Real Estate by Debbie Reynolds: Should I Consider Buying If I Am Only Staying 2 Years?

Should I Consider Buying If I Am Only Staying 2 Years?

 Should I Rent or Should I Buy?

Rent or buyThis is a good question and many home buyers ask this when they move to Clarksville, TN. You see Clarksville is a military town and the Army can be very unpredictable and move soldiers around much sooner than was planned. Even with being told the job is going to last 2 to 3 years, buyers are skittish in purchasing a home when they know they are sure to be leaving the area in the future.

There are several things to take into consideration if you are considering buying but not going to be staying long term in the area.

  1. Do you have pets? Many times you will not be able to rent a home if you have certain types or numbers of pets. This is a good reason to buy your own home and to get one with a fenced yard.
  2. The market may not have any rentals available. Rents can be high but more than that, they may be scarce or in locations you do not want to live. Buying may be better for you and give you more options.
  3. Do you like having you own home and the freedom to decorate, paint, landscape the way you want? If this is true then buying a home even for a shorter term period can be very satisfying and make you happy.
  4. If you indeed move in a couple of years, the market may have appreciated and you may have no trouble selling your home. On the other hand, if that is not the case and it doesn't sell, homes in Clarksville rent rather easily and this could be the start of a good investment portfolio.
  5. For those with a VA Eligibility, you can buy with no money down and sellers in Clarksville are still paying a bulk of the clsing costs for the buyer. This means that buying could be more affordable than renting and paying high deposits and first and last month's rent.

Check out the available homes for sale in Clarksville TN. You might just see one you like.

Above all, you need a good agent that can help you sort it out and show you your options. When you want to consider whether buying is for you, contact The Real Debbie Reynolds at 931-320-6730.

 Centruy 21 Platinum Properties2130 Wilma Rudolph Blvd.

Clarksville, TN 37040

When you need Real Estate services in Clarksville TN

                  it would be my pleasure to assist you!                             

Debbie Reynolds
"The Real Debbie Reynolds"

Check out all Clarksville TN Real Estate on My Website

931-771-9070 Office | 931-320-6730 Cell

Clarksville TN Homes 


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Comment balloon 61 commentsDebbie Reynolds • June 13 2017 01:28AM


I can see the pro's and cons of both sides. But it certainly is a good question for anyone that's in a job where they may need to relocated every few years. You give several good reason why buying would be a good idea. I've moved 5 times in my life and every time you  move, you leave a little bit behind in every town. God bless the military families that have to do it so often. 

Posted by Stavrula "Sam" Crafa, RNC,GRI, CDPE, PSA, Providing the integrity and service you deserve. (Future Home Realty) 6 months ago


As usual you have made excellent objective points on this very important subject.  A

Posted by Ron and Alexandra Seigel, Luxury Real Estate Branding and Marketing (Napa Consultants) 6 months ago

If its more affordable then renting with no or little down and you get some appreciation or at least a bit more then the price you bought it for..then its a no brain-er. Thanks for sharing with us.

Posted by LLoyd Nichols, SW Florida Homes (Premier Florida Realty of SWFL) 6 months ago

Debbie Reynolds - You've given buyers that may only be in the Clarksville area for a short period of time some really good advice on why they should buy rather than rent!  You're the agent to call for more information and help!

Posted by Laura Allen, Lake Tahoe - Truckee Real Estate for Sale, Tahoe Real Estate Agent Helping Buyers and Sellers (Coldwell Banker, Tahoe City, CA (530) 414-1260) 6 months ago

#6 would be a more direct version of #4

Are you opposed to being a landlord? Because you can keep it and rent it out after you move on and have a tenant pay it off for you!  I ask this one all the time.

Posted by Thomas J. Nelson, Realtor,CRS,e-Pro, Co-Host of Mail-Right's: Real Estate Agent Podcast (Big Block Realty 858.232.8722) 6 months ago

This is a good question buyers must consider before buying a house. It should be based on their needs and desires. 

Posted by Gita Bantwal, REALTOR,ABR,CRS,SRES,GRI - Bucks County & Philadel (RE/MAX Centre Realtors) 6 months ago

Good morning, Debbie... one of those questions that has no easy or universal answers... so much depends on an individual's circumstances and their particular market.

Posted by Nina Hollander, Your Charlotte/Waxhaw/Fort Mill Area Realtor (RE/MAX Executive | Charlotte, NC) 6 months ago

Purchasing a house, knowing you may be moving in a few years, can still be the best choice! Renting it out and having a long-term investment home (or future retirement home) can be a smart move.

Posted by Kat Palmiotti, The House Kat (Grand Lux Realty, 914-419-0270, 6 months ago

Debbie, this is a great question and varies so much on individual circumstances. You provide buyers with a lot to think about in the post and when they work with you first hand guidance on making the decision that's best for them.

Posted by Amanda S. Davidson, Your Alexandria Virginia Real Estate Agent (Amanda Davidson Real Estate Group) 6 months ago

Debbie, we were on the same topic this morning!   Great post with valuable information.

Posted by Joan Cox, Denver Real Estate - Selling One Home at a Time (Metro Brokers - House to Home, Inc. - Denver Real Estate - 720-231-6373) 6 months ago

Good morn in g Debbie. This is excellent. Never would have thought about pets or the other things you mentioned.

Posted by Sheila Anderson, The Real Estate Whisperer Who Listens 732-715-1133 (Referral Group Incorporated) 6 months ago

To me, reason #4 is why I'd buy Debbie Reynolds .  If you moved a lot, you could end up with quite a collection of rentals!  

Posted by Jim Cheney, Rincon Valley Realtor 707.494.1055 (Saint Francis Property Santa Rosa, CA) 6 months ago

You made some great points on the value of buying versus renting Debbie.  We struggle with people wanting to rent here, but good rentals are hard to find.

Posted by Sybil Campbell, REALTOR® ABR, SFR, SRES Williamsburg, Virginia (Long and Foster REALTORS® 5234 Monticello Ave Williamsburg, Virginia) 6 months ago

When I deal with a client like this I urge them not to buy new construction. Once you buy new construction the cost approach is devalued and the comp approach takes precedence so you get an initial depreciation that makes selling without bringing money to closing very difficult.

Posted by Joe Pryor, REALTOR® - Oklahoma Investment Properties (The Virtual Real Estate Team) 6 months ago

Hi Debbie - I have to agree that there are more upside options to owning in Clarksville. 

Posted by Grant Schneider, Your Coach Helping You Create Successful Outcomes (Performance Development Strategies) 6 months ago

This is excellent advice to share. This question is pondered by many military families.

Posted by Roy Kelley, Roy and Dolores Kelley Photographs (Realty Group Referrals) 6 months ago

Hi Debbie - That's a great question and you have provided excellence guidance. We're working with a buyer right now that is in that exact situation, and for him, buying was the right move.

Posted by Dick Greenberg, Northern Colorado Residential Real Estate (New Paradigm Partners LLC) 6 months ago

Hi Debbie, 

I don't think you could have laid out a better case to buy versus renting!  Very nice job. 

Posted by Sheri Sperry - MCNE®, (928) 274-7355 ~ YOUR Solutions REALTOR® (Coldwell Banker Residential Brokerage) 6 months ago

I totally agree with each of your points, Debbie Reynolds and excellent idea to share these too. We have a lot of resident/intern programs at our local teaching hospital and they often wind up paying out the nose for a rental. There they can't have pets or perhaps they have small children and want a yard - not rent an apartment, etc.  To me, it just makes more sense to purchase. 

Great post!

Posted by Debe Maxwell, CRS, Charlotte Homes for Sale - Charlotte Neighborhoods ( | The Maxwell House Group | RE/MAX Executive | (704) 491-3310) 6 months ago

My neighbor did it. He stayed just 1 year came out 35K ahead.  Homes were both appreciating.... Previous owner was not so lucky he lost almost all his fortune not wanting to sell it short. Timing is everything.

Posted by Sam Shueh, mba, cdpe, reopro, pe ( (408) 425-1601) 6 months ago

First, excellent points to consider.  Great job. It's interesting to read the realtor POV here. As a regular homeowner (and someone who strongly believes in home ownership), I would never consider this option.  IMO 2 year is too short a time frame and I would not want to be a landlord in general and especially if I lived out town...and/or would be wanting to buy in another location.  Way too risky for my blood. I'd rather invest elsewhere.

Posted by Debbie Gartner, The Flooring Girl & Blog Stylist -Dynamo Marketers (The Flooring Girl) 6 months ago

Hi Debbie

It's a question I hear too, as well, with Camp Pendleton just north Oceanside. These are some excellent points to consider depending on the financial situation.


Posted by Jeff Dowler, The Southern California Relocation Dude - Carlsbad (Solutions Real Estate ) 6 months ago

I feel like you should know that you can sell this piece of property because it's highly in demand is that special exception.

Posted by Laura Cerrano, Certified Feng Shui Expert, Speaker & Researcher (Feng Shui Manhattan Long Island) 6 months ago

I hadn't realized this was a question a lot of people ask in general but it's fascinating and I Think it's a good case study.?@jdowler

Posted by Laura Cerrano, Certified Feng Shui Expert, Speaker & Researcher (Feng Shui Manhattan Long Island) 6 months ago

Maybe if he bought at a great price, maybe needed a little upgrading that brought up the value of the house.

Posted by Steven Nickens, R(S)GRI ABR, Maui Real Estate Hawaii (Elite Pacific Properties Maui) 6 months ago

Reason #4: if you move, you can turn the home into a rental! Buyers should consider this up front and buy something that is marketable as a rental. They can get into a home that is more affordable than a rental and then rent it out themselves to start building long-term wealth.

I avoided purchasing for most of my military career because I always figured I would be moving soon. When I did eventually buy, I sold every move. If I had held onto those homes, I would have three nice rentals with a combined value of around $1million and a 46 years of combined equity building!

I wish you hadn't reminded me of that. ;)

Posted by Nathan Gesner, Broker / Property Manager (American West Realty & Management) 6 months ago

I wouldn't recommend buying if you know you are only going to be there for two years.  I certainly wouldn't.  A VA loan might get you in with no money down but I think a lot of those fees are rolled into the loan balance, they aren't free.  Add to that the 6% commission you'll have when you sell and you end up with needing about 10% appreciation to break even in two years.  What if the HVAC breaks down or other things happen?  Sure you can rent it out but do you want to become an out of town landlord?  Is that in your skill set?  Think it all the way through before you decide.

Posted by Tim Maitski, Truth, Excellence and a Good Deal (Atlanta Communities Real Estate Brokerage) 6 months ago

Hi Debbie, my first Broker didn't believe in owning a home, he always rented, that's what worked for him and he probably had his reasons but most would disagree with him. You've listed great reasons why buying a home is a good option.

Posted by Beth Atalay, Cam Realty of Clermont FL (Cam Realty and Property Management) 6 months ago

Good morning Debbie Reynolds ,

Good question and one that many ask especially in your area with Clarksville being a military town. You have provided some good food for thought for those asking that question.

Posted by Dorie Dillard, Serving Buyers & Sellers in NW Austin Real Estate (Coldwell Banker United Realtors® ~ 512.346.1799) 6 months ago

We have the same concerns here in San Diego, as we are a military town. Appreciation is always good here, but the cost to sell often in a short turn time is a concern. Once people live here they usually want to return, so keeping a home as a rental allows them to come back without having to pay the now appreciated price. That gives people the chance to come back to San Diego when they otherwise might not be able to afford it.

Posted by Matt Brady, Lending With Competence And Character (Skyline Home Loans) 6 months ago

Good points to consider for anyone moving to the Clarksville area.

Posted by Nick & Trudy Vandekar, 610-203-4543, Tredyffrin Easttown Realtors, Philly Main Line (Long & Foster Real Estate Inc 610-225-7400) 6 months ago

Great post, Debbie.  I have found that it easier in some cases to buy. In some cases the downpayment is less than first, last and security and the addition of a pet or pets, usually requires an additional deposit and that's if the landlord will even consider a pet. 

Also, I recently had a young family trying to find a rental.  Their income and credit are decent, but he had a brush with the law several years ago and most of the landlords will not consider someone with a felony on their record.  It has been a challenge to find them a rental.  They  are now looking into purchasing.

Posted by Chris Lima, Local or Global-Allow me to open doors for you. (Atlantic Shores Realty Expertise) 6 months ago

Only if the buyer buys a truly undervalued property with real equity the day of the purchase. Typically these will be bank owned fixer uppers. The buyer should get an FHA 203k loan so the house can be fixed up fast and professionally.

Posted by Dave Halpern, Louisville Short Sale Expert (Keller Williams Realty Louisville East (502) 664-7827) 6 months ago

I guess the bottom line is if this is an appreciating area, or if they would be wiling to hold the home as a rental once they go. IF not, they me be in for a loss, if they know they are selling that quiclkly. Good points to consider in the blog

Posted by Christine Kankowski 6 months ago

Good points. Thanks for sharing. 

Posted by M SQUARE, Broker Associate & Licensed Architect (Realty One Group Alliance) 6 months ago

Great points Debbie & glad you mentioned the possibility of using VA financing.  This product often makes buying a much better option for our veterans.


Posted by John Meussner, #MortgageMadeEasy Walnut Creek, CA 484-680-4852 (Mason-McDuffie Mortgage, Conventional Loans, Jumbo Loans, FHA, 203(k), USDA, VA,) 6 months ago

You've raised valuable questions on whether someone should buy or rent if only going to be in one city for a couple of years. It certainly helps that Clarksville is a military town for a number of reasons.

Posted by Pat Starnes, Brandon, MS, Broker Associate, ABR, 601-278-4513 (Front Gate Real Estate) 6 months ago

These are important decision. I am sure that if there is a deal around you would be able to find it and thus it would be a postive experience for your buyers.Even if they sold after only 2 years. As Sam Shueh mentioned its a lot about timing.

Posted by LLoyd Nichols, SW Florida Homes (Premier Florida Realty of SWFL) 6 months ago

Though there are many animal lovers here in the area, most will not rent their homes to people who have pets. Buying is a fantastic idea right now, whether for two years only or a lifetime! Great post Debbie!

Posted by Wanda Kubat-Nerdin - Wanda Can!, So Utah Residential, Referral & Relocation REALTOR (PK Real Estate Utah South) 6 months ago

Debbie, you present well reasoned points in favor of buying in the short term, though professional advice should involve a balanced discussion of the pros and cons of buying, especially for a short term purchase.  A rent v. buy analysis is a good start, but prospective buyers are entitled to complete discussion, which includes the down side, too.   It's the difference between being a professional service provider vs. a sales person simply out for the commission.

Posted by Brian L. Sirota, Esq., For Solutions: (714) 501-7660 (Bristar Realty (Realtor/Attorney)) 6 months ago

Great points about the advantages of owning, even for a short term. Thanks for sharing, I may have to use some of these points!

Posted by Stephen Turner, The BIG Guy of NEW HOME SALES (Coldwell Banker Residential Brokerage) 6 months ago

It's a good question and most of the time it makes more sense to rent.

Posted by Olga Simoncelli, CONSULTANT, Real Estate Services & Risk Management (Veritas Prime, LLC dba Veritas Prime Real Estate) 6 months ago

Dear Debbie,

If they can rent for at least what they are paying in mortgage or preferably a little more, I would always suggest buying. Once they move, rents may have risen enough to cover some property management. If you keep the home for the 30 years of a mortgage, someone else will pay it off for you. Pretty sweet deal. All you need to do then is save for your next down payment.

Posted by Dörte Engel, ABC - Annapolis, Bowie, Crofton & rest of Maryland (RE/MAX Leading Edge) 6 months ago

This is a great question and one I got asked recently.  Great answer 

Posted by June Piper-Brandon, Piecing Dreams One Home at a Time (Remax New Beginnings) 6 months ago

Excellent question!  In your transient market I bet you hear this a lot.  I think it's a great idea unless there are signals that the market is not appreciating.  But the pet situation is a definite reason to buy.  I'm dealing with that right now with a buyer.  Their 2 dogs are large breed and not many homeowners insurance policies will allow those "dangerous" breeds. 

Posted by Jan Green, HomeSmart Elite Group, REALTOR®, EcoBroker, GREEN (Value Added Service, 602-620-2699) 6 months ago

All in due time I suppose. But you did the right thing and you're doing the right thing throughout your career, Debbie

Posted by Laura Cerrano, Certified Feng Shui Expert, Speaker & Researcher (Feng Shui Manhattan Long Island) 6 months ago

Congratulations on the featured post. I hope consumers will read it.

Posted by Gita Bantwal, REALTOR,ABR,CRS,SRES,GRI - Bucks County & Philadel (RE/MAX Centre Realtors) 6 months ago

Great points to consider.  Appreciation is wiped out with the cost to sell the property, however, a buyer should consider all your great points and make an informed decision!

Posted by Shirley Coomer, Realtor, Keller Williams Realty, Phoenix Az (Keller Williams Realty Sonoran Living) 6 months ago

Debbie Reynolds "Buying may be better for you and give you more options."

Right on target - and - re-blog!

Posted by Tony and Suzanne Marriott, Associate Brokers, Serving Scottsdale, Phoenix and Maricopa County AZ (Haven Express @ Keller Williams Arizona Realty) 6 months ago

based on the Headline. there are definitely more pro's than con's to buying a home even in a a short time period.  I think It highly depends on what are the plans after the 2 year change.  Most importantly are they going to have an income that can afford paying the mortgage after 2/nd year. that is unless they pay cash for the property which is about 30% in some areas. Real estate has a lot of commonalities like insurance. Each and every deal is different and have their own set of challenges. In general, your right, real estate has been one of the most solid investments one could ever make and gives you a lot of freedom. It can make you rich, but on the flip side, it can also take you down a very frustrating path if you run out of money. Uncertainty and stress can also lead to mental and physical health problems which we usually don't take into consideration in real estate.  post really got me thinking.... have a great day my Realtor buddies...

Posted by Doyle Lee Austin Davison Iv, 28+ years serving Investors/Banks/Buyers/sellers (Surf City Realty 714-968-6767) 6 months ago

I think one should buy if they are able even if it's two years..And you definitely gave some good pointers on why should be in that area..

Posted by Dr. Karen Jones Lewis, MBA, Broker, Residential for Sellers and Buyers in S. Broward (K1 Realty Group) 6 months ago

Great post Debbie.  Why not reap homeowner benefits for those two years.  Rentals are usually a good investment or resale and move on. 

Posted by Melissa Jackson, REALTOR® Matching Buyers & Sellers (United Country Real Estate FW) 6 months ago

That is what I believe too, Melissa Jackson. Some buyers are just scared.

Posted by Debbie Reynolds, Your Dedicated Clarksville TN Real Estate Agent (Platinum Properties) 6 months ago

Hi Karen, With rising costs it looks like it would be a good investment worth considering.

Posted by Debbie Reynolds, Your Dedicated Clarksville TN Real Estate Agent (Platinum Properties) 6 months ago

Doyle Lee Austin Davison Iv, my dad was one of those they did not do well with ownership. He sold and rented the last 20 years of his life and that made hime happy.

Posted by Debbie Reynolds, Your Dedicated Clarksville TN Real Estate Agent (Platinum Properties) 6 months ago

Thanks Tony and Suzanne Marriott, Associate Brokers. I appreciate you sharing the post.

Posted by Debbie Reynolds, Your Dedicated Clarksville TN Real Estate Agent (Platinum Properties) 6 months ago

Gita Bantwal, I sure hope they will read it too.

Posted by Debbie Reynolds, Your Dedicated Clarksville TN Real Estate Agent (Platinum Properties) 6 months ago

Hi Shirley Coomer, Some neighborhoods will not bring a good return but there can be other advantages.

Posted by Debbie Reynolds, Your Dedicated Clarksville TN Real Estate Agent (Platinum Properties) 6 months ago

My son recently bought a house in Nashville. He is a first-time home buyer. His original plan was to sell in 2 years which concerned me given our hot seller's market. Clearly, anything purchased right now is over-priced. However, given high rental rates, his mortgage payment will be less than rent. The house is adequate to stay longer than 2 years. If he does decide to make a move and the market has declined, he'll have no problem renting this house.

Posted by Tammie White, Broker, Franklin TN Homes for Sale (Franklin Homes Realty LLC) 6 months ago

All great points to consider if the buyer is suitable financially and that is precisely what Brian Sirota, #40, alluded to. Another real estate opportunity with always in demand rentals are located near college campuses. Opportunities are never lost, someone will always take action and reap the consequences. Great post. 

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