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Hi friends,

Take a detour with me… to the used car lot.

For at least a year, the used car market has been insane, because the new car market has been insane, because supply chains are complicated, and your car has more microchips than we sent to the moon—a LOT more—for reasons well beyond the grasp of this humble real estate newsletter.

Love cars or loathe them, just hope you don’t need to buy one.

Until now, that is! The used car market is finally coming down, all the way back to… well, about nine months ago, so far.

Manheim Used Vehicle Value Index, Mid-August 2022
Source: Manheim Used Vehicle Index

Clearly, there’s still a long way for used-vehicle prices to potentially fall. But will they crash all the way back down to earth? Considering that the chip shortage and supply chain issues are still going strong, probably not.

For this recent hit to your car’s Kelly Blue Book value, the main culprit is reduced demand, engineered by the Fed via interest rate hikes.

Not unlike real estate prices!

The latest August numbers show overall median price-per-square-foot down ~4% year-over-year in San Francisco, $100 below the peak of $1,169 this spring (3-month rolling average reported by SFAR/InfoSparks). That’s significant, yet not too far from the standard deviation that happens naturally in a seasonal market.

Median Price Per Square Foot for San Francisco County Home Sales, 2012-2022
Price-per-square-foot has more than doubled in the last decade in San Francisco.

The question is, when does buyer demand rise to the occasion and snag a deal?

It’s already happening in the SF Bay Area real estate market. Quite a few buyers are hopping off the fence, many financing with a 5, 7 or 10-year ARM for their more attractive rates.

Rather than timing the market, our advice (as always) is to buy the best property you can, as soon as you can, and let the scarcity of Bay Area real estate work its magic for you over the long term. We’re here to help with the details.

When it comes to cars—famously NOT a great store of value—the market may yet have a long way to fall. Maybe it’s time for some new wheels? 

As always, please feel free to reach out with any real estate questions. We are happy and grateful to help you and anyone you send our way!

Warmly,
The Vivre Real Estate team


Bay Area Real Estate Updates

This article is an excerpt from our email newsletter. To get the next edition directly in your inbox, subscribe today for free!

Twice a month, you’ll receive our latest take on the market, local news, culture and events. We value your trust and privacy, so we never spam, nor sell or share your information.

Can one click change everything? Let’s find out. Click here to subscribe!


Off the Presses

Articles Featured in the Vivre Real Estate Newsletter

Philippe Delarue serves sweet slices of Paris in Outer Richmond, SF – SF Standard

The HGTV-ification of America – The Atlantic

Bay Area home owners are now mostly single women, outpacing men – SF Chronicle

The search for an AC that doesn’t destroy the planet – Vox


JOIE de VIVRE

Events, Community & Things We Love

Precious Cargo

First came the news of a tomato spill on I-80 between SF and Sacramento. Twenty-four hours later, alfredo sauce covered the I-55 in Memphis. We’re not saying there’s an Italian food conspiracy, but to those hauling pasta… stay sharp.

Ruff Life

“Woodchip-encrusted tennis balls. Sticks to fight over. Slobbery water bowls. Packs of socializing canines and humans. These are the marks of a great dog play area.” From the SF Standard: Ruff Life: The Standard Guide to San Francisco Dog Parks

A Wee Bit Country

This Labor Day weekend, hit the Monterey County Fair for country food, rides and fun. And/or… throw on your kilt and join the 156th Scottish Highland Gathering and Games, Sat/Sun at the Alameda County Fairgrounds!

Hi friends,

When the market starts to transition, it can happen quite abruptly. (Read Danielle’s quote on this and more in the SF Standard.)

The recent triple-whammy of rising mortgage rates, tumbling stocks, and fresh economic uncertainty has rapidly changed the calculus for anyone looking to buy property.

You might be wondering where you stand with respect to the market and your goals. If you have questions about your options, please don’t hesitate to reach out. We are here to consult on your situation and help make the best decision that’s right for you. That said, there is room for optimism in this real estate market.

For one thing, real estate isn’t the problem this time. Unlike back in 2007, today’s ratio of mortgage debt to disposable income is very low. A Great Recession-style crash is unlikely, though we already seem to be in some kind of correction.

And (this may sound crazy) mortgage rates are still pretty good. What do I mean? Well, in my 20+ years experience, buyers here in SF use ARM products far more often than the archetypal 30-year, fixed-rate loan. The average 5/1 ARM is closer to 4% right now—not too shabby.

We are not in the predictions business.

However, taking a cue from other corrections of the past 40 years, we might be due for a period of flat appreciation, or perhaps a price adjustment of 5–10%.

This is hardest on sellers who bought recently, with values back to what they paid, or in some cases even lower. It’s easier on longer-term homeowners who enjoyed 25% appreciation over the past half-decade.

We can’t tell you how to perfectly time the market (no one can, except by accident). But there are few who regret buying Bay Area real estate after 5 or 10 years.

Real estate is personal, so please don’t hesitate to reach out with questions. As always, we are happy and grateful to help you and anyone you send our way!

Warmly,

The Vivre Real Estate team


Bay Area Real Estate Updates

This article is an excerpt from our email newsletter. To get the next edition directly in your inbox, subscribe today for free!

We email twice a month with our latest take on the market, local news and insights, and zero spam. We value your trust and privacy, and we never sell or share your information.

Can one click change everything? Let’s find out… Click here to subscribe!


Off the Presses

Articles Featured in the Vivre Real Estate Newsletter

Five charts explaining why inflation is at a 40-year high – Washington Post

It’s official: Bay Area home values are finally going down – SF Chronicle

Why Mortgage Rates Matter For Cash Buyers Of Houses – Forbes

What’s Up With the Crazy Housing Market? – NYT


JOIE de VIVRE

Events, Community & Things We Love

Hayes Valley Carnival

Celebrating its 111th anniversary, the Hayes Valley Carnival is back this Saturday the 16th, 12–5pm with free performances by Circus Bella & The Prescott Circus Theatre. Event info here.

Manifest Equity

“The Intuitive Realtor-Healer, an agent in Wisconsin, offers to unblock your chakras and create in-home altars for manifesting in addition to a 40-acre piece of land in Prairie du Sac for $1.6 million.” Curbed: These are The Woo-woo Agents of Real Estate

Eating Fresh

Tired of the same old? For your dining and drinking pleasure, from Eater SF: the latest new SF and Bay Area restaurants and bars

Is San Francisco Bay Area real estate undervalued? Maybe.

At least, that’s what big-time analysis firm CoreLogic says in this ominously titled Fortune article: Keep an eye on these ‘overvalued’ housing markets as the housing boom implodes

It’s an interesting look at which of America’s housing markets may be over- or undervalued, and where home prices could fall this year. On both counts, the picture painted of SF Bay Area real estate is relatively rosy: Undervalued, with a low chance of prices falling.

Another analysis—this one by Moody’s—reports SF-Berkeley-Oakland homes as overvalued by 6%. Less optimistic, but still downright quaint compared to ludicrously hot markets like Austin, TX (41% overvalued), or Boise, ID (73%).

Ultimately, it comes down to what homes cost vs. what folks are willing and able to pay. In the last year, national home price growth (+20.6%) has far outpaced income growth (+4.8%). That alone is not sustainable, to say nothing of significantly higher mortgage rates.

In the SF Bay Area, an abundance of wealth, good-paying jobs, and less “pandemic relocation / home buying mania” has helped to moderate the market, but we are seeing some cooling effects here too.

Realistically, some local real estate may be undervalued, and some may be overvalued. Generalizations like those in the articles above, even from two of the biggest research firms around, only go so far.

In this complicated market, experience and tenure matter. Over 20 plus years, we’ve navigated the undulating and sometimes rocking waves of SF real estate. It’s not our first rodeo, and we are here to guide you.

As always, the best time to buy, sell or both is when it makes sense for you. If you have a question, or if you or someone you know can benefit from trusted real estate advice, please don’t hesitate to contact us.

We are happy and grateful to be of service!

Warmly,
The Vivre Real Estate team


Bay Area Real Estate Updates

This article is an excerpt from our email newsletter. To get the next edition immediately in your inbox, subscribe today for free! We email twice a month with our latest take on the market, local news and insights, and zero spam. We value your trust and privacy, and we never sell or share your information.

Ready? Click here to subscribe!


Off the Presses

Articles Featured in the Vivre Real Estate Newsletter

What Goes On Behind the Cameras at Home Makeover Shows? – NYT

Data shows home prices still skyrocketing in migration hotspots – but not in this CA city – SF Chronicle

A House With ‘Good Bones’? ‘Original Details’? It Could Be a Complete Wreck. – NYT


JOIE de VIVRE

Events, Community & Things We Love

LGBTQ+ Film Fest

The longest-running, largest and most widely recognized LGBTQ+ film exhibition event in the world returns June 16–26. See what’s playing and get tickets for the San Francisco International LGBTQ+ Film Festival.

Juneteenth Block Party

Saturday, June 18 from 11am–6pm, the Fillmore is transformed into eight city blocks of Freedom Celebration. Family-friendly entertainment includes a Ferris wheel, pony rides, soul food, car show, and even an obstacle course. Register free.

North Beach Festival

Claimed as the country’s first free street fair, the North Beach Festival is now in its 66th year. Visit on June 18 and 19, 10am–6pm, for a slew of vendors and tasty food, Italian street art, live music and more.

Hi friends, what do you think… worth it?

NBC News: Home that sold for $805K comes with stranger living in basement

Maybe the most surprising thing about this national headline is that it DIDN’T come from the Bay Area. (Score one for the home team!)

What’s no surprise at all is buyers going to great lengths for the home they want. As we covered last week, higher mortgage rates are not likely to stem the rising tide of home prices or unearth a trove of listing supply.

In fact, higher rates will probably make our supply problems worse, as illustrated by this short but powerful piece from Axios. With 90% of existing U.S. mortgages at a rate below the current ~5% average, many would-be sellers may choose to stay put rather than finance another home.

If you are ready to buy in this competitive market, you might think that your best weapon is a big bag of cash. Cash offers are certainly enticing to sellers, but would you be surprised to know that they are only a small portion of buyers?

The real secret weapons, for any buyer, are:

  1. Working with a top agent in your market who has a great network and reputation.
  2. Getting fully pre-approved with a local lender who also has a great network and reputation. (In practice, these things matter a lot!)
  3. Being realistic. Have your goals match your budget. For help with this, refer to points 1 and 2.

Real estate remains a great hedge against inflation, and as we pointed out last week, everything is relative. There are still very desirable rates available to qualified buyers. Most importantly, time is on your side.

For 20 years, my adage has been: Buy the best home you can, in the best location as you can, as soon as you can. Then let the scarcity of land in the SF Bay Area do the rest for you over time.

If you want to sell your home and buy another, as is often the case, we can help with that too! For a start, check out our recent blog: 5 Steps to Selling a Home & Buying Another.

Wherever you are starting from and wherever you want to go, you do have options—and they don’t include buying a home with a stranger in the basement… unless you’re looking for new friends.


Bay Area Real Estate Updates

This article is an excerpt from our recent email newsletter. To get the next edition directly in your inbox, subscribe today for free! Our twice-monthly newsletters are always custom created and curated—and never spammy. We highly value your privacy, and we never sell or share your information.

Ready? Click here to subscribe!


Off the Presses

Articles Featured in the Vivre Real Estate Newsletter

Why homeowners aren’t selling – Axios

Home that sold for $805K comes with stranger living in basement – NBC

Why Bay Area housing prices are unlikely to drop despite climbing mortgage interest rates – SF Chronicle

Bay Area homes are increasingly bought as trusts. Here’s why it matters – SF Chronicle


JOIE de VIVRE

Events, Community & Things We Love

Victorian Guardian

For nearly 4 decades, artisan Lorna Kollmeyer has been a keeper of SF Bay Area Victorian architecture, creating unique plaster adornments found nowhere else in the city. Read her story and visit her Hunter’s Point shop open to the public April 30 & May 1.

Free Days at MoAD

At the Museum of African Diaspora, admission is free on the last Saturday of every month starting this weekend. Register and preview the exhibits at moadsf.org.

Waste Not, Want Not

“Food loss and waste accounts for 170 million metric tons of carbon dioxide equivalent greenhouse gas emissions, roughly the annual CO2 emissions of 42 coal-fired power plants.” SF startup Replate turns surplus food into meals for the homeless.

Mortgage rates are up sixty percent since the start of the year.

For a homebuyer crunching the numbers, the difference between three and five percent interest is considerable.

Yet, so far, the real estate sky is not falling. Why?

Two things, if you’ll allow us to postulate.

First is that our severe lack of supply remains the dominant force in the market. To dethrone the long-reigning champ of Bay Area housing trends, it seems it will take more than 5% mortgage rates—maybe a whole lot more.

Which gets to a second point: it helps if you zoom out.

Historical Perspective on Mortgage Rates

Here’s the national average so far in 2022 on a 30-year, fixed-rate loan via Freddie Mac’s Primary Mortgage Market Survey®.

Here’s the same chart of the last 50 years.

Rate hikes are not inconsequential. As rates move, homebuyers must adjust their expectations accordingly. This is not what most consider a fun talk at the dinner table.

But, on a macro scale, we could do worse. We have done worse. In fact, we were in about the same spot less than five years ago.

The last time rates neared five percent was November 2018. That month, the median SF home sale price was up three percent year-over-year. Then up another five percent a year later.

Over the long term, SF Bay Area real estate has been a pretty safe bet. If you expect rates to go higher, the smart choice may be to buy sooner rather than later. Many buyers are doing just that. And ask your friends who have owned their homes for a few years how often they have refinanced. Personally, we’ve refinanced 2 times in the past 4 years on our primary residence.

Whether you are crunching the numbers yourself or just here for the real estate banter, rest assured that the sky, for now, is still above our heads. 

If you are in one of these categories, or if you plan to be (by gracefully aging, as one does), then head to our sister blog for a deeper dive on Prop 19. And definitely check with a CA real estate attorney or tax advisor before you make any serious moves!

As always, please don’t hesitate to reach out with any real estate questions. Contact us here!


Bay Area Real Estate Updates

This article is an excerpt from our recent email newsletter. To get the next edition directly in your inbox, subscribe today for free! Our twice-monthly newsletters are always custom created and curated—and never spammy. We highly value your privacy, and we never sell or share your information.

Ready? Click here to subscribe!


Off the Presses

Articles Featured in the Vivre Real Estate Newsletter

How Rising Mortgage Rates Are Affecting the Housing Market – NYT

Is it better to rent or buy a home in the Bay Area’s biggest cities right now? – SF Chronicle

Google will invest billions in California, Bay Area gets big chunk – Mercury News


JOIE de VIVRE

Events, Community & Things We Love

Dogfest 2022

A celebration of dogs, families, community, and spring in San Francisco, DogFest is back *in person* this Saturday 4/23, 11am-4pm at Duboce Park! See all the events and vendors.

Art Market

April 21-24, San Francisco’s premier art fair returns to Fort Mason Center with 80 galleries and artists from around the Bay and the globe. Fair passes are $50, or pick a day for $25. Visit artmarketsf.com.

SF Film

April 21-May 1, the San Francisco International Film Festival kicks off its 65th year as the longest-running event of its kind in the Americas, with over 130 films and events from 56 counties. Get tickets at sffilm.org.

Pacific Heights Luxury Condo For Sale

Here’s my latest Deal of the Week home for sale in San Francisco, a gorgeous luxury condo on the top floor of a Queen Anne Victorian in an A+ Pacific Heights location!

If you are looking to buy a luxury condo in Pacific Heights, this is definitely worth a look (or two… or a showing… and then an offer!). The classic Queen Anne Victorian building is a timeless architectural beauty, while thoughtful updates inside the unit provide every modern amenity you’d expect from a luxury Pac Heights condo. I think you’ll love it.

Key Details

My Highlights

If you are interested, just contact me and I will get you all the details!

Want to buy or search luxury condos for sale in Pacific Heights, San Francisco? Have a property to sell and want to work with the best real estate agents in Pacific Heights? We can help! Our experienced team of Pacific Heights Realtors has a long and proven track record as negotiations experts in Pacific Heights and the greater Bay Area, with hundreds of 5-star San Francisco Realtor reviews.


Don’t Miss a Beat

Sign up for the Vivre Real Estate newsletter to receive twice-monthly updates and insights on all things real estate, culture, events and more in the San Francisco Bay Area. We never sell or share your information.

Click here to subscribe!


The Deal of the Week is provided by Danielle Lazier and Vivre Real Estate as a member of the San Francisco Multiple Listing Service. Vivre Real Estate is not the listing agent. This is not a solicitation of any active listing. This is a throwback to the aughts when Danielle launched her business with the SFhotlist blog, showcasing the best listings and opportunities for her network of home buyers and interested parties.

In historical terms, our job as San Francisco Bay Area Realtors has not been around long.

Real estate brokers first popped up in New York (or maybe Chicago) around the mid-19th century. The first iteration of the National Association of Realtors was founded in 1908.

The tenure of women in real estate has been even more brief. There were no women in the NAR to begin with, and as of 1975 women made up just a third of its members.

How times change!

Today, nearly two-thirds of Realtors are women, and the proportion of single-woman homebuyers more than doubles that of single men nationwide.

There are so many amazing women in our industry, with whom we are proud to share, learn, compete and collaborate.

In celebration of International Women’s Day this week, enjoy some more historical tidbits in this article from Bankrate: A Woman of Property.

As always, please feel free to reach out with any real estate questions. We are happy and grateful to help you and anyone you send our way!


Bay Area Real Estate Updates

This article is an excerpt from our recent email newsletter. To get the next edition directly in your inbox, subscribe today for free! Our twice-monthly newsletters are always custom created and curated—and never spammy. We highly value your privacy, and we never sell or share your information.

Ready? Click here to subscribe!


Off the Presses

Articles Featured in the Vivre Real Estate Newsletter

Own a Rental Property? Why Filing Your Taxes This Year Rules – Realtor.com

Court upholds San Francisco’s real estate transfer tax – SF Chronicle

Move to “right-sizing” changes commercial real estate landscape in San Francisco – Marketplace


JOIE de VIVRE

Events, Community & Things We Love

Borsch: It’s What’s For Dinner

Hungry? Why not support San Francisco’s only Ukrainian restaurant, Pushkin! Make a reservation at PushkinSF.com, or stock up on locally made dumplings and piroshki at their Dumpling Store. (Not hungry? See this helpful list of ways to contribute to humanitarian efforts in Ukraine.)

Oakland’s White Elephant

What’s old is new again at the 63rd annual White Elephant Sale. Organized by the Oakland Museum Women’s Board, the beloved rummage sale event is back for three weekends in March and a final blowout sale in April. (Reservations required.)

Get Out and Play

Registration is open for the SF Recreation & Parks spring programs! Dancing, crafts, art, sports, socials—there’s a little something for everyone at any age. View the 2022 Spring Programs Catalogue here.

It’s been an eventful few years, but the biggest factor driving SF Bay Area real estate happened long, long ago.

Way, way back in SF Real Estate

It was about 650,000 years ago, in fact, when movement of the Pacific and North American plates created the San Francisco Bay, and our geologic circumstance was set in stone.

The absolute scarcity of land makes real estate a particularly desirable asset in uncertain times. Many see real estate as a hedge against inflation and a solid long-term investment with bonus tax advantages.

So, despite rising mortgage rates, inflation, a pandemic, and even geopolitical conflict… it’s not a big surprise that real estate market indicators remain strong in the Bay Area.

Buyer demand is still high, listing supply is still limited, and a huge amount of investment capital is still out there looking for a home.

Oh, and we’re not getting any more land.

The rocks beneath the Presidio are 100+ million years old.

Want a sure thing in uncertain times? Just step outside… and look down.

As always, please don’t hesitate to reach out with any real estate questions. We are happy and grateful to help you and anyone you send our way!


Bay Area Real Estate Updates

This article is an excerpt from our recent email newsletter. To get the next edition directly in your inbox, subscribe today for free! Our twice-monthly newsletters are always custom created and curated—and never spammy. We highly value your privacy, and we never sell or share your information.

Ready? Click here to subscribe!


Off the Presses

Articles Featured in the Vivre Real Estate Newsletter

Despite $405 Million Write-Down, Zillow Is Just Fine – Curbed

Where San Francisco ranks on homes selling over asking price compared to other cities nationwide – SF Chronicle

Will Rising Rates Bring Balance to the Housing Market? – First American Title


JOIE de VIVRE

Events, Community & Things We Love

Building the Impossible

We’ve been fans of TED Talks since they first came online in 2006. Their latest animated short explores the big decisions—and bigger logistics—behind San Francisco’s most iconic landmark. Watch it on YouTube.

Sunday Streets

What’s stopping you from dancing in the streets? This year: nothing. Sunday Streets SF block parties are returning in 2022 to transform miles of streets into lively, car-free community spaces, starting in the Tenderloin on April 10th. Learn more on their website.

Orchid Expo

Houseplants are in vogue like nobody’s business, and nothing makes an impression like a colorful and fragrant orchid. This weekend, visit the 69th Annual Pacific Orchid Exposition at the SF County Fair building to get some for yourself and learn care tips from the experts.

Bernal Heights Victorian Luxury Home for Sale

Here’s my latest Deal of the Week home for sale in San Francisco, a rare, spacious Victorian luxury home in desirable north Bernal Heights!

If you are looking for a luxury Victorian home in the vibrant north Bernal Heights neighborhood, this one is hard to beat.

Key Details

My Highlights

If you are interested, just contact me and I will get you all the details!

Want to buy or search luxury homes for sale in Bernal Heights, San Francisco? Have a property to sell and want to work with the best real estate agents in Bernal Heights? We can help! Our experienced team of Bernal Heights Realtors has a long and proven track record as negotiations experts in Bernal Heights, San Francisco and the greater Bay Area, with hundreds of 5-star San Francisco Realtor reviews.


Don’t Miss a Beat

Sign up for the Vivre Real Estate newsletter to receive twice-monthly updates and insights on all things real estate, culture, events and more in the San Francisco Bay Area. We never sell or share your information.

Click here to subscribe!


The Deal of the Week is provided by Danielle Lazier and Vivre Real Estate as a member of the San Francisco Multiple Listing Service. Vivre Real Estate is not the listing agent. This is not a solicitation of any active listing. This is a throwback to the aughts when Danielle launched her business with the SFhotlist blog, showcasing the best listings and opportunities for her network of home buyers and interested parties.

It has not been the easiest time for home buyers.

A recent piece from the New York Times details how, “[f]or nearly two years, home buyers have been shopping in conditions ripe for regret.“

Examples include:

Such stories are increasingly common in a market ruled by rising prices, fierce competition and slim pickings of homes for sale.

Which brings us to Exhibit B, from The Atlantic: When Will Be a Good Time to Buy a House?

The Best Time to Buy a Bay Area Home

In short, the pandemic only exacerbated the preexisting housing shortage. While mortgage rate hikes and buyer burnout may temper the rise of home prices this year (see our 2022 Market Predictions blog), the underlying supply issues aren’t going away.

In other words: Don’t hold your breath for a dramatic market reversal (at least here in the Bay Area and other highly desirable locations).

So, what IS the best way for a happy outcome as a home buyer?

The NYT article shares a success story too, about a Brooklyn woman who established firm priorities—location and budget, in her case—and where she was willing to compromise.

Knowing your limits, and partnering with an experienced and trusted real estate advisor to help you stick to them as you navigate the market, is the key.

That’s what we’re here for.

If you have a story about this real estate market, we’d love to hear it. Just reply!

And as always, please feel free to reach out with any real estate questions. We are always happy and grateful to help you and anyone you send our way!


Bay Area Real Estate Updates

This article is an excerpt from our recent email newsletter. To get the next edition directly in your inbox, subscribe today for free! Our twice-monthly newsletters are always custom created and curated—and never spammy. We highly value your privacy, and we never sell or share your information.

Ready? Click here to subscribe!


Off the Presses

Articles Featured in the Vivre Real Estate Newsletter

They Rushed to Buy in the Pandemic. Here’s What They Would Change. – NYT

When Will Be a Good Time to Buy a House? – The Atlantic

One home, 1,200 potential buyers: The Bay Area’s daunting real estate math after COVID – SF Chronicle


JOIE de VIVRE

Events, Community & Things We Love

Peak Bloom

Roses? Old news. This Valentine’s Day, stop and smell the magnolias. The next two or three weeks are “peak bloom” for one of San Francisco’s most alluring natural attractions. See more info at our fave SF events resource, Funcheap, and visit the SF Botanical Garden website for tickets.

Superb Bowl

Whether you’re in it for the game, the grub or the commercials, the Super Bowl is basically a national holiday. (Pro Tip: For those who don’t care, it’s a great time to run errands.) Still looking for that perfect game-day recipe? See this throwback from the Chronicle: 19 favorite San Francisco Chronicle Super Bowl recipes

Lowering the Bars

“‘Licenses go where the customers are,’ CEO of Future Bars Group Brian Sheehy said. ‘And the customers-for the past years-have not been downtown.'” Another from the Chronicle, reflecting our shifting neighborhood dynamics: The geography of San Francisco’s bars is changing

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