Discreet, equity-aware representation for newly liquid Bay Area tech and AI buyers.
Offers built around your actual liquid position, with the timing of your vesting and share sales accounted for.
The closing sequenced to when your shares or tender proceeds actually settle, so the offer is real on paper the day it is written.
Off-market searches and private showings, so a high-value purchase stays out of public view.
The disclosures, the inspection reports, and the negotiation handled in your own language, in English and Russian.
This page is for buyers who have just become liquid after an IPO, a tender offer, or another equity event and are weighing a high-value Bay Area purchase. Lily Garipova represents the buyer on the real-estate side of that purchase: the search, the offer, the diligence, and the timing of the close. The decisions about whether and when to sell shares, how a sale is taxed, and how a home fits your larger financial picture stay with your own financial, tax, and legal advisors. Lily coordinates with those advisors so the real-estate steps line up cleanly with their guidance, and she does not give investment or tax advice herself.
Dated facts about the Anthropic and OpenAI filings (what is confirmed, what is reported, what is unknown) are maintained on the AI wealth and Bay Area home prices research page.
This is one of the most common situations Lily handles for tech buyers, and the mechanics are about timing, not magic. She works backward from the closing date with you and your stock broker so the share sale settles in time, then assembles the proof of funds a seller expects: recent brokerage statements and, once shares are sold, the cash position the offer rests on. Whether or when you actually sell those shares is a decision for your financial and tax advisors, not the agent. Lily's part is to line that sale up cleanly with the escrow (the neutral third party that holds the funds and paperwork until the deal closes) so the offer is real on paper the day it is written.
Yes, and the distinction matters to a seller. A financing contingency is the clause that lets you walk away and keep your deposit if your loan falls through; waiving it tells the seller you will close even if financing stalls, while a true all-cash offer means no loan at all. A seller asks for different proof in each case, a lender pre-approval and reserves versus liquid funds, and Lily walks you through both so you know exactly what is being promised. The real exposure is your earnest money, the good-faith deposit you put down with the offer: waive the wrong protection and then fail to close, and that deposit is at risk, so this is a step Lily structures deliberately rather than reflexively.
It changes the financing path more than the search itself. RSUs, or restricted stock units, are company shares your employer grants you that you fully own only as they vest on a schedule, and lenders treat them carefully: most count only vested, publicly traded shares with a vesting history, and private-startup RSUs usually do not qualify as income or assets for a loan at all. That often shapes whether it makes sense to finance now against the equity that does count, or buy with cash and refinance later once more shares vest. Lily coordinates that conversation with your lender so the strategy fits your actual vesting calendar; she does not advise on the shares themselves.
Often yes, and this is increasingly how Bay Area buyers fund a purchase. A tender offer, also called a secondary sale, is a company-sanctioned window that lets employees sell some shares while the company stays private; firms including OpenAI, Anthropic, Databricks, and Stripe began running them around 2024. On the real-estate side, the proceeds settle as documentable cash, so you do not have to wait for an IPO or for a lockup to expire to make a credible offer. Lily times the closing around when your tender proceeds actually settle and assembles the proof of funds a seller expects. Whether, when, and how much to sell in a tender is a decision for your financial and tax advisors, not the agent.
This is a real-estate question, not financial, tax, or legal advice, and Lily is careful about that line. Post-IPO shares usually sit under a lockup (a set period after a company goes public before newly issued shares can be sold), and proceeds from selling RSUs or shares carry their own tax timing, so the question of when to sell belongs to the client's CPA and financial advisor. What Lily does is sequence the real-estate steps, the search, the offer, the contingencies, and the close, to the client's liquidity and to the calendar those advisors set. An offer can sometimes be structured to fit that plan, all-cash to compete or financed to preserve liquidity, worked out in coordination with the client's lender and advisors.
An appraisal contingency lets a buyer renegotiate or walk away if the lender's appraisal comes in below the agreed contract price; waiving it removes that protection, so if the appraisal lands low, the buyer covers the difference in cash and cannot reopen the price on that basis. That makes waiving realistic mainly for buyers with the liquidity to absorb a gap without straining the rest of the deal. There is a middle ground Lily often structures: instead of waiving outright, the buyer caps the gap, agreeing in writing to cover an appraisal shortfall only up to a stated dollar limit. It keeps an offer competitive while putting a known ceiling on the cash exposure.
A securities-based line of credit, sometimes called a pledged-asset loan, lets you borrow against a stock portfolio instead of selling it, using the shares as collateral. On the real-estate side, that can let an offer behave more like a cash purchase and close faster, and it shifts which lenders are involved. One thing to line up early: many conventional mortgage lenders will not lend to a trust or an LLC, so if the home will be held in one of those, the borrowing structure and the title-holding structure have to match from the start. The borrow-versus-sell choice itself belongs with your own financial advisor and lender; Lily structures the purchase around the decision you reach with them.
Partly, and the line between what the agent does and what your attorney does is worth drawing clearly. Lily coordinates the real-estate side: sourcing off-market homes, arranging private showings, and keeping the transaction low-profile. Your attorney, not the agent, sets up the trust or LLC and advises on how to hold title, because that is legal and tax structuring. Two cautions she raises early: title companies, lenders, and the IRS still require beneficial-owner disclosure, meaning the real person behind the entity has to be identified to those parties even when the public deed shows only the entity, and many lenders will not finance a purchase held by an LLC, which often pushes an entity buy toward cash. The structuring decisions stay with your attorney and tax advisor.
California sets your tax base differently than many states, so this catches transplants off guard. Under Proposition 13, your assessed value is anchored to your purchase price and rises only modestly each year after that, which means a higher purchase price locks in a higher base. The base-transfer rules under Proposition 19, which let some owners carry a low assessment to a new home, apply to California sellers who are 55 or older, disabled, or displaced by disaster, so as a first-time California buyer relocating from out of state you should budget for the full reassessed tax bill on your purchase price. Lily flags the real-estate-relevant numbers so they are in your model from day one; the tax planning itself belongs with your CPA.
On the real-estate side, the point worth keeping in view is that a single home is itself a concentrated, illiquid asset, so how large a share of your net worth it represents matters as much as the purchase price. That framing helps Lily build a search and an offer that fit the role the property is meant to play. The portfolio math and the allocation decision itself sit with your financial advisor, not the agent.
Yes. Lily works in English and Russian and can pursue off-market opportunities, meaning homes matched and negotiated privately rather than listed for the open market, which keeps a high-value purchase out of public view. She is equity-aware on the real-estate side of the transaction and coordinates with your own advisors on the financial and tax questions, so the structure your team decides on carries cleanly into the offer and the closing. Her record stands at 104 documented closings and more than $115M in volume, 91 of those closings on the buyer side.
Lily represents buyers across the Bay Area's prime markets, these included, and brings the same diligence, negotiation, and discretion to a high-end search that she brings at any price tier. Her documented record runs to a $3.3M buyer-side purchase in Sunnyvale, out of 104 documented closings, 91 of them buyer-side. The mechanics of winning a competitive offer, reading comparable sales, and protecting a buyer's position do not change with the address; the price simply raises the stakes on getting each one right.
A lockup is the roughly 180-day period after a company goes public before employees can sell their newly public shares. When it expires, your whole cohort's liquidity arrives at once, and much of it chases the same neighborhoods. Buying now means competing against current buyers, not against that entire wave once it turns liquid. Peer-reviewed research (Hartman-Glaser and coauthors, Real Estate Economics, studying 4,500 U.S. IPOs) found home prices near a company's headquarters rise around the filing and listing dates, with a further lift after lockups expire, concentrated in higher-priced homes. Still, markets can move either way. In the 2019 Uber and Lyft wave, prices fell instead, partly because those stocks traded below their IPO prices. The effect depends on the stock holding its value, which no one can guarantee.
You can, through three financing bridges. First, proceeds from a prior tender offer (a company-sanctioned window that lets employees sell some shares while the company stays private) settle as documentable cash you can put toward a home now. Second, once your company is public, RSU income (restricted stock units, company shares that vest to you over time) can help you qualify for a jumbo mortgage, a loan larger than the conventional limit. Third, a pledged-asset or securities-backed line of credit lets you borrow against your portfolio, typically 50 to 70%, and close before selling shares. When to sell shares is a decision for your own financial and tax advisors. Lily structures the purchase (search, offer, timing, close) around the plan you set with them: call or text (415) 910-3958.
According to reporting, Anthropic confidentially filed its draft IPO paperwork on June 1, 2026, targeting an October 2026 Nasdaq listing, while OpenAI filed May 22, 2026, and may wait until 2027. A standard lockup (the roughly 180-day hold before employees can sell newly public shares) puts the first open-market sales around next spring. Peer-reviewed research (Hartman-Glaser and coauthors, 4,500 U.S. IPOs) found home prices near a company's headquarters rise around the filing and listing dates, concentrated in higher-priced homes within about two miles. San Francisco is moving: press reports put the 2026 median at a record near $1.76 million, with 144 homes selling at least $1 million over asking in the first half of 2026, up from 8 a year earlier. Still, no one can guarantee the trend holds.
Waiting is a real option, but with a cost worth naming. Next spring is roughly when the first post-lockup sales arrive (a lockup is the 180-day hold after an IPO before employees can sell new shares), so buying then puts you in the market alongside peak competition. Peer-reviewed research (Hartman-Glaser and coauthors, 4,500 U.S. IPOs) found prices tend to firm around the filing, listing, and lockup dates near a company's headquarters, concentrated in higher-priced homes. Because financing bridges exist (proceeds from an earlier share sale, borrowing against your portfolio, or vested-stock income toward the mortgage), waiting is optional, not required. The right choice depends on your circumstances, and markets can move either way, so this is general information, not financial advice. To weigh it, call or text (415) 910-3958.