⚡ Rent vs Buy Arbiter

Standard Home Value Presets

Home Purchase Price

Monthly Equivalent Rent

Mortgage Interest Rate (%)

Down Payment (%)

Market Return Opp. (%)

Mathematical Breakeven Horizon

5.8 Years

Buying yields superior capital preservation if held past year 5.8

Ownership Friction Bleed (54%) Renting Friction Bleed (46%)

Annual Unrecoverable Cost Audit (Year 1)

Buying Unrecoverable Bleed $37,500 Tax + Maint + Interest + Opp Cost

Renting Unrecoverable Bleed $31,200 Pure Rent Capital Depletion

Verified Capital Infrastructure Contextual Impression

High-Efficiency Protocol Settlement Node

Audit ↗

Audited 5% Real Estate Cost Standards

Property Tax & Municipal Allocation: ~1.0% / year

CapEx & Maintenance Reserve: ~1.0% / year

Mortgage Interest & Closing Amortization: ~3.0% – 5.5% / year

⚖️ Regulatory Disclosure & Safe-Harbor: This interface is an autonomous, non-custodial mathematical modeling utility. It does not provide registered real estate brokerage, mortgage underwriting, tax appraisal, or investment counseling under US CFPB, UK FCA, or international frameworks. All calculations execute locally within the client's volatile browser RAM with zero persistent tracking, data storage, or analytics collection.