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		<image:title>&quot;Swing states&quot; home prices - Will it impact the election?</image:title>
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		<image:title>What Does the Market Look Like?</image:title>
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		<image:title>What is a 2/1 Buy Down?</image:title>
		</image:image>
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		<loc>https://www.traceystotz.com/thinking/</loc>
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		<image:title>Luxury at the Beach will Cost You.</image:title>
		</image:image>
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	<url>
		<loc>https://www.traceystotz.com/la-mesa-mt-helix-january/</loc>
		<lastmod>2024-02-06T21:31:30+00:00</lastmod>
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		<image:title>La Mesa/Mt. Helix January 2024 Numbers</image:title>
		</image:image>
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		<loc>https://www.traceystotz.com/for-sale/</loc>
		<lastmod>2024-02-05T22:37:39+00:00</lastmod>
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		<image:title>For Sale by Owner vs a Professional Realtor</image:title>
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		<image:title>Historically Speaking Current  Rates Aren&apos;t Bad</image:title>
		</image:image>
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	<url>
		<loc>https://www.traceystotz.com/californias-dream-for-all-relaunching/</loc>
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		<image:title>California&apos;s &quot;Dream For All&quot; Relaunching</image:title>
		</image:image>
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	<url>
		<loc>https://www.traceystotz.com/what-is-bookshelf-wealth/</loc>
		<lastmod>2024-01-25T01:13:56+00:00</lastmod>
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		<image:title>What is Bookshelf Wealth?</image:title>
		</image:image>
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	<url>
		<loc>https://www.traceystotz.com/possible-first-time-buyer/</loc>
		<lastmod>2024-01-19T16:16:05+00:00</lastmod>
		<changefreq>daily</changefreq>
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		<image:loc>https://inception-app-prod.s3.amazonaws.com/NTgxOWI3ZDUtZWI1MS00MjU4LThhNGEtNzhjMGQzN2Q1MjAz/content/2021/07/dollarsign.jpg</image:loc>
		<image:title>Possible First-time Buyer Federal Funds?</image:title>
		</image:image>
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	<url>
		<loc>https://www.traceystotz.com/the-mills-act/</loc>
		<lastmod>2024-01-17T20:16:39+00:00</lastmod>
		<changefreq>daily</changefreq>
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		<image:loc>https://inception-app-prod.s3.amazonaws.com/NTgxOWI3ZDUtZWI1MS00MjU4LThhNGEtNzhjMGQzN2Q1MjAz/content/2024/01/b4d67678edc85324208155ec694ceee9d49e5c88.jpeg</image:loc>
		<image:title>The Mills Act - Property Taxes and Historic Homes</image:title>
		</image:image>
	</url>
	<url>
		<loc>https://www.traceystotz.com/homeowners-net-wort/</loc>
		<lastmod>2024-01-17T20:02:28+00:00</lastmod>
		<changefreq>daily</changefreq>
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		<image:image>
		<image:loc>https://inception-app-prod.s3.amazonaws.com/NTgxOWI3ZDUtZWI1MS00MjU4LThhNGEtNzhjMGQzN2Q1MjAz/content/2024/01/2bfeda2428dfac8ca5a10f0a32c314bee354b530.png</image:loc>
		<image:title>Homeowners&apos; vs Renters&apos; Net Worth</image:title>
		</image:image>
	</url>
	<url>
		<loc>https://www.traceystotz.com/tightening-of/</loc>
		<lastmod>2024-01-09T22:09:14+00:00</lastmod>
		<changefreq>daily</changefreq>
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		<image:title>SB 567 Tightens No-Fault Evictions</image:title>
		</image:image>
	</url>
	<url>
		<loc>https://www.traceystotz.com/will/</loc>
		<lastmod>2024-01-09T19:39:31+00:00</lastmod>
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		<image:loc>https://inception-app-prod.s3.amazonaws.com/NTgxOWI3ZDUtZWI1MS00MjU4LThhNGEtNzhjMGQzN2Q1MjAz/content/2024/01/8b5fec0dd1051b05695cd595ab7ae57accf8093a.jpg</image:loc>
		<image:title>Will the Housing Market Loosen Up in 2024?</image:title>
		</image:image>
	</url>
	<url>
		<loc>https://www.traceystotz.com/same-song/</loc>
		<lastmod>2023-12-22T16:59:15+00:00</lastmod>
		<changefreq>daily</changefreq>
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		<image:loc>https://inception-app-prod.s3.amazonaws.com/NTgxOWI3ZDUtZWI1MS00MjU4LThhNGEtNzhjMGQzN2Q1MjAz/content/2023/12/0eb496c0dca0f01930389ed015ffee790b793a80.jpeg</image:loc>
		<image:title>Same Song - Buyer Interest is Up but Inventory is Low</image:title>
		</image:image>
	</url>
	<url>
		<loc>https://www.traceystotz.com/s/</loc>
		<lastmod>2023-12-18T22:23:04+00:00</lastmod>
		<changefreq>daily</changefreq>
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		<image:loc>https://inception-app-prod.s3.amazonaws.com/NTgxOWI3ZDUtZWI1MS00MjU4LThhNGEtNzhjMGQzN2Q1MjAz/content/2023/12/b0fa247bd18ffd59c453309fc5074f3c1c5f0dfe.jpeg</image:loc>
		<image:title>Real Estate for Ski Bunnies can be Pricey</image:title>
		</image:image>
	</url>
	<url>
		<loc>https://www.traceystotz.com/sales/</loc>
		<lastmod>2023-12-13T19:00:01+00:00</lastmod>
		<changefreq>daily</changefreq>
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		<image:loc>https://inception-app-prod.s3.amazonaws.com/NTgxOWI3ZDUtZWI1MS00MjU4LThhNGEtNzhjMGQzN2Q1MjAz/content/2022/11/705ffe9a707bdba442c67bb194b34a90f17f0274.jpg</image:loc>
		<image:title>Sales Down but Prices Up</image:title>
		</image:image>
	</url>
	<url>
		<loc>https://www.traceystotz.com/same-story-lack-of-inventory/</loc>
		<lastmod>2023-12-05T00:00:46+00:00</lastmod>
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		<image:loc>https://inception-app-prod.s3.amazonaws.com/NTgxOWI3ZDUtZWI1MS00MjU4LThhNGEtNzhjMGQzN2Q1MjAz/content/2021/10/2e10ca6d623f374689775129f74c20269e1fed16.jpg</image:loc>
		<image:title>Same Story - Lack of Inventory</image:title>
		</image:image>
	</url>
	<url>
		<loc>https://www.traceystotz.com/sb-10/</loc>
		<lastmod>2023-12-04T23:58:38+00:00</lastmod>
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		<image:loc>https://inception-app-prod.s3.amazonaws.com/NTgxOWI3ZDUtZWI1MS00MjU4LThhNGEtNzhjMGQzN2Q1MjAz/content/2023/12/3afb9f6304372aac6582e8b8694ba772f535f255.jpeg</image:loc>
		<image:title>SB-9 Still Floating Around on Housing Density</image:title>
		</image:image>
	</url>
	<url>
		<loc>https://www.traceystotz.com/dont-forget/</loc>
		<lastmod>2023-11-29T01:33:24+00:00</lastmod>
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		<image:loc>https://inception-app-prod.s3.amazonaws.com/NTgxOWI3ZDUtZWI1MS00MjU4LThhNGEtNzhjMGQzN2Q1MjAz/media/2015/08/houseclipart.jpeg</image:loc>
		<image:title>Don&apos;t forget to pay your property taxes</image:title>
		</image:image>
	</url>
	<url>
		<loc>https://www.traceystotz.com/housing-hacking-a-thing/</loc>
		<lastmod>2023-11-29T01:14:16+00:00</lastmod>
		<changefreq>daily</changefreq>
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		<image:loc>https://inception-app-prod.s3.amazonaws.com/NTgxOWI3ZDUtZWI1MS00MjU4LThhNGEtNzhjMGQzN2Q1MjAz/content/2019/11/860-poolhousedrivecamelot-pkwy-4.jpg</image:loc>
		<image:title>&quot;Housing Hacking&quot; is a thing</image:title>
		</image:image>
	</url>
	<url>
		<loc>https://www.traceystotz.com/wet-baths/</loc>
		<lastmod>2023-11-17T20:29:42+00:00</lastmod>
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		<image:loc>https://inception-app-prod.s3.amazonaws.com/NTgxOWI3ZDUtZWI1MS00MjU4LThhNGEtNzhjMGQzN2Q1MjAz/content/2023/11/945ecff1ce0e5e27bb06c630a4539280eac1a0ef.jpg</image:loc>
		<image:title>Wet Baths...</image:title>
		</image:image>
	</url>
	<url>
		<loc>https://www.traceystotz.com/f/</loc>
		<lastmod>2023-11-15T19:43:39+00:00</lastmod>
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		<image:loc>https://inception-app-prod.s3.amazonaws.com/NTgxOWI3ZDUtZWI1MS00MjU4LThhNGEtNzhjMGQzN2Q1MjAz/content/2023/11/49e36d49f229b74d34e63211afe6f983d680486c.png</image:loc>
		<image:title>Frank Lloyd Wright, Jr. Property on Market</image:title>
		</image:image>
	</url>
	<url>
		<loc>https://www.traceystotz.com/home-sellers/</loc>
		<lastmod>2023-11-02T19:16:16+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.6</priority>
		<image:image>
		<image:loc>https://inception-app-prod.s3.amazonaws.com/NTgxOWI3ZDUtZWI1MS00MjU4LThhNGEtNzhjMGQzN2Q1MjAz/content/2023/01/109b77c434e51960087ef1e9efdae16711431e85.jpg</image:loc>
		<image:title>Home Sellers Win in Lawsuit</image:title>
		</image:image>
	</url>
	<url>
		<loc>https://www.traceystotz.com/things-for/</loc>
		<lastmod>2023-10-24T21:53:30+00:00</lastmod>
		<changefreq>daily</changefreq>
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		<image:loc>https://inception-app-prod.s3.amazonaws.com/NTgxOWI3ZDUtZWI1MS00MjU4LThhNGEtNzhjMGQzN2Q1MjAz/content/2023/02/9dbd9ef19665ea8abf91f3abb786e477d5928cf4.jpg</image:loc>
		<image:title>Things for Buyers to Consider</image:title>
		</image:image>
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	<url>
		<loc>https://www.traceystotz.com/new/</loc>
		<lastmod>2023-10-16T23:16:45+00:00</lastmod>
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		<image:loc>https://inception-app-prod.s3.amazonaws.com/NTgxOWI3ZDUtZWI1MS00MjU4LThhNGEtNzhjMGQzN2Q1MjAz/content/2023/05/fd758927d32531fe2bf31d07d8a047102d231860.jpg</image:loc>
		<image:title>New FHA Policy Counts ADU Income</image:title>
		</image:image>
	</url>
	<url>
		<loc>https://www.traceystotz.com/market-update-california/</loc>
		<lastmod>2023-10-11T16:38:17+00:00</lastmod>
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		<image:loc>https://inception-app-prod.s3.amazonaws.com/NTgxOWI3ZDUtZWI1MS00MjU4LThhNGEtNzhjMGQzN2Q1MjAz/content/2023/10/a39f46d5decdc79ebf9e266964992a6d328970fd.JPG</image:loc>
		<image:title>Real Estate Market Update - California</image:title>
		</image:image>
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	<url>
		<loc>https://www.traceystotz.com/car-free-san-diego/</loc>
		<lastmod>2023-09-18T18:13:12+00:00</lastmod>
		<changefreq>daily</changefreq>
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		<image:loc>https://inception-app-prod.s3.amazonaws.com/NTgxOWI3ZDUtZWI1MS00MjU4LThhNGEtNzhjMGQzN2Q1MjAz/content/2015/09/DSCF7962.JPG</image:loc>
		<image:title>Car-free San Diego - Not Yet!</image:title>
		</image:image>
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	<url>
		<loc>https://www.traceystotz.com/housing-market-slow-but/</loc>
		<lastmod>2023-09-11T20:29:12+00:00</lastmod>
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		<image:title>Housing Market Slow - Will Rate Drop Help?</image:title>
		</image:image>
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	<url>
		<loc>https://www.traceystotz.com/manufactured-homes/</loc>
		<lastmod>2023-09-09T00:12:54+00:00</lastmod>
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		<image:loc>https://inception-app-prod.s3.amazonaws.com/NTgxOWI3ZDUtZWI1MS00MjU4LThhNGEtNzhjMGQzN2Q1MjAz/content/2023/09/e1638b6ca9e3581e160c7c068fb20d2e7d2ac42c.png</image:loc>
		<image:title>Manufactured Homes?</image:title>
		</image:image>
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	<url>
		<loc>https://www.traceystotz.com/where-can-you-buy-a-house-under-100000/</loc>
		<lastmod>2023-09-03T23:20:21+00:00</lastmod>
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		<image:title>Where Can You Buy a House Under $100,000?</image:title>
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	<url>
		<loc>https://www.traceystotz.com/fire-insurance-is-getting-more-difficult-to/</loc>
		<lastmod>2023-08-28T19:41:12+00:00</lastmod>
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		<image:loc>https://inception-app-prod.s3.amazonaws.com/NTgxOWI3ZDUtZWI1MS00MjU4LThhNGEtNzhjMGQzN2Q1MjAz/content/2023/08/4075362236f58f06bd721ab7fc8c95b9203898f5.jpg</image:loc>
		<image:title>Fire Insurance is Getting More Difficult to Obtain</image:title>
		</image:image>
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	<url>
		<loc>https://www.traceystotz.com/boomers-dominate-market/</loc>
		<lastmod>2023-08-17T00:51:15+00:00</lastmod>
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		<image:loc>https://inception-app-prod.s3.amazonaws.com/NTgxOWI3ZDUtZWI1MS00MjU4LThhNGEtNzhjMGQzN2Q1MjAz/content/2023/08/f7dc7b932b61fa396abd81f44610c17ee3e86037.jpeg</image:loc>
		<image:title>Older Buyers Dominate Market</image:title>
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		<loc>https://www.traceystotz.com/east-county/</loc>
		<lastmod>2023-08-10T00:00:45+00:00</lastmod>
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		<image:title>Awards of Excellence</image:title>
		</image:image>
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	<url>
		<loc>https://www.traceystotz.com/inventory-of-homes-for-sale-keeps/</loc>
		<lastmod>2023-08-07T23:56:33+00:00</lastmod>
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	</url>
	<url>
		<loc>https://www.traceystotz.com/foreign-buyers/</loc>
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		<image:loc>https://inception-app-prod.s3.amazonaws.com/NTgxOWI3ZDUtZWI1MS00MjU4LThhNGEtNzhjMGQzN2Q1MjAz/content/2023/08/b641f3a9df8ead60341678c34f5ee48a31922a98.JPG</image:loc>
		<image:title>Foreign Buyers?</image:title>
		</image:image>
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	<url>
		<loc>https://www.traceystotz.com/foreclosure-rates-on-the-rise-but-no/</loc>
		<lastmod>2023-07-26T16:50:20+00:00</lastmod>
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		<image:title>Foreclosure Rates on the Rise - But Not in San Diego!</image:title>
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		<loc>https://www.traceystotz.com/air/</loc>
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