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In a depreciating or flat market, the cost of selling too soon becomes more visible. Buyers often assume equity equals profit, but transaction costs, mortgage insurance, and higher interest rates can quickly erase gains.
The Niagara example of a 2022 purchase followed by a 2025 sale highlights this risk. Despite making mortgage payments for three years, the seller still experienced a loss once costs were factored in.
This doesn’t mean homeowners are “stuck.” It means decisions must be made with full awareness. Life changes sometimes require moves regardless of market conditions. The goal is clarity, not avoidance.
Understanding timelines allows homeowners to plan proactively rather than reactively. In many cases, staying put longer protects equity and creates flexibility.
To understand how timing impacts real outcomes, follow my Value Series on Instagram or YouTube.
