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Josh Flagg says Ben Affleck might actually be putting down roots in Brentwood as opposed to it being a pit stop ...

telling us he's heard the guy might be quietly buying a pad there. We got the 'Million Dollar Listing' star at the Plaza Hotel in New York City -- and our photog asked him about Ben and Jennifer Lopez publicly listing their Beverly Hills mansion for $68 million ..



. and what the implications for that might be big picture. Remember .

.. Ben and Jen only just bought the place in 2023, and Josh says the quick flip here makes it look like they are getting divorced .

.. something we've been reporting is going to happen for a while now.

We broke the story ...

Ben and J Lo were quietly trying to sell the estate off-market -- but it clearly didn't work out, and now they've going public with the house sale. As you know ..

. Ben's been staying in a Brentwood rental since moving out of the marital Bev Hills mansion, and J Lo's been spending a lot of time on her own too ..

. first in Europe, and then more recently in New York to celebrate her birthday week . But, get this .

.. Josh says he recently heard Ben was quietly in escrow on something in Brentwood .

.. so BA may not be renting anymore after all -- at least that's what JF's floating.

As for the Bev Hills mansion -- which Ben and Jen paid over $60 million for -- Josh explains why Bennifer might not be taking a huge financial hit ...

although, they definitely ain't gonna be turning a profit either. Interesting stuff all aroun.

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