BiggerPockets Money Podcast Which Path to Financial Independence Is Faster? Sell or Rent?
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Dec 26, 2025 Explore the dilemma of whether to sell or rent a primary home as Alyssa and John face a big decision. Discover the financial pros and cons of turning a home into a rental property while weighing lifestyle factors. Hear about the impact of low mortgage rates and the importance of cash flow analysis. Learn about capital expenditure risks and the realities of long-distance property management. Dive into the couple's financial analysis, including their significant net worth and rental income, revealing insights for a path to financial independence.
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Different Paths Into Investing
- Alyssa started investing after reading Rich Dad Poor Dad and bought multiple properties, including an Airbnb in Florida.
- John used steady military contributions over two decades to build low-cost index fund wealth.
Test Move By Renting First
- Try renting your primary home for a year to test a new location before committing to buy there.
- Use that year to evaluate neighborhoods and decide whether to keep or sell the Connecticut house.
Low-Rate Mortgage Changes The Math
- A 2.5% mortgage on a paid-off schedule creates unique decisions because low financing skews rent-versus-sell math.
- The accelerated payoff means keeping the house may produce substantial future cashflow once the mortgage is gone.
