Your keep-it-and-buy-again roadmap

Nine steps.
Two homes, one plan.

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, and the three doors homeowners weigh before they buy again.

The path, step by step

Step 1

Discovery

We review your goals, timeline, and take a first look at your equity to see if keeping the home pencils out.

Phase Plan

Step 2

Personalized analysis

Your real cash flow and wealth numbers in LendSight - both paths side by side so you can compare clearly.

Phase Plan

Step 3

Line of credit

We refer you to a trusted partner to unlock equity for the next down payment - your low-rate loan stays put.

Phase Position With Partner lender

Step 4

Pre-approval

Get pre-approved for the next home so you can shop with confidence and make strong, fast offers.

Phase Position

Step 5

Shop & offer

Your Realtor partner finds the right home and helps you write a strong, competitive offer.

Phase Shop With Realtor

Step 6

Prep the rental

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

Phase Position With You

Step 7

Close

Buy the new home; your low-rate mortgage on the kept property stays in place exactly as it is.

Phase Close

Step 8

Move & lease

You move into the new home and your tenant moves into the old one - both properties are now working for you.

Phase Close

Step 9

Build wealth

Two homes growing equity simultaneously - we review appreciation, cash flow, and your plan together every year.

Phase Operate

Already own? Three doors before you buy again

This roadmap walks the "keep and rent" door - here is how all three compare.

Sell & buy

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

After 1 property, 1 mortgage

Cash freed up

Ongoing responsibility

Wealth-building runway

Keep & rent

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

This roadmap's path After 2 properties

Cash freed up

Ongoing responsibility

Wealth-building runway

Tap equity

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

Primary loan Stays untouched After 2 properties

Cash freed up

Ongoing responsibility

Wealth-building runway

Properties you own after each door

Sell & buy 1 property

Keep & rent 2 properties

Tap equity 2 properties

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.

Scan to start

{{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.