09/11/2026
Want to move, but the rental question is holding you back?
One of the biggest questions I hear from homeowners is:
âCan I buy my next home without selling this one first?â
A recent Fannie Mae guideline update may create more flexibility for qualifying homeowners who want to keep their current residence as a rental.
Instead of necessarily having a signed lease in place before closing, qualifying rental income may be supported by market-based rent documentation, such as:
⢠An appraisal that includes market rents
⢠Form 1007 (Rent Schedule)
⢠Three comparable rental properties from Redfin, Zillow or the MLS
For Tri-Valley homeowners in Pleasanton, Dublin, San Ramon and Danville, this is worth exploringâespecially if youâve been thinking:
âShould we sell our current home or keep it as an investment?â
The answer isnât simply about what your home could sell for.
It may also be about what it could rent for, how that income affects your next-home qualification, and whether keeping the property makes financial sense for your family.
If youâre on the fence about moving, letâs look at the numbers before you make the decision.
Nivi Das
925.750.8996
[email protected]
Fannie Mae guideline changes apply to applications dated November 1, 2026. Eligibility, documentation and rental-income treatment depend on the specific loan scenario. Consult your lender for qualification.