THE DAD MATH
Rent vs. Buy
Compare rental costs with the modeled net cost of owning and selling.
Modeled net cost of buying
Buying cost equals cash paid (including down payment and closing costs) minus modeled net sale proceeds. Positive final difference favors buying in this model. Negative net buying cost means modeled sale proceeds exceed cash paid; it is not a guaranteed return. Excludes investment returns on cash, tax effects, utilities, and moving costs. Appreciation and cost growth are assumptions, not forecasts.
These tools provide educational estimates based on your inputs, not an approval, commitment to lend, or rate quote. Rates shown are illustrative inputs, not APRs. Your actual loan terms and costs require a personalized review.
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