BiggerPockets Money Podcast Should You Keep or Sell Your House? (Best Choice for FIRE)
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Oct 3, 2025 The hosts delve into the pivotal decision of whether to keep or sell a home, guided by guest Sean's unique financial situation. They analyze complex variables like mortgage rates, rental income potential, and market conditions using a detailed spreadsheet model. Key trade-offs between liquidity and long-term appreciation are explored, alongside the costs of becoming a landlord. By the end, listeners gain valuable insights into making informed real estate decisions, ensuring they understand the implications of their financial choices.
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Host’s Personal Sell Example
- Scott joked he is selling one of his properties and called it the "PETA property."
- He used the example to acknowledge landlords sometimes sell despite a buy-and-hold bias.
Model Before You Decide
- Big financial decisions need detailed models and clear assumptions to compare selling vs renting your home.
- Scott built a spreadsheet to quantify cashflow, net worth, taxes, and alternative returns to make the choice objective.
Plug Real Inputs In
- Estimate realistic inputs: current value, mortgage balance/rate, taxes, insurance, and closing costs before deciding.
- Use conservative sales and rent assumptions and plug them into a model to see cashflow and net worth impacts.