Hello
Welcome to
SF Real Estate
with
Kevin+Jonathan
Succeeding in San Francisco’s competitive housing market and real estate can seem impossible, but with the right agents at your side, you can indeed succeed. This is where we come in. Kevin + Jonathan

Slide Kevin+Jonathan and Raffi photograph Your Goals =
WHY K+J? We’ve helped first-time buyers and sellers, seasoned veterans, investors, developers — and everyone in between succeed in buying and selling property. Regardless of your experience level, we are delighted to help you get what you want out of San Francisco real estate. We are excited to put our experience, knowledge and confidence to work for you.
Our Goals

BETTER BUYING Finding, valuing, and — vitally — assessing properties to see if it’s right for you and what it will take to win it SMARTER SELLING Striking the right balance of preparation and perfected presentation to attract the best buyers while managing risk. THE PERSPECTIVE The big-picture understanding + experience fundamental to success from the biggest to smallest details NETWORK ACCESS A+ referrals, large and varied professional network, supported by the leading locally owned brokerage, access to off-market listings and more. Our Services More Than Buying + Selling We will give you access to better online tools that will enhance your property search that work in concert with our experience, respected reputation and dynamism toward success.

Slide Smiling Sellers We had been reading their newsletters and they were so insightful and helpful, we knew this was the real estate team for us.

From the very start, Kevin spent time at our home, talked with us about the whole process and gave great design advice. We had fun, creative conversations all along the way. He respected our budget but with his help, our house was totally transformed! The media he produced to showcase our home was above and beyond our expectations.

Most importantly, Kevin and Jonathan got us a great offer on our home. We couldn’t be happier!

— D+R, Sellers, SoMa, Media
VERY HAPPY BUYERS Kevin and Jonathan WILL get you the house of your dreams! FULL STOP!

Just stop right now and call them and get the ball going. They will not waste your time as they are ruthless machines on your behalf in getting what you want.

They are also very funny, entertaining, sharp, engaging, and reassuring, which you need in this maddening market.

— P+J, Buyers, Excelsior, Education and Public Sector Infrastructure
BUT WAIT, THERE’S MORE Read many, many more client testimonials about their experiences with us on Yelp. Click Here
WHAT IS IT LIKE? Working With Us. Because real estate is often the most valuable asset you will buy or sell, you must be absolutely confident that you will be supported and represented by professionals who truly care about their clients, agents who put client needs ahead of their own. Take a look at how our clients found their time with us...

Starting Your Home Buying Journey with Confidence

Here are five key points to keep in mind as we get started. We’ll tailor our approach to fit your needs, circumstances, and goals as we get to know each other.

Until then, get ready for a smarter, more informed buying experience—backed by our proven track record of successfully representing both buyers and sellers in San Francisco for over a decade.

MEET + GREET

Let’s connect 📞💬 Whether by phone, Zoom, or in person, we’ll get to know each other, map out your goals, and set the course for success.

THE 415/628

Beyond the 7x7 miles 🌁🏡 With Kevin’s deep knowledge of the city, we’ll explore its streets, parks, and neighborhoods—uncovering hidden gems and insights along the way.

MONEY + MORE

Cash or Credit? 💰🏡 SF’s unique properties, quirks, and high prices make financing tricky. Explore lender options, what they evaluate, and how to leverage cash to maximize your buying power.

IN THE WILD

Navigating Open Houses 🏡🔍 We’ll equip you with the tools to tour like a pro and the insights to spot what really matters. Plus, check out our YouTube walkthroughs for expert guidance on what to look for!

DELVING DEEPER

What Buyers Should Look For & Sellers Should Highlight 🏡✨ Get Kevin’s expert advice on spotting value as a buyer and maximizing appeal as a seller in SF’s competitive market.

schedule quality time

GETTING TO KNOW YOU

Face to Face[Time]

Let’s set aside some time to connect and explore your goals in San Francisco real estate. Whether by phone, text, FaceTime, or in person, our first conversation is just the beginning—one of many to come. We promise an insightful and engaging discussion that sets the stage for a seamless, rewarding experience. Let’s get started!

Coordinate A Meet + Greet with K+J
Complete K+Js Client Intake Form
Illustration of a buyer who is a black Labrador Retriever

THE BUYER BROKER AGREEMENT

How We All Get Paid + Why It Matters Now

Real estate got a transparency upgrade in 2024. Buyers must now have a written agreement with their agent before making an offer on an MLS-listed property, and commission structures are no longer pre-set. Buyer agent fees are now negotiated upfront when buyers and agents first start working together. Whether sellers cover buyer agent fees is determined with each purchase offer.

The Buyer Broker Agreement
AI-generated map of what it thinks San Francisco Looks Like

This is what AI thinks San Francisco looks like—proof that you still need humans like us to help you navigate our fair city.

GETTING TO KNOW SAN FRANCISCO

The Districts of San Francisco

San Francisco’s 49 square miles are packed with variety, opportunities, and hidden gems. Let’s start exploring its neighborhoods to find the right fit for you.

The MLS organizes the city into 10 geographic districts, each with its own character, reputation, and value. Within those, numerous sub-districts closely align with familiar neighborhoods. We’ll help you navigate these distinctions, uncover hidden opportunities, and explore places you may not have considered—but just might love.

Explore Our Neighborhoods (v1)
Explore Our Neighborhoods (2025 beta revision)
Infographic showing when homes in San Francisco go into contract

GETTING TO KNOW WHEN IN SAN FRANCISCO

San Francisco Seasonality

San Francisco loves twos—two towers on the Golden Gate Bridge, two peaks of Twin Peaks, and… well, that’s our way of telling you that our housing market also has two peaks each year—spring and fall.

Unlike much of the country, where summer is the busiest season (thanks to school schedules and relocations), San Francisco’s market slows down in summer—blame the fog, vacations, and our unique rhythms. While school-related trends may shift in the coming years, our slowest months have consistently been August and December.

We’ve analyzed years of MLS sales data on a weekly basis to identify when the busiest weeks typically occur. But before you think you can game the system—think again. The market is, well, the market. Want to decode that? Let’s chat.

Ask Us Why There Are Two Peaks
Financing Illustration of Home Purchasing Options

PAYING TO LIVE IN SAN FRANCISCO

Of Mortgages and Money

There’s a lot to consider when financing a home purchase—even for all-cash buyers. The right strategy can make all the difference, and we work with trusted lenders who can navigate complex scenarios, sometimes turning the impossible into an opportunity or uncovering options that save you money.

Good thing you have us by your side to help you strategize, optimize, and win in San Francisco’s market.

Mortgage and Money Options Explored
In the Field

IN THE SWING OF THINGS

In the Field: Open Houses, Properties, Visits, Agents, Offers, Pricing and More

Once a property hits the open market, certain protocols, conventions, and unspoken rules come into play. We’ll brief you on what to expect, what to do, and how things should go—versus how they really go.

First rule? Always let the agent at a property know you’re working with Kevin+Jonathan and sign in if they ask. We’ll handle all communications—just tell us which properties catch your eye, and we’ll take it from there!

Quick Guide to San Francisco’s Open House Conventions:

✅ Sundays (2–4 p.m.) are prime open house time. Some homes open Saturdays, but times vary (usually 1–3 p.m. or 2–4 p.m.).

✅ Twilight Tours (weekday evening showings) are common but vary in timing.

✅ Broker Tour Tuesdays—real estate’s version of speed dating—happen citywide, with open times depending on the neighborhood and listing status. We love checking out new listings and reconnecting with agents—want to tag along? Just ask!

✅ New-build condos? Talk to us before visiting or, at the very least, mention you’re working with us upfront—this can make a big difference in your representation.

And of course, we’re always happy to set up private tours or preview properties for you—just let us know what stands out! 🚪🏡✨

Here’s a quick rundown of San Francisco’s open house conventions:

• Most open houses happen Sundays from 2–4 p.m. Some homes open Saturdays, but times vary (usually 1–3 p.m. or 2–4 p.m.).

•Twilight tours (weekday evening showings) are common, but times and days vary.

•Broker Tour Tuesdays—think of it as speed-dating for real estate—happen across the city, with open times depending on the neighborhood and whether a listing is new or a repeat. We love checking out new listings and reconnecting with fellow agents, and we’re happy to take clients along—just ask!

•New-build condos? Talk to us before visiting, or at the very least, mention you’re working with us at the start—this can make a big difference in representation.

Of course, we’re always happy to set up private tours or preview properties for you—just let us know what catches your eye!

The Buying and Selling Process Mapped Out
Do the Intake Form
Find Open House Times
Raffi the dog with different housing types

SEE WHAT WE SEE

More than 800 YouTube Walk-Throughs with Kevin

With 3,600+ subscribers and 1M+ hours viewed (that’s over 11 years of watch time!), our YouTube channel is your virtual open house library.

Sometimes you can’t make an open house. Sometimes you want our take on House X or Condo Y. And sometimes, you just want to see a beautiful home.

For all those times, Kevin has you covered. He’s filmed 700+ YouTube videos, walking through homes of all shapes, sizes, conditions, and price points.

Watching these gives you a real sense of how we evaluate properties and what’s out there. Watch, like, and subscribe below! 🎥🏡✨

Watch Kevin Wander Around Homes in San Francisco
Black Labrador dressed as Sherlock Holmes, wearing a tweed deerstalker hat and coat, holding a magnifying glass on a foggy London street with gas lamps—channeling Raffi McNarry-Ho, real estate’s best detective.

DESTINATION FOUND — LET’S LEARN MORE

Delving Deeper By Deciphering Disclosure Documents

The next step after finding a property you like? Getting the disclosure documents—the hundreds of pages sellers are required to provide, answering key questions about the property.

Our job is to help you decipher and contextualize these disclosures, so you can make informed decisions about:

✅ How much you want to spend

✅ What to expect in the short, medium, and long term

✅ How to investigate any questions that arise

✅ How this property compares to others

Because we see and sell so many homes in San Francisco—and have tackled our own major renovations—we have a deep understanding of how houses work. This helps our clients process the details with confidence. And for anything needing specialized expertise, we have a trusted roster of referrals ready to assist.

K+J On What to Look for in the Disclosures

You’re now ready to have an engaged, experienced, knowledgeable, and successful real estate team by your side and working on your behalf to achieve your San Francisco real estate goals—right? 🏡✨

Ping Kevin+Jonathan Now to Get Started

Time to Get Going! 🚀 You’re ready to have an engaged, experienced, and successful real estate team by your side—let’s make your San Francisco real estate goals happen! 🏡✨

What Else?

What we‘ve been up to lately 

Working With Kevin+Jonathan in San Francisco's Housing Market | Vanguard Properties

Start your San Francisco real estate journey with Kevin Ho and Jonathan McNarry of Vanguard Properties. Trusted advisors, top producers, and neighborhood experts guiding you home
📍 www.kevinandjonathan.com
📞 415.297.7462
📧 [email protected]

Contingent: Penthouse 528, 88 Arkansas, San Francisco, MLS 425022362, Presented by Kevin Ho & Jonathan McNarry, Vanguard Properties

Penthouse 528 at 88 Arkansas—aka 88 on the Park—is a 2BD/2BA top-floor condo with A/C, 9-ft ceilings, and parking across from Jackson Playground Park near Mission Bay. Listed with Kevin Ho and Jonathan McNarry, Vanguard Properties, San Francisco—with Mr. Raffi.

AI's Very Own Disrupter and Bay Area Real Estate

The tech sector has always had its ups and downs—recent DeepSeek-related turbulence is just another entry in the clips folder. But let’s not forget: four of the world’s most powerful tech titans, along with the most promising AI unicorns, remain headquartered in the Bay Area. The billionaires who shaped this industry? Still here. The workers who built it over decades? Still here. Many of these individuals have already realized their fortunes, and for those yet to, restricted stock units help buffer equity market volatility.

SOLD: Number 310, 1325 Indiana Street, San Francisco Listed by Kevin Ho and Jonathan McNarry, Vanguard Properties, MLS 425005926

Number 310 at 1325 Indiana Street, listed with Kevin Ho and Jonathan McNarry of Vanguard Properties, is a top-floor penthouse loft in Dogpatch with 18-foot ceilings, Bay Bridge views, and modern updates. Featuring two private decks, luxe finishes, and parking, it’s close to CalTrain, Mission Bay, and Chase Center. MLS 425005926. www.1325-Indiana.com

If Food Tourism is Dead, is this is a Good thing for SF?

The NYTimes wrote that many people are staying closer to home, choosing to discover local versions of authentic cuisines. Global Fine Dining Awaits in San Francisco With some of the best dining — at all levels — around, it’s usually not too hard to find a more exotic meal in the City with notable areas…

Selling SF: How to Command Top Dollar for Your San Francisco Property with Kevin+Jonathan

For top-dollar results, savvy San Francisco sellers hire Kevin Ho and Jonathan McNarry, top-producing realtors with Vanguard Properties. With extensive expertise, Kevin and Jonathan prepare, market, and supervise every detail of your property’s journey from preparation to closing. They ensure each listing is optimized with strategic planning, professional staging, targeted marketing, and seamless transaction management. Let Kevin and Jonathan help you command the best results for your San Francisco property.

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OPERATORS STANDING BY

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Hello Again.

We’re Kevin Ho and Jonathan McNarry of Vanguard Properties in San Francisco, California. Partners in life and business, we bring over 14 years of expertise in the Bay Area’s competitive and ever-evolving residential real estate market. Alongside our 14+ year-old black Labrador, Raffi—our beloved career-change Guide Dog for the Blind—we’ve built a thriving business that’s consistently ranked among San Francisco’s top 50 realtors for the past decade.

We truly love what we do. Representing both buyers and sellers, our work goes beyond transactions to focus on building relationships. Many of our clients return to us time and again or refer us to their friends and family. We believe that by working together, you’ll make confident, informed decisions in one of life’s most important areas: where and how you live.

This website is just the beginning. From meticulous property preparation to expert negotiation and lasting connections, we’re here to guide you every step of the way. Contact us today to start your success story—we can’t wait to meet you and help you achieve your real estate goals.

ACCESSIBILITY ON THIS SITE

At Kevin+Jonathan, we are dedicated to improving access to opportunities for everyone. This commitment extends to our website, ensuring inclusivity for individuals with disabilities, impairments, or other limitations.

We’ve integrated a range of accessibility tools and features to enhance your experience. Our efforts are guided by the World Wide Web Consortium’s (W3C) Web Content Accessibility Guidelines 2.1 (WCAG 2.1) at the AA level, which provide clear standards for making web content accessible to people with a variety of disabilities. These measures help ensure our site is usable by individuals with blindness, motor impairments, visual impairments, cognitive disabilities, and more.

Learn more about these initiatives and the tools we employ through our partner, AccessiBe.

If you encounter any content or functionality on this website that is inaccessible to you, please reach out to Kevin Ho directly at (415) 875-7408 between 10 a.m. and 6 p.m. PT, any day of the week. Kevin will personally assist you in accessing the information you need.

We’re committed to making our site—and the real estate market—accessible for all. Thank you for your patience and feedback as we continually improve.

TERMS + CONDITIONS

Real estate is ever-changing—just like the people and communities it revolves around. Its dynamic nature makes it as complex and surprising as it is rewarding. While the insights and information shared on this site are believed to be accurate and up-to-date, they cannot be guaranteed. Market conditions in San Francisco, California, and beyond can shift unexpectedly—sometimes with the tap of a tweet or the smallest ripple from an external event.

In San Francisco, a variety of factors can affect real estate values and performance without warning. These include tax regulations, rent control laws, lending standards, zoning rules, and even unforeseen events like pandemics or natural disasters. Staying informed is essential—so keep your wits about you and stay connected with us.

Kevin is a licensed California attorney but dedicates 99.9% of his time to real estate. His legal background provides valuable depth to our guidance, but he will not be acting as your attorney in any capacity. For specialized advice on taxes, legal matters, or other areas, we strongly recommend consulting qualified professionals. If you need a referral, we’d be happy to connect you with trusted experts in our network.

Your real estate success depends on informed decision-making, and we’re here to help you navigate the process with clarity, confidence, and expertise. Let’s work together to make your real estate goals a reality.

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© 2011–2025, Kevin Ho, Jonathan McNarry, RTI, Inc.

All rights reserved.

Our License Information:

Kevin K. Ho: DRE 01875957 / SBN 233408

Jonathan B. McNarry: DRE 01747295

Vanguard Properties: DRE 01486075

Our Office Locations:

2501 Mission Street, San Francisco, CA 94110

555 Castro Street, San Francisco, CA 94114

Privacy & Cookies: Mmm. Cookies.

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Our site uses cookies, developed by third parties, to enhance your browsing experience and help us better serve our clients—both current and future—exploring San Francisco real estate services. These cookies may track how you interact with our site, which could result in related advertisements appearing on other websites you visit.

To comply with the California Consumer Privacy Act (CCPA), we’ve implemented various measures on this site. If you have questions or concerns about your data, please email us at [email protected].

Rest assured, your personal information is private with us. We use SSL encryption and other advanced protocols to safeguard your data, ensuring that your browsing and interactions are secure.

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Kevin K. Ho, Esq. + Jonathan B. McNarry

San Francisco Real Estate Experts | Buyers + Sellers | Top Producers | Top 1%

+1-415.297-7462 (Kevin)
+1-415.215.4393 (Jonathan)

  • BUYING
      Back
    • How We Help Buyers (Process)
    • The Most Traded San Francisco Property Type: The Condominium
    • Condos vs TICs: The Real Differences
        Back
      • Condos vs TICs
      • Condo Conversion?
    • Financing + Mortgages
    • Reading Disclosures: What to Flag + What‘s Normal
    • The SFAR Contract Explained
    • Learn About As-Is Sales in San Francisco’s Housing Market and What It Means for You
    • Exploring 2-Unit Building Sales in San Francisco: Two-Units for Me and You
    • Evaluating San Francisco Properties + Renovating and Construction in SF
        Back
      • What to Look For
      • If You Renovate…
      • Seismic Questions
    • On Probate and Court Confirmation Sales (Guidance from Kevin+Jonathan)
    • Want to Learn More? FAQs with Kevin Ho on Buying and Selling in SFO
    • How to Hold (Vest) Title Over Your Property
    • Property Taxes
        Back
      • The Assessor’s Office
      • Further Reading
  • SELLING
      Back
    • Selling in SF
    • Capital Gains
    • Sales Roadmap
    • Staged Houses Sell for Way More
    • Strategic Updates and Before and Afters with Kevin Ho + Jonathan McNarry, Vanguard Properties, San Francisco
    • Ready to Show: Before + After Key Updates
  • About K+J
      Back
    • All About K+J and Raffi
    • Our Sales Record
    • House and Home, Dog and Home, How Mr. Raffi Sells Homes with Kevin+Jonathan in San Francisco
    • The Raffi Calendar
    • On the Media with Kevin Ho
    • Why You May NOT Want to Work With Kevin+Jonathan
    • Disclaimers, Your Privacy and More
  • LISTINGS
  • AGENT PAY
  • OUR SF SURVEY
  • SALES DATA
  • RE FAQS
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    • Quiz Yourself!
    • Kevin+Jonathan’s Glossary of Real Estate Terms Used in San Francisco
  • REVIEWS
  • ON YOUTUBE
  • FIND PROPERTY
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    • Open House Times
  • RE PICS
  • THE BLOG
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    • Guest Commentaries, TV Appearances
    • On the Media with Kevin Ho
  • CONTACT
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