Most rent-versus-buy tools are built so that buying wins. This one counts upkeep, selling costs, and what your down payment would have earned if you had invested it instead.
Roof, water heater, plumbing, paint. Renters do not pay this; owners do.
This is the honest part most rent-versus-buy calculators leave out. A renter still has that cash and can invest it.
The single biggest factor. Buying rarely wins over a short stay, because the costs of buying and selling come off the top.
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Principal is not counted as a cost — it moves into your equity. Selling costs are assumed at about 7% of the sale price. Tax deductions are left out because they depend on your own return — ask your accountant.
Talk it through with LisaAn estimate for planning only — not a quote, pre-approval or guarantee. Your lender and escrow officer provide exact figures. Lisa Ng, REALTOR®, CA DRE #02240398 · eXp Realty of California, Inc., CA DRE #01878277.
Send me what you are looking for and I will run this on actual homes rather than assumptions.
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