Episode #681
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Should you sell your house right now or turn it into a rental property? In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench dive deep into one of the biggest financial decisions you’ll ever make with their guest Sean. He is sitting on serious equity but isn’t sure what his next move should be. We break down his entire financial situation using a custom spreadsheet model that analyzes net worth, mortgage rates, rental income potential, cash flow projections, and long-term wealth building strategies. This isn’t just theory—we’re crunching real numbers to show you exactly how to think through this decision.

We examine market conditions, tax implications, opportunity costs, and the hidden expenses most people forget when they become landlords. Whether you’re dealing with a primary residence, investment property, or house hack situation, this episode gives you a replicable decision-making process you can use for your own real estate choices.

By the end of this episode, you’ll understand the financial trade-offs between liquidity and long-term appreciation, how to calculate true rental yields, and when holding onto property actually destroys wealth instead of building it. If you’re facing a similar decision or planning your real estate exit strategy, this is the most comprehensive breakdown you’ll find anywhere.

00:00 Should You Sell or Keep Your House?
01:17 Financial Overview: Net Worth, Income & Equity
02:33 Mortgage Rate Analysis and Current Housing Market Conditions
03:07 Rental Property Cash Flow Calculator
13:41 Hidden Rental Property Expenses and Long-Term Investment Returns
19:30 How Selling vs Renting Impacts Your Cash Flow and Net Worth
21:11 Net Worth Projections: Sell Now vs Hold 5, 10, 20 Years
23:27 Rental Property Cash Flow vs Home Sale Proceeds Analysis
24:29 Best Time to Sell Your House
26:26 Which Option Builds More Wealth?
31:14 Final Verdict: Should You Sell Your House Now?