Renting isn't throwing money away — and buying isn't always the smart move. This compares the real, long-term cost of each so you can decide with numbers, not gut feel.
This is an educational estimate, not financial advice. "Net cost" reflects everything you pay minus what you get back: for buying, your equity at sale after appreciation and selling costs; for renting, the growth on the cash you didn't tie up in a down payment, invested at the return you set. Property tax, insurance, and maintenance are held at today's dollars, PMI is estimated when you put under 20% down, and the comparison can't capture intangibles like stability or the freedom to move. For real numbers tailored to your situation, let's talk.
If the numbers lean toward buying, the next step is knowing what you can actually qualify for — especially if you're self-employed. That's where I come in.
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