V105 TOOL · RENT VS. BUY

Model both paths.

Compare owner equity with a renter investing the down payment and monthly difference.

DIRECTIONAL MODEL

CityTime horizon 10 yearsDown payment 20%Home appreciation 3.0%Portfolio return 5.0%

10-year advantage$148,386Renting ahead in this scenario

Home benchmark$635,000Average 2BR rent$1,914/moProjected owner equity$421,776Projected renter portfolio$570,161

Includes a 5% selling-cost allowance and 1.8% annual tax/maintenance allowance. Excludes income taxes, transaction differences and unexpected repairs. Not financial advice.