Possibly. You need enough documented liquid funds, lender approval, and reserves without relying on restricted shares that cannot be sold before closing. Your lock-up terms, trading windows, loan structure, and tax plan should be reviewed before you write an offer.

Some lenders may count RSU income if there is sufficient vesting history, documentation, and expected continuance. Policies vary by lender, loan type, and borrower profile, so equity-compensated buyers should speak with a lender experienced in RSU income before making offers.

That depends on your tax plan, lender requirements, stock concentration, lock-up status, and comfort with market risk. Many buyers benefit from discussing the sale plan with a CPA, financial advisor, and lender before choosing an offer timeline.

Taxes can reduce the cash available for down payment, closing costs, reserves, and planned improvements. RSUs, stock options, and stock sales may have different federal and California tax consequences, including withholding, capital gains, and AMT considerations for certain option strategies. Buyers should estimate after-tax liquidity with their CPA or tax advisor before setting a San Francisco purchase budget.

There is no single “best” San Francisco neighborhood for tech professionals after a liquidity event because there is no typical tech buyer. Office location matters, but so do weather, schools, walkability, space, lifestyle, and long-term plans. Some buyers want sunshine, cafés, and an easy commute; others are comfortable with fog if it means more space, better school access, or a quieter residential feel. The best neighborhood is the one that supports the life you want to live, not simply the shortest commute. Team Howe helps buyers think through those tradeoffs and compare neighborhoods with the benefit of nearly two decades of local San Francisco experience.

Not always. A liquidity event can improve buying power, but the right timing depends on after-tax cash, job stability, market conditions, property fit, and whether the buyer can remain comfortable after closing.