Buy-path net worth
$1,044,213
After 10 years
Sample report Example data for Foster City, CA. This is exactly how your real report looks.
Coastline Realty
Jordan Reyes · Broker
Decision analysis
Rent vs Buy Analysis
Compare buying in your target market versus renting and investing the difference.
Interactive sample
Your Rent vs Buy Scenario
- Target Market
- Your target market
- Target purchase price
- $1,765,000
- Comparable rent
- $6,500/mo
- Hold period
- 10 years
Verdict
Renting Looks Stronger
Renting and investing in your target market is projected to build about $383,998 more wealth over 10 years under these assumptions. Note: at the stated income, the ownership payment looks stretched by common lending guidelines.
Confidence: Sample
Key reasons
- Renting and investing has the stronger projected net worth.
- Principal paydown improves the buy-path net worth over time.
- Buying has a higher monthly payment than renting.
- Time horizon is a major driver of the result.
Rent-and-invest net worth
$1,428,211
After 10 years
Projected wealth difference
-$383,998
Rent path ahead
Estimated buy payment
$12,560/mo
P&I + ownership costs
Comparable rent
$6,500/mo
Market rent
Break-even
Not reached
Within 40 years
Payment-to-income
53%
Front-end DTI · 56% with debts
Est. tax benefit (yr 1)
$9,145
Itemizing beats standard deduction
Why this result?
What supports renting
- Renting preserves the down payment for investing.
- The rent + invest path has stronger projected net worth.
- Avoiding transaction costs helps the rent path.
What needs caution
- Higher monthly cost versus renting can pressure cash flow.
- Upfront cash needed to close reduces investable liquidity.
- Market risk could reduce the future value of the home.
- Maintenance and repairs remain the owner's responsibility.
What to verify / next
- Insurance and property tax estimates.
- Realistic maintenance and repair costs.
- Comparable homes in the target market.
- Updated plans or assumptions.
Scenario comparison
10 years outlook
Rent path
Rent and invest available cash.
- Monthly rent
- $6,500/mo
- Rent growth
- 3.5%
- Rent paid over 10 years
- $919,082
- Invested cash and monthly difference
- Yes
Total projected value after 10 years$1,428,211
Buy path
Buy in your target market.
- Target home value
- $1,765,000
- Remaining loan balance
- $1,197,339
- Non-principal carrying costs
- $1,437,736
- Estimated equity after 10 years
- $1,174,673
Total projected net value after 10 years$1,044,213
Renting and investing is projected to leave you $383,998 ahead over 10 years.
Monthly cost breakdown
Estimated buy payment
$12,560/mo
Principal & interest
$8,934/mo
Property tax
$1,765/mo
Insurance
$390/mo
HOA
$0/mo
Maintenance reserve
$1,471/mo
PMI
$0/mo
Total monthly payment
$12,560/mo
What changes the answer
Each value below is a full re-run of the simulation with one assumption changed. Across 11 modeled runs, buying leads in 0, renting leads in 10, and 1 are close calls.
A
Home appreciation
-$689,855At 1.5% · renting leads
-$35,313At 4.5% · close call
Recomputed: wealth gap ranges from -$689,855 to -$35,313 across this band - enough to change the verdict.
B
Rent growth
-$456,132At 2% · renting leads
-$306,176At 5% · renting leads
Recomputed: wealth gap ranges from -$456,132 to -$306,176 across this band; the verdict holds.
C
Investment return
-$217,198At 4.5% · renting leads
-$573,357At 8.5% · renting leads
Recomputed: wealth gap ranges from -$217,198 to -$573,357 across this band; the verdict holds.
D
Mortgage rate
-$275,744At 5.8% · renting leads
-$493,936At 7.3% · renting leads
Recomputed: wealth gap ranges from -$275,744 to -$493,936 across this band; the verdict holds.
E
Hold period
-$303,320At 7 years · renting leads
-$533,049At 15 years · renting leads
Recomputed: wealth gap ranges from -$303,320 to -$533,049 across this band; the verdict holds.
Decision checklist
Assumptions to verify
Rent, home price, interest rate, taxes, insurance, and maintenance inputs drive the result.
Ownership cost picture
Monthly and one-time costs affect how reliable the projected advantage is.
Scenario sensitivity
Changes to rates, rent growth, or appreciation can change the outcome.
Timeline fit
The planned hold period and life goals are central to interpreting the result.
Sample mode uses example assumptions for education only. Changes here are not saved and are not financial, legal, tax, mortgage, insurance, appraisal, inspection, investment, or real estate advice.