Your move-up decision

Two paths.
One clear decision.

Selling and buying, or keeping your current home as a rental - the milestones look the same either way: nine steps from a first conversation to building wealth. This is the path, so you always know what's next.

Steps9discovery to building wealth

Paths compared2sell and buy vs keep and rent

Questions4to find your path

Your decision journey, step by step

Step 1

Discovery

We review your goals, timeline, and take a first look at your equity, income, and risk comfort.

Both paths

Getting started

Step 2

Both paths run

Your real numbers for both paths - sell and buy versus keep and rent - side by side so the choice is clear.

Both paths

Numbers phase

Step 3

Path chosen

You pick the path that matches your goals, cash flow preference, and appetite for being a landlord.

Both paths

Decision made

Step 4

Get positioned

Lock in financing for the next home - either drawing equity or using sale proceeds, depending on your path.

Both paths

Financing phase

Step 5

Shop & offer

Your Realtor helps you find the next home and write a strong, competitive offer on your timeline.

Both paths

House hunting

Step 6

Prep the rental

If keeping, set the rent, get the home rent-ready, and line up a qualified tenant before closing.

Keep path

If keeping

Step 7

Close

Close on the next home - if keeping the old one, your existing mortgage stays in place as-is.

Both paths

Closing

Step 8

Move & lease

You move into the new home; if keeping, your tenant moves in and rental income begins immediately.

Both paths

Transition

Step 9

Build wealth

One or two properties growing equity - we review your full picture together every year.

Both paths

Ongoing

Four questions to find your path

Which path fits you? Start here - missing an answer? We work through it together, no pressure.

Need cash now?

If a large down payment or debt payoff is the priority, selling unlocks cash today.

If yes: Lean toward Path A, sell and buy
If no: Path B stays on the table

Would it rent near its payment?

If market rent covers the payment, keeping the property can pencil out.

If yes: Lean toward Path B, keep and rent
If no: Lean toward Path A, sell and buy

Okay being a landlord?

Even with a property manager, there is real oversight involved.

If yes: Path B stays on the table
If no: Lean toward Path A, simplicity wins

What is your #1 goal?

Cash flexibility and simplicity point one way; maximum long-term wealth points the other.

Path A: Cash flexibility and simplicity
Path B: Maximum long-term wealth building

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 - no obligation.

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You get: A full side-by-side: sell and buy vs keep and rent
Timeline: Numbers ready before you list or apply
Cost: Free, no obligation

{{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 material is shared by each party at its fair-market-value cost consistent with RESPA Section 8; no party pays for referrals. Consult a tax advisor. NMLS Consumer Access: www.nmlsconsumeraccess.org.