Metro Area. (Not based on median sales price changes.) Though we believe the broad cycles depicted generally apply across the Bay Area, substantial variations occurred, and % changes cannot be relied upon to apply to any specific home, submarket or market segment.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/af749346-5965-48a2-9766-29c7c69e3633/SF-short-term-sales-by-month.JPG</image:loc>
      <image:title>blog - March 2022 Market Report - Make it stand out</image:title>
      <image:caption>House, condo, co-op, townhouse, TIC sales reported to NorCal MLS Alliance, per Infosparks. Sales reported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated from available data, and may change with late-reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/aa8fbf0f-f004-4568-ac5a-0ce955bb2797/New-listings-coming-on-market.JPG</image:loc>
      <image:title>blog - March 2022 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/6fa16727-5804-4e96-b3f2-d948eed39579/Home-sales-volume-by-month.JPG</image:loc>
      <image:title>blog - March 2022 Market Report - Make it stand out</image:title>
      <image:caption>House, condo, TIC, co-op sales reported to NorCal MLS Alliance, per Infosparks. Activity reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate. Last month numbers estimated based on available data.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/05a975f3-d83e-4888-be7f-b3a75e5d91b4/Supply-Inventory-by-Price.JPG</image:loc>
      <image:title>blog - March 2022 Market Report - Make it stand out</image:title>
      <image:caption>*House, condo, co-op, TIC, townhouse activity reported to NorCal MLS Alliance. “Active” listings include “Coming Soon.” 12 months sales of listings marketed in MLS through mid-February 2022. Not all listings/sales are posted to MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The number of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/d2d1156b-86d8-4307-a318-a9542de1e02c/Sales-price-to-list-price-percentage.JPG</image:loc>
      <image:title>blog - March 2022 Market Report - Make it stand out</image:title>
      <image:caption>Residential market activity reported to NORCAL MLS® ALLIANCE, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/36d42963-d4ef-41bb-b82c-de5ddd38247d/Greater-Bay-Area-Median-House-Sales.JPG</image:loc>
      <image:title>blog - March 2022 Market Report - Make it stand out</image:title>
      <image:caption>*County house sales reported to NorCal MLS Alliance. San Mateo prices estimated per adjustment to CA Association of Realtors calculations. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late reported sales. Percentages rounded.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/4b1cafeb-4f74-4d5a-9417-9dc654400f78/San-Francisco-home-value-appreciation.JPG</image:loc>
      <image:title>blog - March 2022 Market Report - Make it stand out</image:title>
      <image:caption>Dollar per Square Foot is based upon interior living space and doesn’t include garages, attics, basements, rooms built without permit, decks or patios. Not all sales report square footage. All numbers are approximate and subject to revision. Each data point on chart reflects 3 months of sales. Seasonal fluctuations are commmon.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.dpaulsf.com/blog/clean-offer</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-03-20</lastmod>
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      <image:title>blog - What Is a Clean Offer? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.dpaulsf.com/blog/bayview</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-03-15</lastmod>
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      <image:title>blog - Get to Know: The Bayview - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.dpaulsf.com/blog/sold-congrats-to-k-amp-h</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-02-28</lastmod>
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      <image:title>blog - SOLD! Congrats to K &amp;amp; H</image:title>
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      <image:title>blog - SOLD! Congrats to K &amp;amp; H</image:title>
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      <image:title>blog - SOLD! Congrats to K &amp;amp; H</image:title>
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      <image:title>blog - SOLD! Congrats to K &amp;amp; H</image:title>
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      <image:title>blog - SOLD! Congrats to K &amp;amp; H</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1646073270735-BZP7VLP3K0FTOSOT5UX8/1500x1000%281%29.jpg</image:loc>
      <image:title>blog - SOLD! Congrats to K &amp;amp; H</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1646073193357-6RHK7KSZO2DAD09UWN2A/1688PIne+Ext.jpg</image:loc>
      <image:title>blog - SOLD! Congrats to K &amp;amp; H</image:title>
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    <loc>https://www.dpaulsf.com/blog/get-to-know-bernal-heights</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-02-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1574277827481-XOMLP6V34EMWJG7RP27J/Bernalclouds4.jpg</image:loc>
      <image:title>blog - Get to Know: Bernal Heights</image:title>
    </image:image>
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  <url>
    <loc>https://www.dpaulsf.com/blog/february-2022-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-02-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/4f2074aa-f074-4637-b27d-2a87356f600c/Slide6.JPG</image:loc>
      <image:title>blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>* Active/Coming Soon listings posted to NorCal MLS Alliance, and 12 months sales of MLS listings through 1/20/22. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. # of active listings changes on daily basis.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/e6e1a0a1-7436-4210-8be1-b2dbb1dcb821/Slide14.JPG</image:loc>
      <image:title>blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate. Last month numbers estimated based on available data.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/5b006a7c-8d4a-4e93-9725-055167f4b4fd/Slide9.JPG</image:loc>
      <image:title>blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/e19507e1-57cc-4fd6-be53-c1712e14f507/Slide21.JPG</image:loc>
      <image:title>blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>Residential market activity reported to NORCAL MLS® ALLIANCE, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/e91a4e44-617b-4816-b66f-c02e968596bf/Slide5.JPG</image:loc>
      <image:title>blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>* Sales reported to NorCal MLS Alliance. Data from sources deemed reliable, but may contain errors and subject to revision. Not all sales are reported to MLS: Will not include new-project condo sales unreported to MLS. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/e2da1e0b-19bd-4380-9e36-460390df3893/Slide10.JPG</image:loc>
      <image:title>blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/e528fa6d-a0f2-4f3f-bb60-b9b7ac46bb43/Slide11.JPG</image:loc>
      <image:title>blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/ea18737a-063d-4372-8204-f1f56da17ff0/Slide3.JPG</image:loc>
      <image:title>blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>Median sales price is that price at which half the sales occurred for more and half for less. It is a very general statistic often affected by factors other than changes in fair market value. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. Markets vary by city district.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/2c75f2ba-6d54-4a77-b4a7-83973c8626e4/Slide16.JPG</image:loc>
      <image:title>blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>* 12 months sales reported to NorCal MLS Alliance through 1/20/22. Not all luxury home sales are reported to MLS. Neighborhood groupings correspond to SF Realtor districts, which often include adjacent neighborhoods not listed. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/81acc654-ece5-4000-94b9-077ff0558d46/Slide4.JPG</image:loc>
      <image:title>blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>January 2022 update: 6 months sales reported to NorCal MLS Alliance through 1/21/22. Does not include new-project condo sales unreported to MLS. Based upon data sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/e4f69e0b-b402-419b-a7bd-f525123950c0/Unsold-inventory.jpg</image:loc>
      <image:title>blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>* 6-month rolling average of California Association of Realtors monthly data for existing single family dwellings, for 9 Bay Area Counties. Not seasonally adjusted; does not include condo Inventory (which would raise the reading). Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/86e1db44-2c43-4cac-b0b1-f4bc890d4bd3/Slide13.JPG</image:loc>
      <image:title>blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>* Each data point reflects the TOTAL of 12 months of activity for houses, condos, co-ops and townhouses. 1/12 of these numbers = an average month within the 12 month period. New listings reported to MLS, per NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. Numbers are approximate and are meant to illustrate broad trends.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/c8bf2bca-d823-4051-a53e-197d513065b1/Slide7.JPG</image:loc>
      <image:title>blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>Interest rates may fluctuate suddenly and dramatically, and it is very difficult to predict rate changes. Data from sources deemed reliable but not guaranteed. Anyone interested in residential home loans should consult with a qualified mortgage professional and their accountant.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/d00f8b12-1e21-4139-9ace-ce1f1d31a6d7/Slide17.JPG</image:loc>
      <image:title>blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>* 12 months sales reported to NorCal MLS Alliance through 1/20/22. Not all sales are reported to MLS. Neighborhood groupings correspond to SF Realtor districts, which often include adjacent neighborhoods. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/c9e6e0cd-5f1e-4654-83d4-1ad74ae346f1/Slide12.JPG</image:loc>
      <image:title>blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>Median Sales Price is that price at which half the sales occurred for more and half for less. Multiple neighborhood values through 2020 are averages of median sales prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/b773e2ac-0459-4b42-b2c9-390baf28ee11/Slide20.JPG</image:loc>
      <image:title>blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>As reported to NorCal MLS Alliance: 3 month rolling sales data. These analyses were performed in good faith with data derived from sources deemed reliable, but they may contain errors and are subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/128df59c-7f78-4f56-889f-55dae39dd743/Slide15.JPG</image:loc>
      <image:title>blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>Activity reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate. Last month numbers estimated based on available data.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/b1230b08-a826-497a-a36c-589f5add667b/Slide19.JPG</image:loc>
      <image:title>blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated from available data, and may change with late-reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/d52bce53-856e-4dd1-9ff4-431946dd384e/IMG_1110.jpg</image:loc>
      <image:title>blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/9775b497-75ad-4a91-bafd-34b9df834226/Slide18.JPG</image:loc>
      <image:title>blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>* Sales reported to NorCal MLS Alliance, per Infosparks. “Condo/Co-op Sales” include TICs and townhouses, but not new-project sales unreported to MLS. Numbers may change with late reported sales. Data from sources deemed reliable, but may contain errors and subject to revision. Not all sales are reported to MLS. All numbers approximate.</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/ba0967c1-c7d0-46a3-97d3-db37c6df1275/Slide8.JPG</image:loc>
      <image:title>blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.dpaulsf.com/blog/down-payment-assistance-program-for-select-professions</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-02-15</lastmod>
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      <image:title>blog - Down Payment Assistance Program for Select Professions - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.dpaulsf.com/blog/thin-mint-julep-recipe</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-01-29</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/f7801318-883b-4da4-b5a9-38bd2508758d/Thin-Mint-Julep.jpg</image:loc>
      <image:title>blog - Thin Mint Julep Recipe - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://www.dpaulsf.com/blog/sold-congrats-to-z-amp-s</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-01-13</lastmod>
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      <image:title>blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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  </url>
  <url>
    <loc>https://www.dpaulsf.com/blog/get-to-know-mission-dolores</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-01-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/48733e15-4006-49d3-a31a-86e4830838d7/MissionDolores.jpg</image:loc>
      <image:title>blog - Get to Know: Mission Dolores - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://www.dpaulsf.com/blog/january-2022-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-01-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/64d957dd-33b6-4ffc-ae4e-cad8f81fa7dd/Consumer-Price-Index-since-2001_BLM.jpg</image:loc>
      <image:title>blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/4ead1f12-a5c2-4818-b9e2-c91bf22f0d96/Slide16.JPG</image:loc>
      <image:title>blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>Does not include new-project condos unlisted in MLS. Each data point reflects 3 months of combined data. Data from sources deemed reliable, but may contain errors and subject to revision. Numbers are approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/f3d617b2-2c62-45b4-843c-46f9b807de14/Slide3.JPG</image:loc>
      <image:title>blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>Per CA Association of Realtors or sales data as reported to NORCAL MLS® ALLIANCE. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/ab171ba2-1d8a-4a9d-b146-be22bb4f7740/Slide4.JPG</image:loc>
      <image:title>blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/7b9abdb7-bf5f-4116-8ce7-a713cd2f9be2/Slide3.JPG</image:loc>
      <image:title>blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>Changes measured from July 1 of the previous year to July 1 of the labeled year, as published December 2021 by the CA Department of Finance. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/05b33c08-6900-4a01-956d-f44d8a82dd35/Slide4.JPG</image:loc>
      <image:title>blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>As reported to NORCAL MLS® ALLIANCE, per Broker Metrics/Infosparks</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/c23ef93b-5112-4510-939b-483afad79a25/S%26P+500+Long-Term.jpg</image:loc>
      <image:title>blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/a21aef0a-1252-43e8-8dc8-f6bda35323ce/Slide15.JPG</image:loc>
      <image:title>blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>Residential market activity reported to NORCAL MLS® ALLIANCE, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/0b0ac2f0-81c7-46e4-b987-b5961ed63820/Slide2.JPG</image:loc>
      <image:title>blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/d75c0225-3606-4d70-abdd-53ab57c1486a/Slide10.JPG</image:loc>
      <image:title>blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>* 12 months MLS sales of houses, townhouses, condos, co-ops and TICs through late December 2021, per Broker Metrics. Data derived from sources deemed reliable, but may contain errors and subject to revision.All numbers approximate. Not all sales are reported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/c1c21c33-c79c-4c8a-b433-75b5a1f766a6/Slide1.JPG</image:loc>
      <image:title>blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>Changes measured from July 1 of the previous year to July 1 of the labeled year, as published December 2021 by the CA Department of Finance. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/78979bfe-a0fc-4fca-bf77-98088e721edf/Slide6.JPG</image:loc>
      <image:title>blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>* Each data point reflects the total of 12 months of activity for houses, condos, co-ops, TICs and townhouses. 1/12 of these numbers = an average month within the 12 month period. Sales reported to NORCAL MLS® ALLIANCE, per Infosparks. Does not include new-project condo sales unreported to MLS. Last month estimated from data available in early January 2022. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/ad42b3ff-587f-46bb-94a2-790b94fdef80/Slide14.JPG</image:loc>
      <image:title>blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Condos include co-op and TIC sales. Not all luxury sales are reported to MLS. Data from sources deemed reliable, but subject to error and revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/9acc9505-5963-428b-8fd6-78ae3af9dcbe/Long-term_Interest-30-Year_Rates.jpg</image:loc>
      <image:title>blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/2b58080e-38b4-4e95-84bd-6bafc0a3fad3/Slide17.JPG</image:loc>
      <image:title>blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>Activity reported to NORCAL MLS® ALLIANCE, per Infosparks. “Condos” include co-op and TIC sales. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late- reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/5c35463a-7b61-4f8f-8619-d0a7d8db4b5a/Slide18.JPG</image:loc>
      <image:title>blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>1st quarter data points except, as noted for Q4 2020 and Q4 2021. Numbers are estimated using data from a number of rental data sources. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are good-faith estimates and very approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/7683fbcf-c8ee-4750-8497-21ba5b047b5b/market-report.jpg</image:loc>
      <image:title>blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>Photo by David Abercrombie on Flickr, via Creative Commons</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/df22143a-e090-473c-ae58-6ff6bc19fe20/Slide20.JPG</image:loc>
      <image:title>blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>EDD data. Last month’s data is labeled “preliminary” by EDD. EDD often goes back to revise past data releases. Data from sources deemed reliable but may contain errors and subject to revision. All numbers should be considered approximate. Data from sources deemed reliable, but may contain errors, and not guaranteed. Provided for informational purposes only. All numbers should be considered approximate, and subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/15fa8cf1-6e06-455d-9d78-6d193c7fc9b1/US+Household+Wealth+by+Percentile+Group.jpg</image:loc>
      <image:title>blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/6a1b01f0-021a-4f95-a222-493d7c9be62b/Slide5.JPG</image:loc>
      <image:title>blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>As reported to NORCAL MLS® ALLIANCE, per Infosparks</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.dpaulsf.com/blog/december-2021-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-12-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/04af670a-8d67-4460-aaf7-12e056a84b81/Slide13.JPG</image:loc>
      <image:title>blog - December 2021 Market Report - Make it stand out</image:title>
      <image:caption>*Reflecting condo, co-op, townhouse and TIC sales reported to NORCAL MLS® ALLIANCE, per Infosparks: Some new-project condo sales are not reported to MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/34c13fc3-f6ab-4074-ab4c-bb265d019600/Slide17.JPG</image:loc>
      <image:title>blog - December 2021 Market Report - Make it stand out</image:title>
      <image:caption>Residential sales data reported to SFARMLS, per Broker Metrics This chart reflects all residential properties, but since the pandemic, the percentage of houses going into contract has been significantly higher than the % of condos, though both saw big rebounds in 2021.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/94b16410-f80f-42bf-b715-fe230d0d22e2/Slide5.JPG</image:loc>
      <image:title>blog - December 2021 Market Report - Make it stand out</image:title>
      <image:caption>Median sales price is that price at which half the sales occurred for more and half for less. It is a very general statistic often affected by factors other than changes in fair market value. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/c79926c9-9ba9-41df-b991-57efc832f11d/December2021MarketReport.jpg</image:loc>
      <image:title>blog - December 2021 Market Report - Make it stand out</image:title>
      <image:caption>Image by ~jar{} on Flickr via Creative Commons license.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/7b885d3f-534e-4bce-ad4a-f711ee2d8fb0/Slide7.JPG</image:loc>
      <image:title>blog - December 2021 Market Report - Make it stand out</image:title>
      <image:caption>Median value is that value at which half the sales occurred for more and half for less. It is a very general statistic often affected by factors other than changes in fair market value. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/6281875f-edf9-4856-a625-22504f70b4e3/Slide20.JPG</image:loc>
      <image:title>blog - December 2021 Market Report - Make it stand out</image:title>
      <image:caption>Any general compilation of sales will include properties of radically varying location, quality, condition, square footage, lot size and amenities (views, pools, vineyards, and so on). Larger homes are more likely to be located in more expensive areas.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/d36f6873-a2c4-46bc-ba90-d0d317b11bd1/Slide16.JPG</image:loc>
      <image:title>blog - December 2021 Market Report - Make it stand out</image:title>
      <image:caption>Houses, condos, co-ops and TICs as listed in NORCAL MLS® ALLIANCE, per Infosparks. Does not include many new-project condo listings and sales not reported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate. Last month estimated based on available data: Late reported activity may change this number.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/51affc9b-00b6-418f-8942-5e35a7bfc10c/Slide19.JPG</image:loc>
      <image:title>blog - December 2021 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/575ae302-925b-4e88-95f0-1c18823283ff/Slide18.JPG</image:loc>
      <image:title>blog - December 2021 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling sales data reported to NORCAL M LS° ALLIANCE, per Infosparks Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1c7b25c6-eb11-4982-8a7b-7ed36451a2f9/Slide4.JPG</image:loc>
      <image:title>blog - December 2021 Market Report - Make it stand out</image:title>
      <image:caption>* Comparing house, condo, co-op, TIC, townhouse unit sales reported to NORCAL MLS® ALLIANCE in the first 10 months of 2021 with the same period of 2019, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. Not all sales are reported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/362f31b7-0915-40c7-aa59-cfb1a06c78a1/Slide9.JPG</image:loc>
      <image:title>blog - December 2021 Market Report - Make it stand out</image:title>
      <image:caption>Any general compilation of sales will include properties of radically varying location, quality, condition, square footage, lot size and amenities (views, pools, vineyards, decks, etc.). Does not include sales unreported to MLS: some luxury home sales are not reported. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and late reported sales may alter them. Figure for Tahoe region reflects 12 months through Oct. 2021, per Broker Metrics.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/a880b2fc-0ac6-4277-afde-5e90cdcd6656/Slide3.JPG</image:loc>
      <image:title>blog - December 2021 Market Report - Make it stand out</image:title>
      <image:caption>* Active/pending-sale listings posted to NORCAL MLS® ALLIANCE as of November 24, 2021. Sales reported to MLS in 2021 through late November 2021. Not all listings/sales are posted/reported to MLS. Off-MLS listings/sakes may exist with higher prices. Data from sources deemed reliable, but may contain errors and subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/73908508-2a4b-45af-94e6-2763d47389e3/Slide12.JPG</image:loc>
      <image:title>blog - December 2021 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to NORCAL MLS® ALLIANCE per Infosparks: Not all sales are reported. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/4ec548a8-3284-4b9d-a552-0c872f04e6fd/Slide14.JPG</image:loc>
      <image:title>blog - December 2021 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/2fc8ca0e-e656-4e84-9e3a-94e5ce347884/Slide6.JPG</image:loc>
      <image:title>blog - December 2021 Market Report - Make it stand out</image:title>
      <image:caption>Median sales price is that price at which half the sales occurred for more and half for less. It is a very general statistic often affected by factors other than changes in fair market value. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/90ab94e3-c4c7-4506-8ce4-dad7da91f4f1/Slide11.JPG</image:loc>
      <image:title>blog - December 2021 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NORCAL MLS® ALLIANCE, per Infosparks Activity reported to NORCAL MLS® ALLIANCE, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate. Last month estimated based on available data.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/4ccac37e-a566-4175-8242-c0aa5ef55003/Slide15.JPG</image:loc>
      <image:title>blog - December 2021 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
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  </url>
  <url>
    <loc>https://www.dpaulsf.com/blog/sold-congrats-to-em</loc>
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    <lastmod>2022-02-28</lastmod>
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      <image:title>blog - SOLD! Congrats to EM</image:title>
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      <image:title>blog - SOLD! Congrats to EM</image:title>
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  </url>
  <url>
    <loc>https://www.dpaulsf.com/blog/november-2021-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-11-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/9c36b65b-289c-418e-8063-eae56ff67d61/Slide8.JPG</image:loc>
      <image:title>blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/ef19192d-479f-4f06-af17-6e6170e957fd/Slide14.JPG</image:loc>
      <image:title>blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1b47ed99-9c34-4974-b68c-df66a4973a90/51615641621_479b5078ae_k.jpg</image:loc>
      <image:title>blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>Photo by Charles Lewis III on Flickr, via Creative Commons</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/d894fb99-aa52-4c27-abcc-b918409fbd87/Slide4.JPG</image:loc>
      <image:title>blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>Because they fluctuate due to a number of factors, changes in median sales prices are very approximate indicators of changes in fair market value. The county includes many diverse market segments varying in affluence, values and appreciation rates. How this chart applies to any particular home is unknown without a specific comparative market analysis.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/225d0d36-041a-441f-bedd-cf7660da7695/Slide7.JPG</image:loc>
      <image:title>blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/8e158921-0e89-4be4-8e92-8d66bbd4ae00/Slide2.JPG</image:loc>
      <image:title>blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>Median sales price is that price at which half the sales occurred for more and half for less. It is a very general statistic often affected by factors other than changes in fair market value. Seasonal fluctuations are common. Longer-term trends are more meaningful than short-term changes.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/6fc40275-443b-4d10-9442-37e4d4ad92c9/Slide13.JPG</image:loc>
      <image:title>blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>New listing activity usually ebbs and flows by season: Climbing in spring, down in summer, spiking back up in September, and dropping way down in December. (In 2020, normal seasonality was upended by the pandemic.)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/dbce57ea-0e50-4dff-b1ef-5b0010cc3795/Slide11.JPG</image:loc>
      <image:title>blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>2021 YTD median sales prices should be considered preliminary until substantiated over the longer term. Median sales prices can be affected by other market factors besides changes in fair market value and sometimes fluctuate without great meaningfulness. Median Sales Price is that price at which half the sales occurred for more and half for less. Multiple neighborhood values through 2020 are averages of median sales prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/ac1af7b9-977e-4110-8c69-bcd0397567f6/Slide5.JPG</image:loc>
      <image:title>blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>The SF condo median sales price has rebounded in 2021, and is almost back up to it peak value (on a 6-month rolling basis). Around the Bay Area, condo markets did not see the high appreciation rates houses did since the pandemic struck. Each median sales price on this chart reflects 6 months of sales. Median sales prices are subject to seasonal fluctuation, among other factors.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/5bf783b4-0881-4ecb-b989-2c2a785468b3/Slide17.JPG</image:loc>
      <image:title>blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>After shelter-in-place was implemented, the supply of homes for sale — as measured by months supply of inventory* — climbed, or in the case of condos, soared. But since December and through 2021 YTD, the supply and demand balance readjusted to reflect a much stronger market. Months Supply of Inventory measures how long it would take to sell the existing inventory of listings for sale at the 12-month-average monthly rate of sale. Lower readings indicate stronger demand as compared to supply. Higher readings indicate higher supply as compared to demand.</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1c5db9f4-6048-4ee4-bf63-5b9ce87f4991/Slide10.JPG</image:loc>
      <image:title>blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/b4b77da8-e44c-4e65-b25a-ce49268f4f03/Slide15.JPG</image:loc>
      <image:title>blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>Listings typically expire or are withdrawn without selling due to being perceived as overpriced, and/or to avoid the slower markets of mid-late summer and, especially of the mid-winter holiday period. Many then relist at the beginning of the new, more active selling season, often at lower prices.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/58870603-cb9b-4fdf-a658-9bb07e50b8ba/Slide6.JPG</image:loc>
      <image:title>blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>A Sampling of August— October, 2021 Sales* Gradations in quality of location, condition &amp; amenities are almost infinite: Sales may not represent current market values. Neighborhood Property Type Year Built Bedrooms &amp; Baths Square Footage $/Sq.Ft. Excerpts from MLS Comments (sometimes edited) Ashbury Heights Condo Circa 1900 2/1.25 1144 $1333 "On charming 1-way street, lovely Victorian flat with period details throughout, 2 car parking" Central Sunset House 1927 2/1.5 1510 $980 "Wonderful home in excellent location in the Sunset, for investors or 1st time homebuyers" Excelsior House 1908 3/3 1800 $827 "Gorgeous, spacious, 2-level, 3-bedroom, 3-bathroom detached Excelsior home" Inner Mission Condo 1907 3/2 1260 $1206 "Urban chic, 3-bedroom, 2-bath classic Edwardian condo in heart of the Mission" Miraloma Park House 1948 2/1 1087 $1394 "2bd/lbath, split-level w/ outstanding panoramic deck views of SF, Bay, East Bay" Outer Parkside House 1947 3/2 1342 $1099 "Sweetest home in Sunset/Parkside; blocks from the ocean, immaculate turn-key beauty" Potrero Hill Condo 1992 2/2 1248 $1210 "Charming 2 bedroom, 2 bath condo on North slope of Potrero: in boutique 3 unit building" South Beach Condo 2014 1/1 830 $1831 "Beautifully appointed 1-bedroom atop Rincon Hill with unparalleled bay and city views" Sunnyside House Circa 1900 4/3 1969 $762 "2 homes on 1 lot: 3-BR, 2-bath w/views; separate, 1-BR + den, 1-bath cottage" Twin Peaks Condo 1962 2/2 1280 $1172 "Top floor unit, extensively renovated, unobstructed views, downtown to Mt. Diablo" *Sales reported to NorCal Regional MLS, August through mid-October 2021, sales prices from $1,475,000 to $1,525,000. MLS listing comments sometimes edited. The devil is in the details: a brief description cannot do justice to any home. Data derived from sources deemed reliable, but may contain errors.</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/c72f8659-c93a-4b4b-9383-38077c2c35f6/Slide9.JPG</image:loc>
      <image:title>blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/63f4ea0b-e233-4801-81e9-bb8fbcf7dce6/Slide22.JPG</image:loc>
      <image:title>blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>All-time lows in interest rates, increasing household incomes, and large pandemic-related government disbursements to households brought debt service payments as percentages of disposable personal income down to historic lows through Q1 2021. The percentages started to climb back up in Q2 2021 (the latest data available), but still remained extremely low by any standards — a positive economic indicator. When the debt service percentages hit high points, it is often a prelude to market corrections. Currently, the biggest wildcard is the possibility of significant changes to interest rates. (This analysis does not imply any market or interest-rate predictions on our part.) Data as published by the Federal Reserve Rank of St. Louis: httos://fred.sdouisfed.oraiseriesAIDSP . Data from sources deemed reliable but may contain errors and revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/ca2edc64-09a1-4b87-bbf3-40911ee09b27/Slide23.JPG</image:loc>
      <image:title>blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/021a8963-dbd4-4a5f-83f3-5eb2d09e2e32/Slide16.JPG</image:loc>
      <image:title>blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>The SF luxury home market is fiercely seasonal. After the autumn bump in sales, activity typically plunges to its low point in mid-winter. Typical seasonal trends were altered in 2020 by the pandemic.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/51d04544-180d-49f3-b99a-ceea87328db3/Slide21.JPG</image:loc>
      <image:title>blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>Due to a variety of economic factors, the Consumer Price Index, a measurement of inflation, has jumped in 2021. Historically, the standard remedy for surging inflation is to raise interest rates, but there are varying opinions as to whether higher inflation rates will persist, and what the exact response from the Federal Reserve Bank will be. Even if the Fed raises rates, the exact effect on mortgage rates is unclear. Predicting interest rate changes is extremely difficult. Per Freddie Mac (FHLMC), on November 4, 2021, the weekly average, 30-year mortgage interest rate was 3.09%. (The 15-year rate was 2.35%.) The all-time 30-year-rate low of 2.65% was reached in January 2021. In November 2018, the rate was 4.94%; in 2007, 6.3%; in year 2000, 8%; and in 1990, 10% (the ast 3 not illustrated on this chart). Interest rates may fluctuate suddenly and dramatically, and it is very difficult to accurately predict rate changes. Data from sources deemed reliable, but may contain errors and not guaranteed. Anyone interested in residential home loans should consult with a qualified mortgage professional and their accountant.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/6f7c0374-43ca-4661-a8b0-80b5e3ebc721/Slide20.JPG</image:loc>
      <image:title>blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>There has been a tremendous surge in household wealth generated by increases in financial market values. This has mostly benefited more affluent households. Data from multpl.com and Yahoo! Finance. An approximate illustration only. Data from sources deemed reliable but may contain errors and subject to revision. Financial markets can be prone to significant volatility even on a short-term basis. For general illustration purposes only. All figures are approximate.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.dpaulsf.com/blog/14-san-francisco-home-decor-shops</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-11-11</lastmod>
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      <image:title>blog - 14 San Francisco Home Decor Shops - Make it stand out</image:title>
      <image:caption>A crystal ball hangs from a chandelier at Epoca/Garden Court Antiques, in Potrero Hill.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.dpaulsf.com/blog/get-to-know-inner-mission</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2021-11-10</lastmod>
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      <image:title>blog - Get to Know: Inner Mission - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.dpaulsf.com/blog/sold-congrats-to-dampa</loc>
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    <lastmod>2021-12-05</lastmod>
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      <image:title>blog - SOLD! Congrats to DW</image:title>
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      <image:title>blog - SOLD! Congrats to DW</image:title>
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      <image:title>blog - SOLD! Congrats to DW</image:title>
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    <loc>https://www.dpaulsf.com/blog/haunted-house</loc>
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      <image:title>blog - That's the Spirit: Selling Your Haunted House</image:title>
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    <loc>https://www.dpaulsf.com/blog/get-to-know-potrero-hill</loc>
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      <image:title>blog - Get to Know: Potrero Hill - Make it stand out</image:title>
      <image:caption>Photo by Christopher Michel on Flickr, via Creative Commons</image:caption>
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    <loc>https://www.dpaulsf.com/blog/october-2021-market-report</loc>
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    <lastmod>2021-10-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1633474917893-I0BD606K3FNYTLOJ0YLZ/Victorian-widows-walk.jpg</image:loc>
      <image:title>blog - October 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1633472566011-MO9MOTW4C68WWEEZS0N8/New-listings-condo.jpeg</image:loc>
      <image:title>blog - October 2021 Market Report - Make it stand out</image:title>
      <image:caption>New Listing numbers represent the number of properties that were newly listed for that period. A downward trend of listing inventory and an upward trend of the number of properties sold indicates the seller is in a better negotiating position. An upward trend of listing inventory and a downward trend of the number of properties sold indicates the buyer is in a better negotiating position.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1633459064309-JI15WL5NPAUR60FB9Y91/For-sale-end-of-period-SFR.jpeg</image:loc>
      <image:title>blog - October 2021 Market Report - Make it stand out</image:title>
      <image:caption>For Sale metrics are a snapshot of the number of properties for sale (active) on the last day of the selected period (eg. end of month, quarter, year, etc.). This generally leads to a cleaner, more accurate number for calculating Months Supply of Inventory and surfacing trends because it excludes the complexity of back &amp; forth status changes throughout the period. Reference this NAR post for more information. A downward trend of For Sale inventory and an upward trend of the number of properties sold indicates the seller is in a better negotiating position. An upward trend of For Sale inventory and a downward trend of the number of properties sold indicates the buyer is in a better negotiating position.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1633473182703-Y98VC232PR39HPWM6D6B/Median-sold-price-condo.jpeg</image:loc>
      <image:title>blog - October 2021 Market Report - Make it stand out</image:title>
      <image:caption>Median or Average Sold Price For Sale is the median or average calculation of the properties sold in a particular period. It helps identify where the softest market is and where the buyer can find the biggest price concessions. If a very expensive or very cheap home has been sold, average statistics can be skewed up or down, and the trend line can fluctuate with less consistency. In these cases the median metric may be of more value since median is the price where half of the homes sold were cheaper, and half were more expensive. Median tends to be less sensitive to outliers. When combined with the Sold Price / Original List Price % Difference Report, these metrics can portray the relationship between on and off market pricing.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1633471509661-P8IRIALNS82LKY7CVYLF/Median-DOM-SFR.jpeg</image:loc>
      <image:title>blog - October 2021 Market Report - Make it stand out</image:title>
      <image:caption>DOM generally is between the day the property is listed and the day it becomes off market (eg. when it goes under contract). A listing’s DOM counts up by one every day the property remains unsold. A low median / average DOM indicates a strong market that favors sellers. A high median / average DOM signals a weak market that favors buyers.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1633473038861-X9RI1S9JEVPA44SB74Z5/Months-inventory-SFR.jpeg</image:loc>
      <image:title>blog - October 2021 Market Report - Make it stand out</image:title>
      <image:caption>There are 2 kinds of Months of Inventory (MOI): MOI based on Closed Sales = the number of properties for sale divided by the number of properties sold. MOI based on Under Contract Sales = the number of properties for sale divided by the number of properties under contract.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1633471692023-IOV2NAM5GS44IQZHNV9N/Median-price-sqft-SFR.jpeg</image:loc>
      <image:title>blog - October 2021 Market Report - Make it stand out</image:title>
      <image:caption>Median / Average Price per Sqft is the median or average calculation of sold price divided by square footage of sold listings within a given period. Use the highest and lowest monthly average price per square foot on the chart to establish the most marketable price range in a specific area. If the home has a larger than normal lot, a special amenity, or is located in an area of social demand, the home price must be adjusted upward.If there are less than five properties sold per month for a specific price range, the average price per square foot might be skewed and is not as useful. In this case, an average of the time period should be used in setting the price. The garage area is not included in the square footage price calculation. Individual listings in the MLS system without square foot information are excluded in the average square foot price calculation.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1633473292056-X0MHYMKL3FYNW9U16HJF/Sold-vs-list-price-condo.jpeg</image:loc>
      <image:title>blog - October 2021 Market Report - Make it stand out</image:title>
      <image:caption>Also known as the Sale-to-List Ratio or “Negotiability” metric. When a property is listed on the market, the list price may change one or more times before it is sold. Original list price is the price that is first entered to the MLS database when a property is listed on the market. This report represents the percentage difference between sold price and original list price of properties sold in a given time period. If the percentage difference is above 100%, the home sold for more than the original list price. If it's less than 100%, the home sold for less than the list price.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1633472663345-PWLWC8QGJUXWZJWDJUWE/For-sale-end-of-period-condo.jpeg</image:loc>
      <image:title>blog - October 2021 Market Report - Make it stand out</image:title>
      <image:caption>For Sale metrics are a snapshot of the number of properties for sale (active) on the last day of the selected period (eg. end of month, quarter, year, etc.). This generally leads to a cleaner, more accurate number for calculating Months Supply of Inventory and surfacing trends because it excludes the complexity of back &amp; forth status changes throughout the period. Reference this NAR post for more information. A downward trend of For Sale inventory and an upward trend of the number of properties sold indicates the seller is in a better negotiating position. An upward trend of For Sale inventory and a downward trend of the number of properties sold indicates the buyer is in a better negotiating position.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1633463791606-O12DMAZPH4LBKX62VXZE/Median-sold-price-SFR.jpeg</image:loc>
      <image:title>blog - October 2021 Market Report - Make it stand out</image:title>
      <image:caption>Median or Average Sold Price For Sale is the median or average calculation of the properties sold in a particular period. It helps identify where the softest market is and where the buyer can find the biggest price concessions. If a very expensive or very cheap home has been sold, average statistics can be skewed up or down, and the trend line can fluctuate with less consistency. In these cases the median metric may be of more value since median is the price where half of the homes sold were cheaper, and half were more expensive. Median tends to be less sensitive to outliers. When combined with the Sold Price / Original List Price % Difference Report, these metrics can portray the relationship between on and off market pricing.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1633472860690-2W37A6SACTO8UL84JXHS/Median-DOM-condo.jpeg</image:loc>
      <image:title>blog - October 2021 Market Report - Make it stand out</image:title>
      <image:caption>DOM generally is between the day the property is listed and the day it becomes off market (eg. when it goes under contract). A listing’s DOM counts up by one every day the property remains unsold. A low median / average DOM indicates a strong market that favors sellers. A high median / average DOM signals a weak market that favors buyers.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1633460286071-JK6KB595CPD0G2YNLMHS/Sold-under-contract-SFR.jpeg</image:loc>
      <image:title>blog - October 2021 Market Report - Make it stand out</image:title>
      <image:caption>Sold numbers represent the number of properties that were sold for the selected time period. Under Contract numbers represent the number of properties that went “under contract” or “pending” status for that period. The properties sold figures are derived from recorded transactions. Current monthly sold figures might be adjusted upward on subsequent reports to account for any closed transactions that are reported late.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1633473095363-78DOWUWYDH1DNYG2HTHZ/Months-inventory-condo.jpeg</image:loc>
      <image:title>blog - October 2021 Market Report - Make it stand out</image:title>
      <image:caption>There are 2 kinds of Months of Inventory (MOI): MOI based on Closed Sales = the number of properties for sale divided by the number of properties sold. MOI based on Under Contract Sales = the number of properties for sale divided by the number of properties under contract.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1633471710808-DHCQNJ4PJUFYBD9BVPU7/Sold-vs-list-price-SFR.jpeg</image:loc>
      <image:title>blog - October 2021 Market Report - Make it stand out</image:title>
      <image:caption>Also known as the Sale-to-List Ratio or “Negotiability” metric. When a property is listed on the market, the list price may change one or more times before it is sold. Original list price is the price that is first entered to the MLS database when a property is listed on the market. This report represents the percentage difference between sold price and original list price of properties sold in a given time period. If the percentage difference is above 100%, the home sold for more than the original list price. If it's less than 100%, the home sold for less than the list price.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1633458663028-ZJS0FBG3YYR9FTO83ID6/New-listings-condo.jpeg</image:loc>
      <image:title>blog - October 2021 Market Report - Make it stand out</image:title>
      <image:caption>New Listing numbers represent the number of properties that were newly listed for that period. A downward trend of listing inventory and an upward trend of the number of properties sold indicates the seller is in a better negotiating position. An upward trend of listing inventory and a downward trend of the number of properties sold indicates the buyer is in a better negotiating position.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1633472731064-JSF8DAUX57UK4L34VSHO/Sold-under-contract-condo.jpeg</image:loc>
      <image:title>blog - October 2021 Market Report - Make it stand out</image:title>
      <image:caption>Sold numbers represent the number of properties that were sold for the selected time period. Under Contract numbers represent the number of properties that went “under contract” or “pending” status for that period. The properties sold figures are derived from recorded transactions. Current monthly sold figures might be adjusted upward on subsequent reports to account for any closed transactions that are reported late.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1633473232521-UUABNDK9CEXH4VZ7ZWSL/Median-price-sqft-condo.jpeg</image:loc>
      <image:title>blog - October 2021 Market Report - Make it stand out</image:title>
      <image:caption>Median / Average Price per Sqft is the median or average calculation of sold price divided by square footage of sold listings within a given period. Use the highest and lowest monthly average price per square foot on the chart to establish the most marketable price range in a specific area. If the home has a larger than normal lot, a special amenity, or is located in an area of social demand, the home price must be adjusted upward.If there are less than five properties sold per month for a specific price range, the average price per square foot might be skewed and is not as useful. In this case, an average of the time period should be used in setting the price. The garage area is not included in the square footage price calculation. Individual listings in the MLS system without square foot information are excluded in the average square foot price calculation.</image:caption>
    </image:image>
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    <loc>https://www.dpaulsf.com/blog/sold-566-wisconsin-st</loc>
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    <lastmod>2022-02-28</lastmod>
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      <image:title>blog - SOLD! 566 Wisconsin St</image:title>
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      <image:title>blog - SOLD! 566 Wisconsin St</image:title>
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      <image:title>blog - SOLD! 566 Wisconsin St</image:title>
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  </url>
  <url>
    <loc>https://www.dpaulsf.com/blog/september-2021-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-09-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1631750061582-PJY38I8NFADRLFO8XJCZ/Slide2.JPG</image:loc>
      <image:title>blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>Median house sales prices as reported to NorCal Regional MLS, per Infosparks. Median sales prices can fluctuate due to factors besides changes in fair market value. Analysis may contain errors and subject to revision. All numbers are approximate. Latest data may change due to late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1631750327554-0IEY8HU2Y4HCIUAR5RRJ/Slide3.JPG</image:loc>
      <image:title>blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>Median sales price is that price at which half the sales occurred for more and half for less. It is a general statistic that conceals a wide range of prices in the underlying sales. It can be affected by factors other than changes in fair market value and often fluctuates.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1631756512265-EGT9L5SMIGE5HO30KRIE/Slide7.JPG</image:loc>
      <image:title>blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>* Sales reported to NorCal Regional MLS in the 6-month period through late August 2021. Data from sources deemed reliable, but may contain errors and subject to revision. Late reported sales may alter these figures. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1631815570598-XGON1UC0SP44OR7SWRG2/Slide9.JPG</image:loc>
      <image:title>blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>House, condo, townhouse, co-op and TIC sales reported to NorCal Regional MLS, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Latest data estimated and may change due to late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1631756631522-5P7T6MFYXRFZMM90DUHY/Slide11.JPG</image:loc>
      <image:title>blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>* 6 months NorCal Regional MLS house sales reported through 8/15/21. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. Not all sales are reported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1631757280653-0WDDG5Z0W8PIZZDO5AVP/Slide14.JPG</image:loc>
      <image:title>blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1631750498379-PRYJMK2XX1EBG1TJVLG7/Slide4.JPG</image:loc>
      <image:title>blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>Approximate, good-faith estimates</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1631750783794-L0CMTE6IZLMH2YFN8ATS/Slide6.JPG</image:loc>
      <image:title>blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1631815958579-PA0CBFT5E1NWDBVQFRVR/Slide16.JPG</image:loc>
      <image:title>blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1631756888640-70BDPLCBC8KW7GI02PAK/Slide12.JPG</image:loc>
      <image:title>blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>* 6 months NorCal Regional MLS condo, co-op, TIC, townhouse sales reported through 8/15/21. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. Not all sales are reported to MLS, especially many new-project condo sales. Percentages are rounded to nearest whole percentage point.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1631816032637-GTQUPOF5MKIJ5DETTETV/Slide17.JPG</image:loc>
      <image:title>blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>Data per California Association of Realtors: "C.A.R.'s Traditional Housing Affordability Index (HAI). Methodology can be found on www.CAR.org, Market Data section. "SF Bay Area" includes 9 counties, Napa to Santa Clara.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1631815823173-NL0FTEPES0LA3JTU7UPN/Slide13.JPG</image:loc>
      <image:title>blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>House, condo &amp; co-op listings reported as sold year-to-date, or under contract as of 8/22/21</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1631816277598-Q6KRF1CTDCO4BW3MVT1K/Slide19.JPG</image:loc>
      <image:title>blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>Chart from U.S. Bureau of Labor Statistics, published mid-August 2021: https://www.b1s.govicharts/consumer-price-index/consumer-price-index-by-category-line-chart.htm. Data from sources deemed reliable, but may contain errors and subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1631815659090-YNZA6SMGH1IZ8FUA0M69/Slide10.JPG</image:loc>
      <image:title>blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>House, condo, townhouse, co-op and TIC sales reported to NorCal Regional MLS, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Latest month's data estimated and may change due to late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1631816129357-5V0Q8AIP51UWJVMS8IQ7/Slide18.JPG</image:loc>
      <image:title>blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>Based upon analysis of ACS data by Hans Johnson, Public Policy Institute of CA, May 2021 (does not include foreign immigration figures): https://www.ppic.org/blog/whos-leaving-california-and-whos-moving-in/. Adults 20-64 years of age. Low income: up to twice federal poverty level; mid-income: more than 2, up to 5 times poverty level; higher income: more than 5 times poverty level. Data from sources deemed reliable but may contain errors.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1631757080943-IMRDAU8VPB1YSBX8ER2M/Slide8.JPG</image:loc>
      <image:title>blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>*Residential — house, condo, co-op, TIC, townhouse — sales reported to NorCal Regional MLS, August through July of 2 successive 12-month periods within 2019-2021, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1631815428617-NW94YVXFGELDLP2GWC9K/Slide15.JPG</image:loc>
      <image:title>blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1631816971745-ZD1NX8ICLDQ9QWPI0RQS/51380670089_319c7e81f2_k.jpg</image:loc>
      <image:title>blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>Image by Christopher Michel on Flickr, via Creative Commons license</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.dpaulsf.com/blog/just-listed-1203-noe-st</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-10-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1631052420130-IULPWYF8E32BTJHR4GP0/30.1203-noe-street.48969.fp2k.2d.no-calc.mls.01.jpg</image:loc>
      <image:title>blog - SOLD! 1203 Noe St - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1631052383465-ZEGVI82XKSEQIZ95D9X4/1.1203Noe+Kitch2.jpg</image:loc>
      <image:title>blog - SOLD! 1203 Noe St</image:title>
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      <image:title>blog - SOLD! 1203 Noe St</image:title>
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      <image:title>blog - SOLD! 1203 Noe St</image:title>
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      <image:title>blog - SOLD! 1203 Noe St</image:title>
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      <image:title>blog - SOLD! 1203 Noe St</image:title>
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      <image:title>blog - SOLD! 1203 Noe St</image:title>
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      <image:title>blog - SOLD! 1203 Noe St</image:title>
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      <image:title>blog - SOLD! 1203 Noe St</image:title>
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      <image:title>blog - SOLD! 1203 Noe St</image:title>
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      <image:title>blog - SOLD! 1203 Noe St</image:title>
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      <image:caption>Image by Patricia Silva, @patrix15 on Instagram. Used with permission.</image:caption>
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      <image:title>blog - What Is Liquefaction? - Make it stand out</image:title>
      <image:caption>An automobile lies crushed under the third story of this apartment building in the Marina District. The ground levels are no longer visible because of structural failure and sinking due to liquefaction. Credit: J.K. Nakata, USGS. Public domain.</image:caption>
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      <image:title>blog - August 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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      <image:title>blog - August 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>blog - August 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>blog - August 2021 Market Report - Make it stand out</image:title>
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      <image:title>blog - August 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>blog - August 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>blog - August 2021 Market Report - Make it stand out</image:title>
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      <image:title>blog - August 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>blog - August 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>blog - August 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>blog - August 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>blog - August 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>blog - August 2021 Market Report - Make it stand out</image:title>
      <image:caption>Image by Patricia Silva, @patrix15 on Instagram. Used with permission.</image:caption>
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      <image:title>blog - August 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>blog - August 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>blog - August 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>blog - August 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>blog - August 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>blog - August 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <lastmod>2021-07-27</lastmod>
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      <image:title>blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
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      <image:title>blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1621023262556-QXGFDSPSAPCFUHEPHV9R/22-1030Gilman+1BR1.jpg</image:loc>
      <image:title>blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1621024308656-E91AIAWRFQPMMT0BA7J1/23-1030Gilman+Ofc2.jpg</image:loc>
      <image:title>blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1621023266236-X57WNSS54MJBCM9KXFCA/23-1030Gilman+View3.jpg</image:loc>
      <image:title>blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1621023268596-WOY7TPPL9ZM6HLRVIND6/24-1030Gilman+Shed1.jpg</image:loc>
      <image:title>blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
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      <image:title>blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
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      <image:title>blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
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      <image:title>blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
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      <image:title>blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
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      <image:title>blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
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      <image:title>blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
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    <loc>https://www.dpaulsf.com/blog/may-2021-market-report</loc>
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    <lastmod>2021-05-19</lastmod>
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      <image:title>blog - May 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>blog - May 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1620670069626-CTLSKZ85WGB2T6UT6T86/Slide16.JPG</image:loc>
      <image:title>blog - May 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1620668711380-WF18R9QGTH9DL1AJ3Y9V/Slide5.JPG</image:loc>
      <image:title>blog - May 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>blog - May 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1620670155960-WBWOSF6XV4EMG6FXFKEF/Slide17.JPG</image:loc>
      <image:title>blog - May 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1620669060844-S0N8Z4WW1XW98HP15MS6/Slide7.JPG</image:loc>
      <image:title>blog - May 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1620669859282-J4XNK88GGDEDNQ84XQ49/Slide13.JPG</image:loc>
      <image:title>blog - May 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1620669729400-G45YUJIWKLK5V30UECIA/Slide12.JPG</image:loc>
      <image:title>blog - May 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1620668512575-3MEIC6ZD2HEQHABU9H1S/Slide4.JPG</image:loc>
      <image:title>blog - May 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1620669206406-WA4QZNFRB7CHFMW8MG37/Slide8.JPG</image:loc>
      <image:title>blog - May 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>blog - May 2021 Market Report - Make it stand out</image:title>
      <image:caption>Photo ©Travis Monson (@travismonsonphotography on Instagram, travismonsonphotography.com). Used with permission.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1620668831572-NFOC4TCI9UCQ8WKA6HRY/Slide6.JPG</image:loc>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>blog - May 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.dpaulsf.com/blog/a-font-that-celebrates-the-street-signs-of-san-francisco</loc>
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    <lastmod>2021-05-03</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1620081448071-QOSIJYCBFXQC65NVA41Z/FogCityGothic.jpeg</image:loc>
      <image:title>blog - A Font That Celebrates the Street Signs of San Francisco</image:title>
      <image:caption>A Fog City Gothic street sign, made with use of a historic San Francisco neighborhood photo from Western Neighborhoods Project's OpenSFHistory site.</image:caption>
    </image:image>
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  <url>
    <loc>https://www.dpaulsf.com/blog/2017/10/14/thoughts-disaster-preparedness</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-10-09</lastmod>
    <image:image>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.dpaulsf.com/blog/april-2021-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-04-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1618246804839-AJXO4V2350HH72JCQ2RN/Slide12.JPG</image:loc>
      <image:title>blog - April 2021 Market Report</image:title>
      <image:caption>On average, house list prices were overbid by 5% during Q1 2021, and condo list prices slightly underbid. SP-OP percentages remain well down from 2018. 100% signifies an average sales price at original list price.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1618246945396-ITBCTWCX85EVH5WXMP7F/Slide15.JPG</image:loc>
      <image:title>blog - April 2021 Market Report</image:title>
      <image:caption>Comparing median sales prices between neighborhoods is not apples to apples, since the median sizes of homes vary so widely. Generally speaking, the most expensive neighborhoods have both the largest homes and the highest dollar per square foot values. Square footage is based upon interior living space and doesn't include garages, attics, basements, rooms built without permit, decks, patios or lot size. Median home sizes can vary widely between time periods. Within neighborhoods home sizes vary enormously. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1618246718533-AAXQ2W2OR5DBEBCQLYNV/Slide6.JPG</image:loc>
      <image:title>blog - April 2021 Market Report</image:title>
      <image:caption>This is a snapshot measure of how many pending listings can be expected on any given day of the specified month. March columns highlighted: The number of listings pending sale on any given day in March 2021 was up 89% over March 2020.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1618246776422-PH5HK33SBLL6E291KQMB/Slide10.JPG</image:loc>
      <image:title>blog - April 2021 Market Report</image:title>
      <image:caption>On average, houses continue to go into contract much more quickly than condos, co-ops and TICs. The difference grew much wider since the pandemic hit.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1618252122161-UTCCVAJDDMBDZZ63PZPH/GGB.jpg</image:loc>
      <image:title>blog - April 2021 Market Report</image:title>
      <image:caption>Photo by Dale Cruse on Flickr via Creative Commons license</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1618246617805-MJCKKDQT0WGT5W08A23O/Slide2.JPG</image:loc>
      <image:title>blog - April 2021 Market Report</image:title>
      <image:caption>Q1 columns highlighted: The Q1 2021 median house sales price was 6.5% higher than in Q1 2020. Seasonal fluctuations are common, and it's not unusual for median sales prices to peak for the year in spring (Q2). Longer-term trends are more meaningful than short-term changes. Median sales price is that price at which half the sales occurred for more and half for less. It is a very general statistic that can be affected by other factors besides changes in fair market value. All numbers are approximate and subject to revision. Last quarter may change with late reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1618246676673-1578E0MX0O5TXL45D53Y/Slide5.JPG</image:loc>
      <image:title>blog - April 2021 Market Report</image:title>
      <image:caption>March columns highlighted: The number of active listings on the market on any given day in March 2021 was up 65% from March 2020. Condos, co-ops and TICs made up approximately 74% of the active listings.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1618246662925-F0MIH7MSRHHA2GH45WSE/Slide4.JPG</image:loc>
      <image:title>blog - April 2021 Market Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1618246748917-DKCSLRQHKJKT5ZKEU952/Slide8.JPG</image:loc>
      <image:title>blog - April 2021 Market Report</image:title>
      <image:caption>In Q1 2021, luxury house sales were up 51% and luxury condo, co-op &amp; TIC sales up 39% year over year. Typically spring (Q2) is the dominant selling period for luxury home sales, but Q2 2020 was deeply affected by the pandemic before rebounding strongly in the following quarters.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1618246646596-FMD13DRWIAYP7F40WWKO/Slide3.JPG</image:loc>
      <image:title>blog - April 2021 Market Report</image:title>
      <image:caption>Year-over-year, the Q1 2021 median sales price for 2-bedroom condos was down 10.6% from Q1 2020.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1618249292134-BQD8T2HI7HZFZBI3MHJN/Slide19.JPG</image:loc>
      <image:title>blog - April 2021 Market Report</image:title>
      <image:caption>Per Freddie Mac on April 1 2021 the weekly average 30-year interest rate was 3.18%, up from the all-time low of 2.65% in early January. In November 2018, the rate hit 4.94%. In 2007, the average was 6.3%.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1618246899264-FFTYKQUMQ2B9FUX0GSVA/Slide14.JPG</image:loc>
      <image:title>blog - April 2021 Market Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1618246960875-EHWOQYQ1QROKRS23ZGVD/Slide16.JPG</image:loc>
      <image:title>blog - April 2021 Market Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1618246976108-PW32QM9SDJ1ICX4OEQDW/Slide17.JPG</image:loc>
      <image:title>blog - April 2021 Market Report</image:title>
      <image:caption>Illustrating average % differences between sales and list prices on homes which sold quickly — i.e. went into contract within 30 days of coming on market. Positive percentages = overbidding asking price, while negative percentages (South Beach and Mission Bay condos) signify underbidding. Overbidding most typically occurs on brand new listings. On average, the sales price of houses accepting offers within 30 days was 8.9% above list price, and for condos 2.9% higher.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1618246733159-4HG1VWZFCG2BACDUGN5X/Slide7.JPG</image:loc>
      <image:title>blog - April 2021 Market Report</image:title>
      <image:caption>Q1 2021 sales volume was up approximately 60% Houses made up 37 and condos, co-ops &amp; Q2 2019 year over year. % of Q1 2021 sales, TICs made up 63%. Sales are a lagging indicator, reflecting accepted offers 3-5 weeks earlier.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1618246788152-ZJH0YKTOKEH5M957PFH1/Slide11.JPG</image:loc>
      <image:title>blog - April 2021 Market Report</image:title>
      <image:caption>Since the pandemic struck one year ago, the percentage of sales in which the list price was overbid has declined for both houses and condos/co-ops/TICs. Even with the decline, the percentage for houses remained quite high, but the decline has been larger for the latter property types. Percentages have begun to tick back up, perhaps due in some part to the rollout of vaccines.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1618246760738-TTGNVEL0ILPQO9EFP6L5/Slide9.JPG</image:loc>
      <image:title>blog - April 2021 Market Report</image:title>
      <image:caption>Q1 2021 percentages were the highest of any Q1 over the past 4 years. The higher the percentage of listings accepting offers (going into contract), the stronger the buyer demand as compared to the supply of listings for sale.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.dpaulsf.com/blog/sold-congrats-to-c-amp-d</loc>
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    <lastmod>2021-04-16</lastmod>
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      <image:title>blog - SOLD! Congrats to C &amp;amp; D</image:title>
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      <image:title>blog - SOLD! Congrats to C &amp;amp; D</image:title>
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      <image:title>blog - SOLD! Congrats to C &amp;amp; D</image:title>
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      <image:title>blog - SOLD! Congrats to C &amp;amp; D</image:title>
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      <image:title>blog - SOLD! Congrats to C &amp;amp; D</image:title>
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      <image:title>blog - SOLD! Congrats to C &amp;amp; D</image:title>
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      <image:title>blog - SOLD! Congrats to C &amp;amp; D</image:title>
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      <image:caption>Even steeper was the rise in ultra-luxury homes priced $5 million and more.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1615226441055-HK94UTB6O2QV7W9LM3PM/Slide19.JPG</image:loc>
      <image:title>blog - March 2021 Market Report</image:title>
      <image:caption>Despite an overall softening of the condo market, luxury condo sales were up about 17% YOY, and will likely continue as the pandemic recedes.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1615225607437-ZXT71NNNZSNGAJ5I1K4F/Slide10.JPG</image:loc>
      <image:title>blog - March 2021 Market Report</image:title>
      <image:caption>As of late February, about 75% of Coming Soon listings were condos/TIC/co-ops, with the balance being houses. About a third of active listings are priced under $1 million, with 93% of them being condos/TIC/co-ops. Nearly another third are priced under $1.5 million, 26% of which are houses. While competition remains strong in this market, there are opportunities for buyers looking for a starter home.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1615226652560-D85IE3EGJPN7364TK3T5/Slide-Mortgage-Debt-Percentage-of-Income.pptx.jpg</image:loc>
      <image:title>blog - March 2021 Market Report</image:title>
      <image:caption>The combination of four factors—home prices, mortgage debt, interest rates, and income—determine the burden on household finances. The recent lows in interest rates have contributed to favorable conditions for home ownership in this regard.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1615225818789-VHEF3A43DGY48SO6IMTB/Slide11.JPG</image:loc>
      <image:title>blog - March 2021 Market Report</image:title>
      <image:caption>YOY the number of listings pending sale has nearly doubled. This is an indicator of just how hot the market is right now.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1615224677232-QUM9C6K7P2EG0AOM7I29/Slide5.JPG</image:loc>
      <image:title>blog - March 2021 Market Report</image:title>
      <image:caption>January is typically the slowest month of the year for sales, and while January 2021 was slower than previous months, house sales were about 45% higher than the previous January.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1615223871892-C36LIIUM151H8M1IQNIH/Spring-blossoms.jpg</image:loc>
      <image:title>blog - March 2021 Market Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1615226036125-2NU0TP1V6XIBACHA8C1Q/Slide14.JPG</image:loc>
      <image:title>blog - March 2021 Market Report</image:title>
      <image:caption>The central District 5, encompassing Noe, Eureka, and Cole Valleys plus Ashbury Heights and Buena Vista Heights, saw the greatest volume of luxury house sales, with 122 homes over the price of $3 million.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1615225884348-DTAWE7S77N6JKXV30PR9/Slide12.JPG</image:loc>
      <image:title>blog - March 2021 Market Report</image:title>
      <image:caption>Condo and house sales are roughly equal in volume, but more 2BR condos sell in San Francisco than any other property type. Price per square foot tends to go down as the square footage increases.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1615225479788-C455KDICRUFNPOI12V63/Slide9.JPG</image:loc>
      <image:title>blog - March 2021 Market Report</image:title>
      <image:caption>While new listings are up 10%, the number of active listings YOY is up was up 66%. This can be attributed to longer Days on Market (DOM) for listings, and probably mostly condos.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1615226513768-9EPT0X6IGNUWQ8PK7EXL/Slide21.JPG</image:loc>
      <image:title>blog - March 2021 Market Report</image:title>
      <image:caption>Interest rates have risen about 14% from their all-time lows in January of this year. However, they still remain drastically lower than they have been historically.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1615225006686-H42Q19KFZAURZOJCXN13/Slide6.JPG</image:loc>
      <image:title>blog - March 2021 Market Report</image:title>
      <image:caption>Remarkably, the volume of condo/TIC/Co-op sales is significantly up YOY, about 48%. This probably indicates buyers with pent up demand taking advantage of a softened market. It’s less likely to be investors, as rents have been very soft in the city. To my mind, this is a good indicator that San Francisco’s condo market will remain robust.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1615226171438-67DT315QLJNBRGLBBXOX/Slide15.JPG</image:loc>
      <image:title>blog - March 2021 Market Report</image:title>
      <image:caption>Luxury home sales are significantly up YOY, probably again indicating a pandemic-fueled desire for more space.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1615225197481-T5S5LWQM0DY2RYEDGCR2/Slide7.JPG</image:loc>
      <image:title>blog - March 2021 Market Report</image:title>
      <image:caption>Despite the softening of the condo market, the Months Supply of Inventory (MSI) is still just moderate, so there’s not a glut of them. Interestingly, the MSI for 2-4 unit buildings is somewhat higher, which could mean opportunity for investors—provided they’re willing to ride out the very soft rental market.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1615224653082-J5XI0S7KHNCGNQM95HNL/Slide4.JPG</image:loc>
      <image:title>blog - March 2021 Market Report</image:title>
      <image:caption>Condo sales have been a mixed bag in the pandemic. Overall prices are down about 8% YOY, but it really depends on the features and amenities of the condo: How large the unit and the building, whether there’s outdoor space, how dense the environment is. Activity is picking up, and hopefully as vaccinations continue demand for condos will recover.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1615224568574-TP7M1S9XNWP8VK5FGTCU/Slide2.JPG</image:loc>
      <image:title>blog - March 2021 Market Report</image:title>
      <image:caption>Year over year, house prices were up about 5%.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1615225407298-DIO28HPZ0V49D8358O4B/Slide8.JPG</image:loc>
      <image:title>blog - March 2021 Market Report</image:title>
      <image:caption>YOY the number of listings coming on the market was up 10%. In general, listing volume has been up during the pandemic.</image:caption>
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    <loc>https://www.dpaulsf.com/blog/make-your-property-shine-to-listand-pay-for-it-after</loc>
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    <lastmod>2021-03-11</lastmod>
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      <image:title>blog - Make Your Property Shine Before You List—and Pay for It After</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1614736440666-IVGX5HDNQK2P7BH1R4TD/EnhanceB4USell.jpg</image:loc>
      <image:title>blog - Make Your Property Shine Before You List—and Pay for It After</image:title>
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    <loc>https://www.dpaulsf.com/blog/bridge-loan-buy-before-you-sell</loc>
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    <lastmod>2021-02-19</lastmod>
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      <image:title>blog - Need to Buy Before You Sell? A Bridge Loan Can Help</image:title>
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      <image:title>blog - Need to Buy Before You Sell? A Bridge Loan Can Help</image:title>
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    <lastmod>2021-05-06</lastmod>
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      <image:title>blog - SOLD! 300 3rd Street Unit 1210</image:title>
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  </url>
  <url>
    <loc>https://www.dpaulsf.com/blog/just-listed-1483-sutter-520</loc>
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    <lastmod>2021-05-06</lastmod>
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  </url>
  <url>
    <loc>https://www.dpaulsf.com/blog/february-2021-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-02-06</lastmod>
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      <image:title>blog - February 2021 Market Report</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1612640593298-CNZQFRD9Q1EZZSUDA9GZ/Interest-Rates-Slide2.JPG</image:loc>
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      <image:title>blog - February 2021 Market Report</image:title>
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      <image:title>blog - February 2021 Market Report</image:title>
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      <image:title>blog - February 2021 Market Report</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1612640385795-EXJHM1DFB2AWULV6OCCE/San-Francisco-YoY-Sales-Increase-Lux-vs-Non-Lux.jpg</image:loc>
      <image:title>blog - February 2021 Market Report</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1612640343393-WOPT5NH9I943PA3K41XP/SF-Res-YoY-Monthly-Sales-Vol-Comp.jpg</image:loc>
      <image:title>blog - February 2021 Market Report</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1612640613276-GUTVRAX7VG1DFD93NF76/Stock-Market-Changes_Selected-Stocks.jpg</image:loc>
      <image:title>blog - February 2021 Market Report</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1612640136293-EJ15V02JA1RPTN09VY6C/california-golden-gate-bridge.jpg</image:loc>
      <image:title>blog - February 2021 Market Report</image:title>
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      <image:title>blog - February 2021 Market Report</image:title>
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  </url>
  <url>
    <loc>https://www.dpaulsf.com/blog/january-2021-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-01-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1610047979457-K1AZ9NS4NNOUKT6CFCNV/SF-Home-Sales.JPG</image:loc>
      <image:title>blog - January 2021 Market Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1610046776438-3ZPAAIJKP4YCGAU37YC2/SF-Median-House-Price.JPG</image:loc>
      <image:title>blog - January 2021 Market Report</image:title>
      <image:caption>The dot-com bubble of the mid-90s, the financing bubble of the mid-2000s, and the high-tech boom of the 2010s significantly drove up pricing of homes in San Francisco.</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1610047624047-DNI2RINIAKSF9EEKZFU3/10.SF-2020-Condo-Sales.JPG</image:loc>
      <image:title>blog - January 2021 Market Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1610046388808-R8BNHNZC5MY45JI2KS1H/SF-2016-2020.JPG</image:loc>
      <image:title>blog - January 2021 Market Report</image:title>
      <image:caption>2020 saw significant challenges to the condo market, with a glut of inventory, resulting in more days on market and relatively flat pricing.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1610046678906-9A48P5N8Z6PA69NJZDCK/SF-Luxury-Home-Sales.JPG</image:loc>
      <image:title>blog - January 2021 Market Report</image:title>
      <image:caption>Here again we see how the pandemic had a deleterious effect on the sale of condos, especially luxury condos. Increased interest in SFRs drove up activity on luxury homes.</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1610047531003-3EAAMGU7D5GY3GK00RAR/Median-House-Price-Trends.JPG</image:loc>
      <image:title>blog - January 2021 Market Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1610047707369-FUIYN9E62WGNKL9IVURG/11.Median-House-Price-Trends.JPG</image:loc>
      <image:title>blog - January 2021 Market Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1610047432704-8TDIVB0BCA5XAB5RMNS6/7.SF-2020-House-Sales.JPG</image:loc>
      <image:title>blog - January 2021 Market Report</image:title>
      <image:caption>Bargain hunters take note of the southern and western neighborhoods that tend to have lower pricing per square foot than more prestigious areas.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1610046551720-5E5MUWUVRVCSBRUHB192/3.SF-Listings-Accepting-Offers.JPG</image:loc>
      <image:title>blog - January 2021 Market Report</image:title>
      <image:caption>Year-over-year percentage change in the number of listings going into contract during the month. During the first three months of the pandemic, sales plummeted as people were locked down and homes could not be shown. Market activity did slow in December from autumn, as usual, but far less than usual.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1610047595610-MI61DRGT0SMOTGBV2ZLK/Median-House-Price-Trends.JPG</image:loc>
      <image:title>blog - January 2021 Market Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1610048150480-KR9FP740VEDO3D2P0YQV/SF-Sales-Price-to-Offer-Price.JPG</image:loc>
      <image:title>blog - January 2021 Market Report</image:title>
      <image:caption>In a market where overbidding is de rigueur, the pandemic brought prices down, with many sales coming in at or even under original asking price. I think this is a trend we can expect to continue well into 2021, especially for condos, making this potentially a good buyer’s market.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1610046080112-IMXCXZ57ACZ8V5ZNLHV8/SF-Skyline.jpg</image:loc>
      <image:title>blog - January 2021 Market Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1610048122907-E2LXVG3RAOTCAE8GENQ8/SF-Higher-Price-Home-Sale.JPG</image:loc>
      <image:title>blog - January 2021 Market Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1610047820472-BAHPO2IG3NGJIG35XLTB/Active-Listings-on-Market.JPG</image:loc>
      <image:title>blog - January 2021 Market Report</image:title>
      <image:caption>Again, in the early days of the pandemic, the market flattened out drastically. As things opened up, listings flooded the market. In August 2020, the number of active listings was almost double that of the previous year. The extremely high inventory of homes for sale, especially of condos, was a major factor in the 2020 San Francisco market.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1610047315611-CLPXYCCV0HG3EGXKO0JO/SF-Median-Condo-Prices.JPG</image:loc>
      <image:title>blog - January 2021 Market Report</image:title>
      <image:caption>Unlike SFRs, thousands of new condos have been built in recent years, so year-over-year comparisons are not necessarily reflective of pricing trends. Here we do see that the pandemic had a deflating effect on condo pricing, down 8-10% year over year from 2019 to 2020.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1610047935607-CR8OEIIY9DHXG1ATEPQV/Sales-by-Month.JPG</image:loc>
      <image:title>blog - January 2021 Market Report</image:title>
      <image:caption>The pandemic upended our typical pattern of strong spring and fall selling seasons, cratering in the spring of 2020 and peaking late in the year.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1610046208206-KCJ6PIB7I7O6FJ2LAO3K/SF-Home-Price-Appreciation.JPG</image:loc>
      <image:title>blog - January 2021 Market Report</image:title>
      <image:caption>SFR prices continue to escalate and outpace pricing on condos and TICs. This trend is likely to continue into 2021.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.dpaulsf.com/blog/smart-reasons-to-refinance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-01-06</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1609975868758-6G63RO42E95DJUMKAK5T/RPM-Mortgage.jpg</image:loc>
      <image:title>blog - Smart Reasons to Refinance</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1609881593722-OKR09SAWLMVF7455ZQXD/Smart-Reasons-to-Refinance.jpg</image:loc>
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      <image:title>blog - Smart Reasons to Refinance</image:title>
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  </url>
  <url>
    <loc>https://www.dpaulsf.com/blog/sold-congrats-to-aa-amp-aa</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-12-30</lastmod>
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      <image:title>blog - SOLD! Congrats to AA &amp;amp; AA</image:title>
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      <image:title>blog - SOLD! Congrats to AA &amp;amp; AA</image:title>
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      <image:caption>Q2 2019 median house sales prices hit a new high, almost 5% above the previous high in Q2 2018.</image:caption>
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      <image:caption>Condos also reached new high median prices.</image:caption>
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      <image:caption>After two quarters of zero or negative average appreciation, Q2 2019 values are once again up.</image:caption>
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      <image:caption>High stock markets, low interest rates, surging luxury home sales, limited inventory, a spring full of unicorn IPOs, and San Francisco - once again -hits new highs in median home sales prices.</image:caption>
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      <image:title>blog - Quintessential San Francisco Experiences - The Pirate Store</image:title>
      <image:caption>Your one-stop shop for all buccaneer necessities: spyglasses, hand-stitched hook hands, and "Scurvy Begone" lemon gummies. Behind the retail space is a nonprofit youth writing lab founded by author Dave Eggers and local educator Ninive Calegari. Purchases at the store support the free writing program.</image:caption>
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      <image:title>blog - Quintessential San Francisco Experiences - Lands End Labyrinth</image:title>
      <image:caption>At the end of a promontory overlooking the Pacific and the Golden Gate Bridge lies a monument to peace, love, and enlightenment. This winding path of rocks was originally set in sand by artist Eduardo Aguilera in 2004, but has become a community creation. Locals love the zen quality of a quiet stroll through the maze.</image:caption>
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      <image:title>blog - Quintessential San Francisco Experiences - The Beat Museum</image:title>
      <image:caption>In the 1950s, artists, writers, and free spirits migrated to San Francisco and began a movement that was the counterculture of the time. The Beat Generation gave birth to a new classic American literature, including Jack Kerouac's "On the Road" and Allen Ginsberg's "Howl." This museum has an impressive collection of memorabilia, original manuscripts, and first editions.</image:caption>
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      <image:title>blog - Quintessential San Francisco Experiences - Fortune Cookie Factory</image:title>
      <image:caption>Located in Chinatown's Ross Alley, San Francisco's famous fortune cookie factory produces custom variations of the prophecy-holding treat. Visitors can observe how they get those little slips of wisdom inside for free, but it costs fifty cents to take a picture.</image:caption>
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      <image:title>blog - SOLD! 2068 3rd St #9</image:title>
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      <image:title>blog - SOLD! 2068 3rd St #9</image:title>
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      <image:title>blog - SOLD! 2068 3rd St #9</image:title>
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      <image:title>blog - SOLD! 2068 3rd St #9</image:title>
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      <image:title>blog - SOLD! 2068 3rd St #9</image:title>
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      <image:title>blog - SOLD! 2068 3rd St #9</image:title>
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      <image:title>blog - SOLD! 2068 3rd St #9</image:title>
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  <url>
    <loc>https://www.dpaulsf.com/blog/guide-san-francisco-farmers-markets</loc>
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    <lastmod>2018-06-09</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1528392337286-9JRLNVF1DD3WFOUG6R9G/Farmers+Mark+header.jpg</image:loc>
      <image:title>blog - Guide to SF Farmers Markets</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae4c46acef3722ff0729276/1528392585667-NWPZQU3OD9QG1FF9924P/Farmers+Mark.jpg</image:loc>
      <image:title>blog - Guide to SF Farmers Markets</image:title>
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    <loc>https://www.dpaulsf.com/blog/sold-2068-3rd-street-san-francisco</loc>
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    <lastmod>2018-07-16</lastmod>
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      <image:title>blog - Just Listed - 2068 3rd St #9 in San Francisco</image:title>
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      <image:title>blog - Just Listed - 2068 3rd St #9 in San Francisco</image:title>
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      <image:title>blog - Just Listed - 2068 3rd St #9 in San Francisco</image:title>
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      <image:title>blog - Just Listed - 2068 3rd St #9 in San Francisco</image:title>
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  <url>
    <loc>https://www.dpaulsf.com/blog/sold-brandon</loc>
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    <lastmod>2019-07-01</lastmod>
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      <image:title>blog - SOLD! Congrats to Brandon!</image:title>
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      <image:title>blog - SOLD! Congrats to Brandon!</image:title>
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