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Keep It & Buy Again

Keep your low-rate home, put its equity to work, and buy your next home - two properties building wealth instead of one. Here is the path.

Steps9discovery to wealth building

Wealth engines4see the table below

Doors before you buy3this piece walks door two

Properties after2both working for you

Discovery

You

Your goals, timeline, and a first look at your equity.

Personalized analysis

You

Your real numbers in LendSight - cash flow and wealth, side by side.

Line of credit

Partner

Referral to a trusted credit-union partner to unlock equity - your {{example.origRate}} loan stays put.

Pre-approval

Lender

Get pre-approved for the next home.

Shop & offer

Agent

Your Realtor partner finds the home; write a strong offer.

Prep the rental

You

Set the rent, get the old home rent-ready, line up a tenant or manager.

Close

Title

Buy the new home; keep the {{example.origRate}} loan in place.

Move & lease

You

Move in; your tenant moves into the old home.

Build wealth

You

Two homes working for you. Review the plan together every year.

Cash flow (money in / out)

Rent collected	+{{example.rent}}
Less: payment (PITI)	See your analysis
Less: vacancy + upkeep	-{{example.reserve}}
Net monthly cash flow	+{{example.cashNet}}

Wealth building (equity growth / yr - kept home)

Appreciation (~4%/yr)	+{{example.apprYear}}
Principal paydown (tenant-paid)	+{{example.principalYear}}
Tax benefits (depreciation)	~{{example.depreciationYear}}
New home also appreciates	+{{example.newHomeApprYear}}

Example home value

Equity to work with

~{{example.tappable}}

Next home

10-yr kept-home equity

~{{example.keepEquity10}}

Already own? Three doors before you buy again

Sell & buy

Roll the proceeds from your current home into your next one - one property, one mortgage.

Keep & rent This path

Keep the low-rate loan in place, let a tenant help pay it down, and buy your next home alongside it.

Tap equity

Access equity through a line of credit with a partner lender instead of selling or renting - your primary loan stays untouched.

Which door fits depends on your equity, your appetite for a second property, and your goals. We walk all three with you before you commit to one.

Scan to find where you are

Open the interactive roadmap on your phone. Tap where you are today to see your next steps, missteps to avoid, and your free personalized analysis.

{{compliance.pendingLabel}} Equal Housing Opportunity. {{lo.company}}, NMLS #{{lo.nmls}} (Company NMLS #{{compliance.companyNmls}}). Figures and the example household are hypothetical and for illustration only; not an offer, quote, or guarantee. Rental income, appreciation, and tax treatment vary and are not guaranteed. HELOC products are offered by a third-party credit union, not {{lo.company}}; no rates or terms are quoted. This co-marketed seminar is cost-split by fair market value of promotion per RESPA; no party pays for referrals. Consult a tax advisor. NMLS Consumer Access: www.nmlsconsumeraccess.org.