Home Buyer Tools
Rent or buy? See the real numbers.
Compare 5-20 year net worth for buying vs. renting based on your actual numbers. See the break-even year and monthly cost difference side by side.
FHA from 3.5% Down
Self-Employed OK
Non-QM Available
Lending in 35 States
Rent vs. Buy
Compare net worth over 5–20 years
Home Purchase Price
$
Down Payment
%
Interest Rate
%
Property Tax / Mo
$
Insurance / Mo
$
HOA / Mo
$
Maintenance (%/yr)
%
Home Appreciation
%/yr
Renting Scenario
Monthly Rent
$
Rent Growth / yr
%
Investment Return
%/yr
Time Horizon
yrs
Buy Advantage at End of Period
--
--
CALCULATING
Break-Even
--
Buy Net Worth
--
Rent Net Worth
--
Monthly (Buy)
--
PITI + HOA + maint
Monthly (Rent)
--
Current rent payment
Net Worth Over Time
Buying
Renting
Ready to stop renting?
FHA from 3.5% down. Non-QM for self-employed. Lending in 35 States.
Common Questions
Frequently Asked
How does the break-even calculation work?
We simulate month-by-month net worth for both paths. Buying accumulates equity as you pay down the loan and the home appreciates. Renting keeps your down payment invested at your assumed return. Break-even is the year buying crosses renting.
What appreciation rate should I use?
US median home appreciation has averaged 3-4% annually. South Florida has historically run 4-6%. Use 3% for conservative, 4-5% for realistic local.
Can I qualify with low down payment?
Yes. FHA starts at 3.5% down, conventional at 3-5%. For investors, DSCR typically requires 20-25%. Let us show you what you actually qualify for.
Does this include the mortgage interest deduction?
No — the deduction can meaningfully benefit buyers, especially early in the loan. Factor it in separately with your CPA for a complete picture.
What if I'm self-employed?
Bank statement loans let you qualify on 12-24 months of deposits instead of tax returns. We work with self-employed borrowers daily.
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