A divorced man in his late 60s was already struggling with medical issues when he was also diagnosed with bladder cancer. He was compelled to put his 1960s-era bungalow up for sale. He needed the money to buy a condo in an assisted living community near relatives.

Even though he’d previously worked as a home remodeler, the owner had let upkeep on his house slide for years. His living quarters were crammed with unsorted possessions, and the whole place cried out for a paint job. But he lacked both the funds and energy to undertake the necessary improvements before selling.

Unfortunately, this true tale didn’t end happily. Though the man’s bungalow was located in a solid suburban neighborhood with forested yards and a coveted elementary school, the property languished unsold for nearly a year. Ultimately, he accepted his only bid -- an extreme lowball from a couple who hauled in a dumpster for the man’s castaways and then tackled the renovations themselves.

John Rygiol, a veteran real estate broker, says selling a house “as is” nearly always results in sacrificial returns.

“These days, buyers’ eyes are accustomed to seeing model-homelike interiors. So, any place that goes on the market in a shabby condition is usually passed over,” says Rygiol, who heads an independent realty firm.

Housing economists say that “as is” sellers must moderate their expectations, especially in the current economy.

“The rise in mortgage rates this summer to their highest level in seven years has made it more difficult for potential buyers to afford a home. The slackening in demand is reflected in the slowing of national appreciation,” says Frank Nothaft, chief economist for CoreLogic, which tracks real estate markets throughout the country.

Nothaft is now forecasting upcoming valuation adjustments for housing, based on CoreLogic’s estimate that 38 percent of all metro area properties are now “overvalued.”

Even though now may not be the best of times for “as is” sellers to liquidate, Rygiol says many in this category simply can’t wait.

Here are a few pointers for sellers:

-- Concentrate on low-cost changes with impact.

Owners with few resources can still increase their odds of getting somewhat more for their “as is” property with little or no cash expended. Even those who must rely on volunteers to make their homes presentable are better off than sellers who do nothing to improve the looks of their property.

“It’s unbelievable the bad reaction buyers have to a house that’s messy,” says Rygiol, who’s affiliated with the National Association of Exclusive Buyer Agents (naeba.org).

Claire Jean Prager, a veteran real estate broker, says financially challenged sellers should consider searching for volunteers by looking on the internet for a support group, such as a cancer survivor network or a nearby faith organization.

“Go to a local church or synagogue and ask if they know anyone who could help you. You don’t have to be a member,” Prager says.

As you embark on a cleaning and decluttering blitz, she recommends you first focus on removing excess furniture and personal items that make it hard for those viewing your place to picture themselves living there.

“For example, I’m talking about all those photos and notes attached to your refrigerator with magnets and all those many family mementos. Get all these items packed up and put away in a storage area,” Prager says.

-- Try to find a listing agent trained to redo your interior.

The current real estate climate has spawned the new industry of professional home stagers. These are people hired to rearrange and supplement furnishings to make properties more appealing.

Mark Nash, a real estate broker and the author of “1001 Tips for Buying and Selling a Home,” says stagers typically charge $300 or more for a minor redo. But if you lack the funds to pay a stager, he suggests you look for a listing agent who will provide such services without charging an extra fee.

“An increasing number of agents are trained in staging, and some are getting very good at it,” he says.

-- Make your “as is” property more saleable with the right list price.

Rygiol says some owners are still tempted to “test the market” with an original list price at the high end of the neighborhood range.

But he says those in this predicament are better off pricing from the outset at the precise current market value of their property, given its current condition.

“Go around your neighborhood and look at For Sale signs as indications of the strongest and most successful agents in your area. Then call three of these top agents, asking them to come over and recommend a totally realistic selling price,” Rygiol says.

He says you shouldn’t necessarily select the agent who suggests the highest list price of the three. Rather, listen intently to their advice on how your “as is” property should go on the market.

“Tell your agent you want to sell in 90 days or less, and ask what price and marketing plan will get that job done,” Rygiol says.

(To contact Ellen James Martin, email her at ellenjamesmartin@gmail.com.)

For months, Daren Blomquist and his wife have hankered to buy a much bigger house in the same middle-income suburb where they now reside. The couple’s two young daughters are tired of sharing a bedroom. Plus, the family recently acquired a boisterous golden retriever.

But the couple’s quest to replace their 1,800-square-foot Spanish-style property with a larger one in the same school district has been frustrating. New listings are rare in their neck of the woods, and when a property they liked came on the market recently, it was pulled back by the sellers before Blomquist and his wife could make a bid.

“The owners said they’re waiting until spring 2019. By waiting, they think they’ll get a lot more money,” says Blomquist, a senior vice president at Attom Data Solutions (attomdata.com), which tracks real estate markets throughout the country.

Blomquist understands the sellers’ reasoning for wanting to delay. After all, home prices have risen in his area, as well as many popular neighborhoods, for more than six years.

Even so, he questions whether it’s wise for the sellers to wait.

“There’s no reason for gloom and doom. But at this point, the headwinds are against home price appreciation. Mortgage rates are going up, which is triggering a cooling off period for buyers,” Blomquist says.

Mary Gillach, a real estate broker who’s sold homes since 2001, says another factor slowing the market is the fatigue many would-be purchasers are experiencing at this point in the cycle, especially in inventory-tight communities.

“People who’ve lost homes to other bidders feel demoralized,” she says.

Lawrence Yun, chief economist for the National Association of Realtors (realtor.org), says low inventory levels are now starting to contribute to a gradual housing market slowdown.

“Price gains are going to decelerate,” he says.

Here are a few pointers for sellers:

-- Lower your expectations for major price jumps.

Sid Davis, a real estate broker and author of “A Survival Guide to Selling a Home,” says that even in some exceptionally strong real estate markets, demand has recently started to recede.

“For several years, buyers have faced stiff competition, especially at the starter-home level. Some people are just not comfortable with so much pressure,” Davis says.

All this is not to say that popular neighborhoods are bereft of wannabe purchasers. But smart sellers know that pricing right from the outset is always crucial to a successful sale.

“This isn’t the right time to be a greedy seller, if it ever was,” Davis says.

He says a listing agent who’s skilled in calculating the right price for a property is a valuable ally for sellers who want to hit the target when their home first goes up for sale.

“No matter the market, asking more than your home is really worth is a big mistake. Most buyers won’t even make an offer if they think you’re greedy,” Davis says.

-- Seek guidance from real estate pros in your immediate area.

When it comes time to sell a home, many owners think it’s wise to hire a trusted family member as their listing agent. But Davis cautions against choosing someone from your inner circle.

Even if your family member has a proven track record in real estate, choosing that individual as your agent could be a mistake.

“Your relatives probably won’t tell you if your place is a dump that needs to be decluttered or that it’s worth a lot less than you think,” Davis says.

He recommends you interview three agents who work in your area to determine the right one to sell your house. Ask each to give you a candid evaluation of both the condition and current worth of your place. Also question all three on how they came up with their pricing recommendations.

“You want to see the actual comparable sales used to support their recommendations. In a changing market, it’s especially important that these sales be very recent, preferably for houses sold within the last month,” Davis says.

-- Review the agent’s track record on pricing.

Are you planning to sell a home in an area where property values are now flat or slipping slightly? In that case, it’s unlikely you’ll receive your full asking price at the closing table. But if your property was marked correctly from the outset, you should still come quite close.

“The idea is to hit the bull’s-eye from the beginning rather than letting your house become shopworn,” Davis says.

How can you judge whether the agents you’re interviewing have a good track record on pricing? One way is to review a few key numbers on their past listings, such as “list-to-sale” statistics. Then compare the original asking price versus the sum ultimately received by the sellers.

If the agent is routinely making realistic recommendations, there should be little difference between the original list price and the final sale price.

“Don’t listen to any agent trying to flatter you into a ‘feel-good price’ that’s much higher than other pros are suggesting -- with the unspoken expectation of seeking a price cut later. That could lead to a very subpar sale,” Davis says.

(To contact Ellen James Martin, email her at ellenjamesmartin@gmail.com.)

Once retirees hit their late 60s, many start hearing a chorus of voices from friends and associates urging them to sell their big family house and downsize to a much smaller place, ideally close to their grown offspring.

But real estate specialists say there’s no one-size-fits-all for retirement happiness. What’s more, they say moving near family can be a big mistake for some seniors, especially if it means they must make a long-distance move away from close friends and acquaintances.

“Older people who live in a true community ... have lots to lose by leaving the old neighborhood. In the new area, they might feel alienated and isolated,” says Eric Tyson, a consumer advocate and co-author of “Personal Finance After 50 for Dummies.”

“Most of us are much more independent than interdependent. Our extended families aren’t the kind that spend every Sunday night together,” Tyson says.

Fred Meyer, a longtime real estate broker and appraiser, says seniors should weigh their options carefully before making any major move. That’s because late in life it’s tough to reverse a major housing mistake.

Here are a few pointers for retirees:

-- Consider your lifestyle preferences as primary factors.

Meyer urges retirees to focus primarily on settling in a place where they can pursue their strongest interests.

“Ask yourself what you really like to do and then find the best places to fulfill those passions,” Meyer says.

Because lifestyle factors are so important in retirement, he says many seniors are happier living in modest housing while pursuing their dreams than in fancier housing elsewhere. Fortunately, those with more common interests, such as golf or tennis, can fulfill these in a wide array of locations. But others, like theater buffs, need a more particular location to pursue their passions.

Though not yet retired, Meyer intends to do so one day in Cambridge, Massachusetts, where he heads a real estate firm near Harvard University. He chose that setting because the community is “manageably small and walkable” and allows him to audit classes at Harvard. It’s also close to Boston, where he often attends cultural events.

Merrill Ottwein, a former president of the National Association of Exclusive Buyer Agents (naeba.org), says advance planning is crucial when it comes to selecting a retirement destination.

“Assuming you’re in good health and aren’t compelled to consider assisted living, start thinking about where you’ll live at least two or three years before making the big move,” he says.

Here are a few pointers for retirees:

-- Do a reality check on your retirement finances.

“Cost considerations are a huge factor in retirement decisions,” Ottwein says.

Are you short on retirement savings and believe you’ll need to sell your current house to make ends meet in the future? In that case, Ottwein urges you to plot a strategy with a trusted financial adviser or accountant before making any sudden move.

As you finalize the financial plan for retirement, he recommends you give serious thought to the level of mortgage debt you’re willing to carry in retirement. For most people, a comfortable retirement means freedom from large house payments.

“As our parents and grandparents were well aware, it’s far from ideal to have a mortgage in retirement. Strip down all your living costs and you’ll feel a lot more financially at ease,” Ottwein says.

-- Don’t rule out remaining in the area where you now live.

Through his several decades selling real estate, Ottwein has helped many seniors sort through their housing options. Experience has taught him that most retirees do best when they live within a 30-minute drive of their former home.

He says that retiring to a distant location could be a particularly poor choice for those who’ve found meaning through volunteer work near the community where they’ve lived for many years.

“Obviously, you could find a new volunteer gig at your new domain. But will you already have established relationships there? Probably not,” Ottwein says.

-- Consider the potential downsides of living close to your grandkids.

As retirees, you may relish time with your offspring. But how would you feel if asked to take on the role of regular babysitter for young children?

“Even if your kids only count on you on an intermittent basis, that could make it hard for you to schedule travel or other enjoyable activities,” Ottwein says.

One problem of making a major commitment to care for the grandkids is that this could cost you time and energy that might otherwise go toward fulfilling your retirement plans -- like learning to sail or taking up the trombone.

Another risk, though uncommon, is that your grown children may be less than thrilled at having you nearby. To be certain they’re OK with the idea, Ottwein recommends you have a candid conversation with them before deciding to move nearby.

“Though people rarely say it out loud, it could be that you and the kids really don’t like spending that much time together. That’s not a crime, just a reality,” he says.

(To contact Ellen James Martin, email her at ellenjamesmartin@gmail.com.)