Most "renting is throwing money away" takes are rigged. This one lets the renter invest the down payment too — a fair fight — then shows your break-even year and the real net cost of each path.
The numbers are only half the decision — your life and timeline are the other half. Grab the free Playbook or book a coaching session and let's talk it through.
Get the Free Playbook →Estimates for education only — not financial or mortgage advice. Assumes property tax 1.1%/yr, insurance 0.4%/yr, and maintenance 1%/yr of home value; 3% buying closing costs and 6% selling costs; PMI ~0.6%/yr of the loan when under 20% down, dropping at 20% equity. The renter is assumed to invest the down payment + closing costs and any monthly savings at your chosen return. Real markets vary — treat this as a framework, not a forecast.