How to Make Your Offer Stand Out in a Competitive Real Estate Market

Tips to Beat Out Investors, Cash Buyers, and Other Bidders Without Giving Up Key Protections

If you’ve been home shopping lately, you’ve probably felt it — the market is tough. With limited listings and plenty of competition, it’s not uncommon for buyers to have their offers rejected over and over again. Especially when you're up against investors or all-cash offers, it can feel like you’re always a step behind.

But the good news? You don’t need to waive your inspection or give up all your contingencies to win. There are smart, strategic ways to make your offer rise to the top.

Here are three powerful ways to stand out, even in a crowded market:

1. Consider a Purchase-Rehab Loan

Most buyers focus on move-in-ready homes — which means those slightly run-down listings get overlooked. That’s where purchase-rehab loans come in.

Bruce Marks, CEO of the nonprofit NACA (Neighborhood Assistance Corporation of America), suggests buyers explore this lesser-known option. With a purchase-rehab loan (like the FHA 203(k)), you can:

• Buy a fixer-upper for a lower price

• Borrow extra money to fund repairs or upgrades

• Customize the home to your style

• Avoid the herd of traditional buyers and investors

Sure, it may take a little extra paperwork and coordination with contractors, but in return, you’re entering a less competitive lane of the market — and potentially scoring a better deal.

2. Beef Up Your Earnest Money Deposit

Want to show a seller you’re serious? Put your money where your mouth is.

Typically, earnest money (aka “good faith” money) is 1–3% of the home’s purchase price. But offering a little extra can set you apart.

💡 Example: Instead of offering $5,000 on a $500,000 home, try $6,500 or more.

According to real estate coach Lee Davenport, this small move can make a big impression — especially when you're up against investors who often offer as little as $500 in earnest money. It tells the seller, “I’m committed. Let’s close this deal.”

3. Tap Into Local and Statewide Down Payment Assistance

This is a game-changer most buyers overlook. Many cities, counties, and the state of California offer generous down payment assistance — sometimes in the tens of thousands.

Here are a few California-specific programs worth knowing:

🌟 CalHFA MyHome Assistance Program

• Deferred-payment loan for down payment or closing costs

• Up to 3.5% of the purchase price (FHA) or 3% (conventional)

🌟 CalHFA Forgivable Equity Builder Loan

• Provides up to 10% of the home’s purchase price

• Forgiven after 5 years if you stay in the home

🌟 GSFA Platinum and Golden Opportunities

• Offers up to 5–5.5% in assistance

• Available for both first-time and repeat buyers statewide

• Can be used with FHA, VA, USDA, or conventional loans

🌟 Local City & County Programs

Many local governments offer their own support:

• Pleasanton – Up to $100,000 in assistance

• San Diego County – Programs through HCDS

• Los Angeles County – LIPA and HOP programs

• Also available in Monterey County, Orange County, Santa Ana, San Francisco, Brentwood, Emeryville, and more

💡 These programs can boost your buying power, help you qualify for better loans, and make your offer stronger — without costing you extra upfront.

Final Thoughts

In today’s market, you don’t need to outspend everyone — you just need to outsmart them.

Whether it’s choosing the right type of loan, showing stronger commitment with your deposit, or leveraging California’s down payment resources, the right strategies can help you rise to the top — without giving up the protections you deserve.

Ready to make your move? Reach out for personalized guidance and access to these programs. I’m here to help you win — and own — your next home.