Rent or buy: the honest math
How to decide with your numbers and your timeline, not with what somebody said online.
Money · 12 points
Who it’s for
For anyone renting in Miami who’s wondering whether it’s time.
What’s on the list
- 1
Write down your rent today and how much it climbed over the last three years. That’s your real baseline, not the market’s.
- 2
Work out the full ownership payment: principal, interest, taxes, insurance, association dues. Compare that against your rent. Not the mortgage alone.
- 3
Add up all the cash it takes to buy — down payment, closing costs, reserve. If that wipes out your cushion, it isn’t time yet.
9 more points to go
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