Sheryl A Smith, Realtor

Sheryl A Smith, Realtor Referral network available statewide. Smith Real Estate Services, Inc. Broker DRE #01381095

Sheryl A Smith, Realtor
California Licensed Real Estate Broker | DRE #01381095
Serving Rancho Cordova, Folsom & Gold River
Guiding homeowners through their next chapter with strategy and care. is a full service real estate brokerage firm in Gold River, CA that serves the Greater Sacramento Region.

Want to know the original house hack? Buy a duplex, triplex, or small multi-family. Live in one unit. Rent out the other...
06/12/2026

Want to know the original house hack? Buy a duplex, triplex, or small multi-family. Live in one unit. Rent out the others. It’s been working for decades — and it still does in 2026.

FHA loans allow you to buy properties with up to 4 units with as little as 3.5% down, as long as you live in one unit. Veterans can use a VA loan with zero down. And Freddie Mac’s Home Possible program allows qualified buyers to put down just 3%.

The financing options are more accessible than most buyers realize. For those willing to share a property line with their tenants, the income potential is typically higher than an ADU, and the strategy is time-tested. If you’re serious about house hacking, don’t overlook the classic approach.

https://sherylsmith.myagent.site/house-hacking-in-2026-what-the-hype-got-wrong-and-what-actually-works/

Folsom inventory continues to rise giving buyers more options. Sellers, this means pricing your home competitively matte...
06/11/2026

Folsom inventory continues to rise giving buyers more options. Sellers, this means pricing your home competitively matters especially now.

Homeowners in Folsom often ask what’s happening in today’s market.

Every neighborhood behaves a little differently, which is why local insight matters.

https://smithrealestateservices.net/sell/folsom/

Multi-generational home buying hit a record high in 2024. 14% of all home purchases were multi-generational. Gen X buyer...
06/10/2026

Multi-generational home buying hit a record high in 2024. 14% of all home purchases were multi-generational. Gen X buyers led the way at 19%. 👨‍👩‍👧‍👦

This isn’t a trend. It’s a structural shift.

Among multi-generational buyers, 41% said the primary reason was to care for or support aging parents, the highest share since tracking began in 2015. Another 23% wanted to spend more time with their parents. For Gen X especially, who are often supporting both aging parents and adult children, a home designed to accommodate multiple generations solves several problems at once: caretaking, privacy, and cost.

House hacking doesn’t always mean renting to strangers. Sometimes it means sharing a home, and the costs, with the people who matter most.

https://sherylsmith.myagent.site/house-hacking-in-2026-what-the-hype-got-wrong-and-what-actually-works/

06/06/2026

Why do some homes attract strong interest immediately while others sit for weeks?

In today’s market, buyers compare homes instantly online. Pricing matters, but so do presentation, condition, photos, and overall buyer confidence.

The homes that sell most successfully are usually the homes that reduce hesitation before buyers ever walk through the door.

If you’re thinking about selling in Rancho Cordova, Folsom, Gold River, or nearby Sacramento-area communities, preparation and strategy matter more than ever.

Read my newest blog article to learn more about what buyers are really noticing in today’s market.

https://smithrealestateservices.net/why-some-homes-sell-quickly-while-others-sit-on-the-market/

Accessory Dwelling Units (ADUs) have become the gold standard for house hacking in 2026, and there’s a reason why. 🏠As o...
06/05/2026

Accessory Dwelling Units (ADUs) have become the gold standard for house hacking in 2026, and there’s a reason why. 🏠

As of March 2026, Fannie Mae allows lenders to count projected ADU rental income toward your mortgage qualification, up to 30% of your total qualifying income. That means the income potential of an ADU can help you qualify for a home you otherwise couldn’t afford.

ADUs include:
🔹 Detached backyard cottages
🔹 Converted garages
🔹 Basement suites with separate entrances

They’re increasingly legal, financially supported, and proven in the rental market. If affordability is your biggest barrier to homeownership, an ADU-eligible property might be the solution.

https://sherylsmith.myagent.site/house-hacking-in-2026-what-the-hype-got-wrong-and-what-actually-works/

It’s exciting to see continued investment in families and education in our community. FCUSD’s Board recently approved th...
06/04/2026

It’s exciting to see continued investment in families and education in our community. FCUSD’s Board recently approved the District’s next elementary school in the Folsom Planning Area – Rocky Ridge Elementary School.

Strong schools are one of the many things that help make communities stronger for the long term, and it’s encouraging to see thoughtful planning for future growth in Folsom.

If you’d like to follow along or learn more, here are the links:
Facebook: https://www.facebook.com/foundation4fcschools
Instagram:
Website: https://www.folsomcordovafoundation.org/

06/03/2026

House hacking isn’t about living for free — it’s about making homeownership possible when it otherwise wouldn’t be. In 2026, the strategy is less about eliminating a mortgage payment and more about engineering one you can actually afford. 🏡

Here’s what’s working:

✅ ADUs (accessory dwelling units) — Fannie Mae now lets buyers count projected ADU rental income toward mortgage qualification, up to 30% of total qualifying income

✅ Multi-generational homes — 14% of all home purchases in the last year were multi-generational, with Gen X leading at 19%

✅ Small multi-family properties — FHA loans allow up to 4 units with just 3.5% down if you live in one

✅ Realistic expectations — If rental income cuts your $3,800 payment down to $2,200, that’s a win

The math has to work. The zoning has to be legal. And the lifestyle has to fit. But for the right buyer, house hacking can turn a closed door into an open one.

https://sherylsmith.myagent.site/house-hacking-in-2026-what-the-hype-got-wrong-and-what-actually-works/

Why do some homes sell quickly while others don't is one of the most common questions sellers ask today.Price is only pa...
05/30/2026

Why do some homes sell quickly while others don't is one of the most common questions sellers ask today.

Price is only part of the picture. Buyers decide fast online based on photos, condition, presentation, pricing strategy, and overall confidence in the home. That first impression often determines whether they book a showing or move on.

In today’s Sacramento-area market, early momentum is key. Homes that sell quickly create clarity and urgency, while longer listings often create hesitation due to pricing, presentation, or strategy.

If you’re considering selling in Rancho Cordova, Folsom, Gold River, or nearby areas, read the full blog:
https://smithrealestateservices.net/why-some-homes-sell-quickly-while-others-sit-on-the-market/

If you’re thinking about selling your home, you’ve probably heard the term “months of supply” thrown around. But what do...
05/29/2026

If you’re thinking about selling your home, you’ve probably heard the term “months of supply” thrown around. But what does it actually mean?

Months of supply measures how long it would take to sell all available homes at the current sales pace. It’s one of the clearest indicators of whether we’re in a buyer’s or seller’s market.

Here’s the breakdown:
– Less than 5 months = Seller’s market (low inventory, more competition among buyers)
– 5-6 months = Balanced market
– More than 6 months = Buyer’s market (more inventory, buyers have negotiating power)

Right now, inventory levels are rising in many markets across the country. According to recent NAR data, we’re seeing a shift from the extreme seller’s market of the past few years. This means pricing strategy, home preparation, and timing matter more than ever.

If you’ve been waiting for the “perfect time” to list, understanding these metrics can help you make a more informed decision about your specific situation and local market conditions.

Call/text/email us at (916) 472-0103 or [email protected] if you have questions.

I’m seeing a few more homes hit the market lately, giving buyers more options and creating a little more competition amo...
05/28/2026

I’m seeing a few more homes hit the market lately, giving buyers more options and creating a little more competition among sellers.

Homeowners in Rancho Cordova often ask what’s happening in today’s market.

Every neighborhood behaves a little differently, which is why local insight matters.

https://smithrealestateservices.net/sell/rancho-cordova/

Address

11230 Gold Express Drive, Ste 310/218
Gold River, CA
95670

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+19164720103

Website

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