2021 Home Buying Advice


Here is the best advice you can get on buying a home in 2021...



  1. Elen Paumere says

    Thank you, great informative video as usual. In NY many Landlords waited on eviction proceed to sell the houses. They are tiered of non paying rent and harassing tenants.

  2. Marti L Eller says

    My husband and I are disabled senior citizens and we are trying to get set up on the Government’s $17,500 downpayment program for first time buyers. Do you have any advice on how to get that done in Clute,TX?

    • Phil Pustejovsky says

      I don’t think that exists although it has been proposed. I doubt it will happen with the extreme lack of inventory; especially affordable houses.

  3. George Frazier says

    No bull shit straight to the ground of things ! How do I get my first rental or flipped house doing exactly what step for step . I have a 700 credit score got a few grand put up ‘ but would like the other people money method and no credit if possible. I been procrastinating for a long time . I want you to mentor me and give me the laid out blue print I’ll get off my ass cause I am a hustler and I’m tired of working for other folks ! If I have to pay you cool ‘ I’m not a video or work shop kind of guy a need it raw and uncut no chaser, I be skeptic about every dam thing on YouTube like everyone trying to sale me shit . But I came to the conclusion ain’t nothing free but to call the police ‘ so if you can help me let me no !

  4. Wonderful video Phil!
    Excellent information…how to handle it.
    We where about to sell our home and property, but have decided to holdout. We don’t want to be forced to purchase a new one….with the market as it is now.

    Take care,

  5. Calinda Gamble says

    Can i buy house not money down use othet people money is that good ideal

  6. Thomas Patterson says

    How can I get my first deal with no money for emd as people are now asking for 3k to 9k upfront and my credit is 500 , my business credit is new with no history or revenue pushed through my business account and my bank account is hatch bank online banking

  7. Christopher Costello says

    How do I get your free copy of investing in real estate thank you

  8. Jeffrey Shepherd says

    Hi , my name is Jeffrey Shepherd , and this is my first time buying a new house , I need advise on point

  9. Thank you for the tips of buying in 2022 and 2021. I am a first time buyer/ owner. My big problem in buying a home and be pre-qualified is my FICO Score of 589 because of my Old Deliquent History (5) yrs ago, Loan, Credit Card and Student Loan (still paying). I have a good job with 80K income annually plus 401K with 30K savings, HSA insurance with guaranteed 8K when I decided to retire next yr 67 yrs old. Do I have to wait 2022 for better selection of single fam home with (2) bed & 2 bath plus (2) garage here in Tustin, CA? I had some Listings at 300K Condo in Santa Ana, CA given by my agent. Thank you

  10. Great video!! I was shocked to see that you didn’t mention investing in tax sale properties. What is your view on that market?

    • Phil Pustejovsky says

      Those are “ON-Market” in my opinion. All kinds of competition from investors far more funded than you. You can join that dog fight if you like.

  11. Hey Phil!!!
    Good afternoon! thank you so much to put together this video!
    I love to watch your videos when they come out. They are so so educational. I have learned a lot from them. The way you explain things and how much enthusiasm you put into these videos is very special–lovely!!. Keep it up. It gives a lot of positive energy to the audience.
    Question: I am curious to know if you ever had or will ever do a video on how to locate, buy, develop, build a home of your own desire on a piece of land/lot. Would really appreciate that.
    Best of luck to you and have a great weekend.

    • Phil Pustejovsky says

      Don’t build. Buy existing. I have videos explaining why you should build from the ground up, but instead, should buy existing (and remodel if you want to customize it). Especially now, with material costs as high as they are. Buy existing.

  12. Barry Delfosse says

    Hi Phil, We’re fixing our condo to sell and it’s worth about 450 to 500 thousand. We like South Carolina for home prices and taxes. We can do airb&bs for awhile. I’m interested in filpping some also.

  13. I don’t have enough money now to buy a normal house but I think that a mobile home what do suggest me.

  14. We binge watched Phil videos when selling our 1st home which set us up for successfully renting then buying our next home. Now we are happily settled and still listening to what Phil has to say.

    The advice in this video is fantastic and we will be sharing with family who are looking to buy right now.

    Thank you Phil, your passion for real estate done right is such a blessing to others!

  15. Most honest advice I’ve heard yet!!

  16. Frankie Holland says

    Thanks so much for taking out your time to break all the hipe about buying a home in 2021. I would say I’m pretty versed on all the reasons you gave not to buy and wait until 2022. I currently have a home. I bought it before the pandemic in 2018 when the market was good for buyers and I managed to snag a motivated seller. With that said, what advice would you give to someone like me who’s thinking about selling in the future?

    • Phil Pustejovsky says

      Line up your new home, move into it, and then sell your current one. That’s what my brother did. He listed his old home today and has 5 offers as of right now.

  17. I found my dream retirement home on 2.78 acres with a nice size creek running through the back of it. 3 bd 2 ba with 18×12 loft and a garage. Seller is asking 169,000 cash only as the property was left in a will. I would like to purchase more land surrounding in the future and turn it into a water park of sorts. I have property in the city that I could pull $1500 month in rent with no overhead except property tax yearly.

    • Phil Pustejovsky says

      Don’t buy it unless you can get title insurance. And if you can get title insurance, you can get a loan to purchase it.

  18. I did my first flip in the mid nineties. Market was what would be considered normal with average days on market, etc. Now just about all the listed houses have an offers day scheduled by the listing agent. Every house Ive seen in the last 6 months has had an offers day and drew many many offers. No such thing as being first there and getting the house quickly. I believe its virtually impossible to make money as an investor in this market in Winnipeg, Canada right now. Like Phil said people a way over-paying for even houses in poor repair. Very skeptical off market purchasing is really much of a thing here.

  19. Pamela Combs says

    I love watching your videos! My husband I bought an acre in Florida I Dec with the intention of building a home there. Well, wood has tripled and metal is not only getting more expensive, but the kits are on back order. Our home in Maryland is almost ready for Market, but we don’t know if we should take the money and rent until prices go down or wait to sell. My husband and I will be building the home with the help of subs. I’m afraid that if we wait to sell, the economy will crash and there goes our profit. It happened in 2009. What would you do?

    • Phil Pustejovsky says

      I would be very slow to build right now. Material costs may come down in a year or two. Meanwhile, your current home will most likely go up in value. This is NOT 2009.

  20. Aloha Phil may I say this was Very informative. I’m building a home and once complete (final inspection) want to sell and move. I was worried constantly that it wasn’t happening fast enough in the work here also due to the massive shortage, having to move fast and compete against other buyers etc etc. worried I’d get stuck out here in paradise haha. My question – in your View how does the unheard of Jump in price of building materials (along with shortages and delays) affect this future scenario ? That is bound to cause some issues as well I would think.

    • Phil Pustejovsky says

      The rapid rise in building materials has reduced builders activity which has further exacerbated the low inventory levels. Furthermore, it has driven demand for existing homes because home builders have to price their new builds much higher than even a few months ago.

  21. Are these advices also valid for canadian market? Great Toronto Area?

    • Phil Pustejovsky says

      The lack of inventory, yes. But I am not aware of the legislation such as an eviction or foreclosure moratorium.

  22. Paul swift says

    Thankyou for that allready got approved for 450
    But what can you really buy in california? Wanted to buy a home out in south carolins rent it 2 years then move out there what you think? Am 64 in ajob dont like live in a mobilehome right now just getting by like to get some rentals but dont know how.help what you think of multifamily?

    • Phil Pustejovsky says

      In California, you can’t buy much for $450,000. But in South Carolina, you would have plenty of options. Buying, living in it for 2 years, and then moving on, is a great strategy for saving on long term capital gains.

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