In this crazy housing market, we need all the help we can get. Depending on the price range, 40 offers is not unlikely on a super cute, dialed-in home. And winning that race means you're likely paying all cash at well over asking price.

What's a normal person who needs conventional financing to do? Well, keep trying. Our hope is that inventory will begin increasing closer to summer - when it's easier for families to move.

Or perhaps you can use your imagination with a house that needs a little work. Not the handy type? Consider a renovation loan - where you can lump the price of the renovations (everything from major structural issues to kitchen remodels to cosmetic upgrades like paint - or even new appliances).

How does it work? In simple terms, you get a loan which covers the price of the house + the renovations (which will include a 10-20% contingency). The appraisal is based on the value of the home AFTER the renovations. I've heard of a couple adding an ADU and increasing their equity by about $50K (and having their renter pay for almost 50% of their mortgage).

Need help with finding this dream home? Call me, I'd love to help realize your vision.