Your move-up decision

Sell vs Keep-and-Rent

Two smart paths to your next home - use this matrix to see which one fits your goals, timeline, and risk comfort.

Your decision journey Discovery to building wealth, either path

Discovery

Both paths run

Path chosen

Get positioned

Shop & offer

Prep the rental

Move & lease

Build wealth

Factor	Path A - Sell & Buy	Path B - Keep & Rent
Cash in hand today	{{example.sellNet}} net proceeds	Keep the asset - no sale
Monthly cash flow	{{example.aCashFlow}} rental income	+{{example.bCashNet}} / mo net
10-year wealth	~{{example.aEquity10}} (one home)	~{{example.bEquity10}} (two homes)
Homes owned	One	Two
Landlord effort	None	Moderate - tenant / manager
Keeps the {{example.origRate}} loan	No - loan paid off at sale	Yes - locked rate stays
Best when...	You want cash + simplicity now	Long-term wealth is your #1 goal

Four questions to find your path

Do you need cash right now?

If a large down payment or debt payoff is the priority, selling unlocks {{example.sellNet}} today. Lean toward Path A.

Would it rent near its payment?

If market rent exceeds PITI, the property is cash-flow positive and keeping it pencils out. Lean toward Path B.

Are you okay being a landlord?

Even with a property manager there is oversight involved. If not, simplicity wins. Lean toward Path A.

What is your #1 goal?

Cash flexibility and simplicity point to Path A. Maximum long-term wealth building points to Path B.

Mistakes to avoid Three ways this decision goes sideways

✗Blending cash flow and wealth into one number. They are two separate pictures - a strong monthly cash flow path is not always the strongest 10-year equity path. Run both separately, never combined.

✗Skipping the landlord math. Vacancy, repairs, and management time are real costs - even a light-touch rental should pencil out on paper before you commit to Path B.

✗Waiting to run the comparison. Your rate, your equity, and market rents all move - the side-by-side is only useful with current numbers, not last year's.

Scan for your personalized side-by-side analysis

See your own numbers - free

Scan the code or reach out. We run your personalized Sell vs Keep-and-Rent side-by-side: your equity, your cash flow, your 10-year wealth picture.

{{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.