Although 2024 was generally considered a seller's market, based on what's going on in the new and the real estate market --- Do you think 2025 will be a buyer's market or continue to be a seller's market?

Based on the facts as you outlined, no

Though, if your client base is nice retired people, it probably won't matter.  

As an investor, I value an agent coming to me with deals based on their in depth knowledge of the real estate landscape, networking, connections, and additional information they might be privy to. 

We are based in North Haven.

@Ben Johnson Not enough info here, but based on what you wrote, you have $5,000 in monthly cc interest and probably $3,000+ in principal.  

Yes, there are times they do win and make money, but not on a frequent bases in my experience.  

What is advantageous is someone that is good at underwriting and unbiased (only analyzes the deal based on the underwriting without other emotions).Note i have a fair amount of experience and plan to place a competitive offer tomorrow that the underwriting dictates not placing a competitive offer.  

That means making calculated numbers based decisions, not emotional ones.

That is what the valuation is based on.