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Dear Dallas/Fort Worth homeowners,
Are you considering selling your home? Before you make a decision, let’s explore why NOT selling your home might be a financially savvy choice.  The plain fact is that rental demand for properties in DFW has never been higher so you might want to consider not selling but converting your current property into an investment property.  Lets explore the once in a lifetime economic factors that have come together that can transform your family's economic future while creating generational wealth for your children.  

1. Favorable Mortgage Rates

Currently, the vast majority of homes in America with mortgages enjoy historically low interest rates, typically averaging between 2.5% to 3%. This makes your current home very affordable in terms of monthly payments. If you’re thinking of moving up to a new home, you might encounter interest rates that are significantly higher — sometimes up to 250% more.                                   

Understandably, many homeowners are reluctant to commit to much higher mortgage payments. As a result, there’s low inventory in the housing market, which inevitably leads to upward pressure on home prices from the law of supply and demand.


2. Economic Boom in DFW

Dallas/Fort Worth has emerged as an economic powerhouse in the United States. Major corporations like Goldman Sachs, Caterpillar, Ameritrade, State Farm, Liberty Mutual, and Chase Bank are moving hundreds of thousands of well-paying jobs into our community. This influx of employment opportunities not only strengthens the local economy but also drives substantial price appreciation in the housing market. Additionally, DFW has one of the lowest cost of living of any major metropolitan area and very pro-business governmental policies which will only add more incentives for this to continue for as far as the eye can see. 


3. Financial Benefits of Renting Out Your Home

Consider this: the average mortgage payment is paying down the principal balance, typically between $800 to $1200 per month — that’s about $15,000 annually building equity in your property. In contrast, market rents often exceed current mortgage payments by $500 to $750 per month, adding an additional $10,000 or more to your net worth each year.             

The gain from NOT selling can be an increase of $30,000 -$60,000 dollars EACH year.   I just leased a home in Windsong Ranch in Prosper for July 2024 where the Client will easily make an additional $60,000 per year by NOT selling.  Ask and I can show you the home and the math!



4. Adding in Future Property Appreciation

Historically, homes in Dallas have shown robust appreciation rates, averaging between 4% to 5% annually.

If we take a median priced home of $400K then even with a conservative estimate of 4% annual appreciation, your home’s value would increase by $16,000 per year over the long haul.  Then the appreciation is now compounding off of the higher value.   Please look at the graphic to the side showing the anticipated price growth. 

Please remember though that as the home appreciates in value the tenant is paying off the mortgage each month!!   So as the value appreciates more and more of that is EQUITY to you and your family.  

In addition since a rental property is treated as a stand alone business ALL of the expenses relating to that are now tax deductible.  Things like homeowner's insurance, repairs, HOA payments, ever driving over to the property is 67 cents per mile as is any other driving for business.   I drove about 25,000 miles per year just on my work car as a Coldwell Banker Realtor and that means a tax deduction of $16,750 dollars so these things add up REALLY quickly.

Ever go back at the home you grew up in or sold in the past and were stunned at the home's market value today? 
If you sold a home say 4 or 5 years ago then you likely LOST $200,000-$250,000 dollars by not doing what I teach to Clients. 
  This is the nature of real estate values as they go up with  inflation and our government seems very fond of printing money these days.   Your  home will continue to appreciate in value and either that benefits you and your family as the current owner OR you give that equity away by selling it someone else. 
Why give all of that equity to someone who buys your home?   Keep the home and give the money to your children for a life changing event! 

5. Follow the massive Wall St investors.

Take note of the billions of dollars being invested in DFW real estate by some of the world's smartest investors. When Wall Street investment firms pour countless billions into our area, it's a clear signal that DFW real estate holds significant potential for growth and profitability.           

Following these institutional investors lead could prove advantageous for your financial future.   DFW is projected to surpass Chicago within this decade as the 3rd largest metropolitan area and we are dramatically short of homes.   

Warren Buffet just invested over a billion dollars in 2023 into home builders because of our chronic shortage caused by the natural reluctance to sell from current owners with 2.5% mortgages   These builders build predominantly in Texas and Florida and those are the two states that millions of Americans are moving to as we speak.   As an example.... New York City just last year had a net population loss of 561,000 people... so that is after births and people moving into NYC!   These are once in a lifetime changes to America and you can realize the gain by NOT selling. 


6. Expert Advisor: Rick Baker

You’ll have the advantage of working with Rick Baker, an exceptionally experienced Realtor who ranks in the top 4% of all Coldwell Banker agents in the world!    With over 25 years of personal investment experience and simultaneous ownership of dozens of rental properties, Rick specializes in building generational wealth through real estate for families like yours.

His guiding principle is simple: if a property is good enough for your family to live in, it's good enough to rent out.         

Rick aggressively protects his Client's financial interests and routinely has any number of Clients each year changing their lives and their children's lives by going from renting to homeownership to landlord.  Rick will be by your side as a non-paid consultant to advise you at any time on issues from tenant screening, lease negotiations, fighting property taxes, tips on how to save money on insurance etc.
He will never try to sell you some internet course or set of books.  All he asks is that you tell everyone that you know about how he helped your family to help grow his business. 

Massive Tax Benefits.

Real Estate creates massive "paper losses" to save you on taxes!
The IRS has created one of the finest gifts to an investor that most people are not even aware of and the power it holds. The IRS allows what is called "depreciation" for the normal wear and tear that a property experiences. So even if the property is skyrocketing in value on PAPER you are "losing" money due to depreciation and other facts. Call and allow me to explain how that works.
Real Estate is taxed completely differently
The money you earn as an investor is foreshadowed by the fact that an investment property is regarded as a stand alone business by the IRS. Therefore you are able to deduct expenses that if you were living in the home could not legally deduct. Those include repairs, cell phone costs, HOA dues, insurance, driving for any Real Estate activity are but a few of the many expenses that can be deducted. So you make MORE money but pay LESS in taxes!
TAX FREE income.
As a property appreciates and the tenant pays down the mortgage each month your net worth skyrockets . You can easily access that by pulling some of that equity out of the property through a 2nd mortgage. Rents increase due to the effects of inflation, market demand etc and those higher rents can therefore support a higher mortgage payment. This allows you to pull out lumps of cash TAX FREE since a loan is NOT income. In addition; unlike traditional income, there is not a portion that goes to the FICA taxes as well! FICA deducts 15.3% of your income PLUS your income tax. Both do not occur when done in this manner. When you add 15.3% for FICA and say 20% for income tax... You are losing 35.3% of the money. Think about it!
Positive Cash Flow above the mortgage amount
Most properties will generate a rental amount well above the mortgage you pay monthly. This is especially true if your property has an ultra low rate from 3 years ago of 2.5% or so. This massive deduction in your holding costs is one of the huge drivers for so many today to NOT want to sell their current home. The lower inventory that results from this will further drive prices even higher. Meanwhile the tenants are paying off the property to benefit your retirement and children's futures.


Choosing not to sell your home and converting it into an investment property could potentially yield over $40,000 per year in increased net worth when considering mortgage paydown, rental income exceeding mortgage costs, and property appreciation. In addition each year these numbers compound on themselves because each year because the tenant pays off more of mortgage balance every month and the price appreciation compounds the market value.  This strategy aligns with the unique economic trends in Dallas/Fort Worth, where low mortgage rates, unbelievable economic growth, a much lower cost of living when compared with other major cities and a tight housing market caused by once in a lifetime ultra low interest rates have created favorable conditions for current property owners.  Look around and everywhere you look there are massive apartment buildings being built by savvy Wall Street firms who already know what I just showed you.  Why sell the home and let the new owners brag to their friends about how much the home has appreciated?

Before making any decisions, we encourage you to have a conversation with Rick Baker from Coldwell Banker APEX who can provide personalized insights based on his 25 years personal investing experience that would create generational wealth for your children. 

Take advantage of the current economic climate and consider the long-term benefits of holding onto your property. It could be a decision that significantly enhances your financial future.   

By the way... When is the LAST Time an extremely experienced Realtor told you to NOT sell your home? 
So now that you have the facts......Are you opposed to having a frank conversation with someone who is NOT trying to sell you something?   If so please call or text Rick Baker with Coldwell Banker APEX, Realtors at 972-836-8880

Never Sell DFW Homes

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Elevate your real estate journey with Rick Baker, a top-tier real estate agent renowned for delivering truly remarkable service. Rick empowers clients through personalized insights, navigating the Dallas-Fort Worth real estate market.