04/27/2026
The biggest thing holding buyers back right now isn’t the market. It’s misinformation.
Online searches for “how much do I need for a down payment” just hit an all-time high. That tells you something important. People aren’t sitting on the sidelines because they don’t want to buy. They’re hesitating because they don’t have clarity.
And most are still operating under one outdated assumption:
You need 20% down to make a move.
That’s simply not today’s reality.
The average first-time buyer is putting down closer to 10%. Some are leveraging programs that require as little as 3.5%, and in certain cases, even less.
So the real question becomes:
How many opportunities are being missed because people are waiting to be “more ready” than they actually need to be?
This is where the right funding partner changes everything.
At Indicate Capital, the conversation isn’t about forcing you into a box. It’s about understanding your goals and building a path that aligns with them. Whether you're looking at your first property, a fix-and-flip, or scaling your portfolio, access to flexible capital can shift your timeline forward, not hold it back.
Because in this market, speed and clarity win.
If you’ve been waiting because you thought you needed more than you do, it might be time to revisit that assumption.
The opportunity isn’t later. It’s when you’re informed.
