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Rent vs. Buy.

Evaluate the true long-term financial reality of renting against owning property.

Buying Scenario

Purchase Target

Down Payment

Mortgage Rate

Annual Property Tax

Annual Insurance

Est. Annual Appreciation

Renting Scenario

Monthly Premium

Annual Rent Increase

Investment Horizon

Years

Verdict over 7 years

Model Recommendation

BUY

Net Buy Cost (Including Equity)

True cost to own, subtracting the equity you get back at sale.

$248,600

Total Capital Burn Rate (Rent)

100% loss of capital passed to landlords over the horizon.

$199,500

Break-Even Threshold

Years required for owning to mathematically overtake renting.

4 yrs

Projected Home Value

$500,000

Total Equity Retained

$186,400

Keep Modeling

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Calculate exact maximum credit limits for a Home Equity Line of Credit based on cumulative Loan-to-Value (CLTV) thresholds.

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Maximum Affordability

Calculate exactly how much home you can afford based on Debt-To-Income (DTI) thresholds, downpayment cash, and prevailing rates.

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Mortgage PITI Engine

Deconstruct Principal, Interest, Taxes, and Insurance. Render a flawless amortization schedule to map out exactly when your property becomes 100% equity.

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