10/03/2026
Keeping your current house can be a brilliant wealth-building move. It can also become an expensive way to avoid making a decision.
A low mortgage rate makes the rental idea feel almost too good to give up, but the mortgage payment is only one number. You need to know what the home could realistically rent for and what remains after property taxes, landlord insurance, maintenance, vacancy, management, HOA fees, and major repairs are accounted for.
If the property only produces income during a perfect month when the tenant pays on time, nothing breaks, and every dollar of rent reaches your bank account, the numbers are not finished. You also need to consider what keeping the property does to your next move. The equity you leave in the house may be the money you need for your next down payment, and carrying the existing mortgage can affect how a lender evaluates your new purchase.
Before you put a βFor Rentβ sign in the yard, compare both paths using real numbers.
If you are thinking about keeping your house as a rental, DM me the word RENT and your address. Iβll estimate the market rent, likely selling range, and the numbers you should compare before making the decision.