Ivan Cano Realtor

Ivan Cano Realtor Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Ivan Cano Realtor, Estate agent, El Paso, TX.

REALTOR® & Mortgage Loan Originator (NMLS #2795629)
Helping you buy, sell, invest & refinance the right way
El Paso + Nationwide | 📲 (202) 235-6131
🔗 linktr.ee/lifeaccordingtoivan

06/12/2026

Your home equity matters.

But the question is not just:

How much equity do I have?

The better question is:

What job does this equity need to do?

Do you need it for the next down payment?

Closing costs?

Paying off debt?

Lowering the next monthly payment?

Reserves?

Or can you afford to leave that equity in the current property and keep it as a long-term rental asset?

That is the key.

If selling the house gives you the cash you need to buy comfortably, selling may make total sense.

But if you do not need the equity to buy the next home, and the property works as a rental, keeping it may be worth considering.

That money has a job.

Figure out its job before deciding what to do with the asset.

06/11/2026

A lot of buyers ask:

Which is better, VA or conventional?

And I understand why they ask that.

But the real answer is:

It depends.

For who?

With what credit?

With what cash?

At what purchase price?

With what taxes?

With what insurance?

With what seller concessions?

With what timeline?

With what goal?

A VA loan can be better in many cases. It can offer 0 down, no monthly PMI, and flexible guidelines. It is a powerful benefit for veterans and active-duty military.

But conventional may make more sense in some situations too.

Maybe the buyer has a large down payment.

Maybe the property type or offer strategy changes the equation.

Maybe the buyer has a short hold period.

Maybe the payment comparison changes once you look at the full picture.

The loan program is not just a label.

The numbers and the strategy matter.

06/09/2026

The real question is not simply:

Should I sell or rent?

The better question is:

What position am I in if I sell?

And what position am I in if I rent it out?

That is the entire framework.

Selling may give you cash, reduce debt, help with the next down payment, simplify the mortgage file, or give you breathing room.

Renting may create income, preserve the asset, and support a longer-term plan.

But either option can be the wrong move if the numbers do not support it.

Do not decide based on emotion alone.

Run both scenarios and look at the position each one creates.

06/08/2026

A lot of buyers get frustrated because they have good income, but their mortgage approval is lower than expected.

I see this all the time.

Many times, the issue is not the income.

It is the existing debt.

Car payments, credit cards, student loans, personal loans, child support, and other monthly obligations can all affect your buying power.

That is why the approval is not based on income alone.

The lender is looking at the full picture.

Income matters.

But debt matters too.

Before you start shopping, it helps to understand how your current monthly obligations affect the payment and price range that actually make sense.

06/07/2026

The VA loan is powerful.

But it is not magic.

It can be one of the best homebuying tools available when used correctly.

0 down.

No monthly PMI.

Flexible guidelines.

A powerful benefit for veterans and active-duty military.

But a VA loan being powerful does not mean every VA deal is automatically a good decision.

And 0 down does not mean 0 strategy.

The real question is not just:

Can I use my VA loan?

The better question is:

Does this VA loan structure put me in a better position after I buy?

That means looking at the payment, funding fee, taxes, insurance, cash you keep, seller concessions, PCS timeline, how long you plan to own the home, whether it could become a rental later, whether refinancing may make sense later, and whether the payment actually fits your life.

The VA benefit is powerful.

But the structure still matters.

06/06/2026

Should you sell your current home or rent it out before buying another one?

The right answer depends on your numbers.

If you sell, you want to know:

How much cash do you walk away with?

What debts can you pay off?

What down payment can you make?

What payment can you afford?

How much money do you have left after closing?

If you rent it out, you want to know:

Will it actually cash flow?

Can you use that rental income to qualify?

Can you carry both homes if needed?

Do you have reserves?

Do you want to manage a rental?

Does this support your long-term financial plan?

That is why this decision should not be based on emotion alone.

Selling can be the right move.

Renting can be the right move.

But you need to know what position each option puts you in.

06/04/2026

Your PCS timeline matters when buying with a VA loan.

If you are planning to stay in the home for 5, 7, or 10 years, that is a very different decision than buying when you may move in 2 or 3 years.

That does not mean buying is automatically wrong.

It means the strategy needs to match your timeline.

If there is a decent chance you may PCS soon, you need to think through the exit plan before you buy.

Could the home become a rental?

Would the payment make sense as a rental?

Would the area support rent demand?

Would the property be easy to maintain from a distance?

Do you have enough cash reserves if something breaks?

Would selling quickly wipe out your equity?

Those are real questions.

The VA loan is a powerful tool, but the plan needs to fit your life.

A buyer who may PCS in 2 years and a buyer planning to hold for 10 years should not automatically make the same decision.

06/03/2026

Should you sell your current home or rent it out before buying another one?

Do not decide based on emotion alone.

Some people say, “I do not want the headache.”

Some say, “I do not want to lose the house.”

Some say, “I just want the cash.”

Others say, “Rentals are how people build wealth.”

Any of those may be true.

But emotion by itself is not enough.

That is why we run both scenarios.

The real question is not simply:

Should I sell or rent?

The better question is:

What position am I in if I sell?

And what position am I in if I rent it out?

From a mortgage standpoint, selling first is usually the cleanest path. The current mortgage, property taxes, insurance, and debt obligation may be removed from the file. If there is equity, that equity may help with the next down payment, closing costs, reserves, debt payoff, or simply give you more breathing room.

The right answer depends on your numbers.

🏡 Updated Central El Paso Home | 3 Bed | 2 Bath | 1,161 Sq FtLooking for an affordable home that's already been updated?...
06/03/2026

🏡 Updated Central El Paso Home | 3 Bed | 2 Bath | 1,161 Sq Ft

Looking for an affordable home that's already been updated?

This charming single-story home features:
✅ 3 Bedrooms
✅ 2 Bathrooms
✅ Updated kitchen and bathrooms
✅ Spacious living and dining areas
✅ Large backyard with room to grow
✅ Convenient Central El Paso location

The open layout creates a comfortable flow for everyday living, while the updated finishes give the home a modern feel. Whether you're a first-time buyer, downsizing, or simply looking for a move-in-ready home, this one deserves a look.

💡 Most buyers focus on the price. Smart buyers focus on the monthly payment.

Want to know:
✔️ What this home would cost monthly?
✔️ How much you'd need to bring to closing?
✔️ Whether buying now makes sense for your situation?

📲 Call or text (202) 235-6131

Or start here:
👉 https://apmobile.apmortgage.com/dr/c/yacia

No pressure—just clarity.



https://www.flexmls.com/share/E4yvW/371-MEDINA-Street-El-Paso-TX-79905

06/02/2026

Should you sell your current home or keep it and rent it out before buying another one?

Most people answer that question too fast.

Some people say, “Sell it. I don’t want to be a landlord.”

Other people say, “Never sell real estate. Keep it and rent it out.”

But both answers are incomplete.

Because this is not just a real estate question.

It is a financing question.

A debt-to-income question.

An equity question.

A cash flow question.

A risk question.

A lifestyle question.

And in some cases, it can completely change whether you qualify for the next home or not.

Before deciding, run both scenarios.

What happens if you sell?

What happens if you rent it out?

The right answer depends on your numbers.

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El Paso, TX

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