04/20/2026
They believed upsizing was financially impossible right now.
But here’s the reality: They had significant equity sitting in their townhouse and had never looked at the full picture of what the next 12 months actually had in store for them.
Here’s what I told them:
Run the real numbers. Not just today’s numbers, but where you’ll be in 6 - 12 months
Equity can significantly reduce how much you’re actually borrowing
“We can’t afford it” often means “we’re only looking at right now”
Once they mapped it out, they realized there was a salary raise on the horizon, daycare costs about to phase out, and a healthy chunk of equity.
The projected mortgage was lower than expected and that scary monthly gap slowly closed itself.
They’d been saying no to more space based on a snapshot. The full picture told a completely different story.
If this sounds like your situation, here’s what you need to know: Your finances aren’t just what they are today.
Run the numbers for where you’re actually headed. You might be closer than you think!