Yebbo Buy vs Rent Intelligence System

A serious educational comparison tool that breaks down where money goes, what is saved or lost, and how results change at 5, 10, 15, 20, 25, and 30 years. It estimates buyer cash outflow, principal, interest, taxes, insurance, maintenance, home value, sale proceeds, and the renter’s invested savings.

Scenario Inputs

Home Price ($) Down Payment (%) Mortgage Interest Rate (%) Loan Term (years) Monthly Rent ($) Annual Home Appreciation (%) Annual Investment Return (%) Property Tax (% of home value / year) Home Insurance ($ / year) Maintenance (% of home value / year) Home Sale Cost (% of sale price)

This model is educational. It simplifies taxes and assumes the renter invests the initial down payment plus the monthly difference between ownership cost and rent.

30-Year Snapshot

Buyer total out-of-pocket

$0

Buyer net proceeds if sold

$0

Renter investment account

$0

Who leads at 30 years

—

Where the buyer’s money goes

Net value over time: buy vs rent

Buyer cost breakdown by horizon

Saved or lost at each horizon

5, 10, 15, 20, 25, 30-Year Breakdown

Year	Buyer Out-of-Pocket	Principal Paid	Interest Paid	Taxes Paid	Insurance Paid	Maintenance Paid	Home Value	Loan Balance	Buyer Net Proceeds	Renter Paid	Renter Investment	Rent vs Buy Lead

Interpretation