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Sell vs. Keep

Should you sell - or keep it and build wealth?

Your current home

We'll compare cashing out vs. keeping it as an income property.

Today's home value
Mortgage still owing
Equity today: $510K
Rent it could earn
/mo
What a tenant would pay each month.
Mortgage rate
%
Yrs left on mortgage
yr
Yrs left: 22
Outlook
yr
Appreciation
%/yr
If invested
%/yr
Our recommendation
Keep & invest
Both paths work - it's about your goals
Cash if you sell$464K
Rental cash flow-$919/mo
Keep · 10yr net$896.2K
Sell · 10yr net$831K
Principal-residence sale is tax-free

Sell & move up

Cash out tax-free and roll your equity into a bigger home - locking in today's price before it climbs.

Tax-free cash freed$464K
Buys you a home up to$2.32M
Net worth in 10 yrs$831K
Recommended

Keep & rent it out

Convert it to an income property, buy your next home, and let tenants pay down a second asset.

Monthly cash flow-$919/mo
Asset value in 10 yrs$1.3M
Net worth in 10 yrs$896.2K
Projected net worth in 10 years
Keep & rent it out$896.2K
Sell & invest the cash$831K
Keeping & renting could leave you $65.3K richer - and you'd own two properties.
Get expert eyes

Want a second opinion on these numbers?

A local Team Homees agent can walk you through what this means for your next move.

RV
SR
Verified Homees agents · replies within 24h
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Local market expertise

Take your numbers with you

Download your sell-vs-keep strategy report. Earns +50 IQ.

Assumes principal-residence sale (tax-free); converting to a rental triggers a deemed disposition - future gains become taxable. Rental modelled with 1% tax, 0.8% maintenance, 4% vacancy. Guidance only - confirm with an accountant.

Keep going

Your next 3 moves
Home Value Check

Get a data-informed estimate first.

Open
Deal Analyzer

Underwrite the rental scenario.

Open
FSBO vs. Agent

If selling - compare your options.

Open