10/21/2026
You have a great mortgage rate.
Youâre ready to move.
So obviously you should keep the old house as a rentalâŚright?
Not necessarily.
A low mortgage rate is valuable.
But a low rate does not automatically make the property a good investment.
This week on Why Invest Wednesday, Iâm breaking down the numbers homeowners should actually look at before deciding whether to sell or become a landlord.
Weâre talking about:
đ Realistic sale value
đď¸ Realistic rental income
đ° Actual cash flow after expenses
đ Return on the equity sitting in the property
đŚ How keeping the house affects financing on your next home
đ§ž Tax considerations
đ§ Repairs, maintenance, vacancy, and management
đ And what else your equity could be doing
Hereâs the question I want every homeowner to ask:
If someone handed you the equity from your home in cash today, would you use that money to buy this exact house as a rental property?
If the answer is yes, keeping it may make a ton of sense.
If the answer is no, your low mortgage rate may be distracting you from the bigger picture.
Thinking about moving around Denver Metro or Northern Colorado?
Send me the address before you decide.
Letâs look at what selling and renting actually look like side by side.