When I prepare market analyses for sellers today, one of my biggest concerns is the rising cost of major home maintenance items—windows, roofing, heating systems, and other big-ticket repairs that are simply part of owning a home.

The reality is that many buyers don’t have excess cash after closing to immediately tackle these expenses. This raises an important question for sellers:
Is it better to make necessary repairs before listing, adjust the price accordingly, and allow those costs to be financed as part of a buyer’s mortgage?

For many buyers, moving into a home that’s already been addressed—and not having to line up contractors right away—adds real value. For sellers, it can mean a stronger position in the market and fewer negotiations later.

There’s no one-size-fits-all answer. Every situation is different. But these are the conversations worth having—whether you’re buying, selling, or deciding whether waiting really serves your goals.

I’d love to hear your thoughts.