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Rent vs. Buy

The honest version — it counts your equity, not just your payment.

Monthly Rent$1,800

Home Price$350,000

Down Payment10%

Rate6.50%

Years You'd Stay7

Renting costs you$—

Owning nets out to$—

Assumes 1.35%/yr taxes+insurance, 1%/yr maintenance, 3%/yr home appreciation and 3%/yr rent increases. Ownership cost is net of principal paid and appreciation gained. Educational estimate — not advice for your exact situation.

The Extra-Payment Effect

What an extra $100 a month actually does to a 30-year loan.

Loan Amount$320,000

Rate6.50%

Extra Per Month$100

Time Saved—

Interest Saved$—

New Payoff—

Principal & interest only, 30-year term. The curve shows your balance with and without the extra payment.

DSCR Quick Check

Investors: does the property's rent carry the property's debt?

Expected Monthly Rent$2,400

Full Monthly Payment (PITIA)$2,000

DSCR

1.20

DSCR = rent ÷ full payment (principal, interest, taxes, insurance, association dues). Educational only — programs vary.

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