Instant download through Gumroad.
Best for stay-or-buy calls
Rent vs. Buy Decision Engine
A 10-year Bay Area renting-versus-buying spreadsheet that compares owner equity against renter portfolio growth.
Built as a reusable workflow, not a one-off PDF.
Designed around inspectable assumptions and source notes.
Why not just ask AI?
You are buying a working model, not a paragraph.
Persistent structure: formulas, tabs, databases, or linked views keep assumptions connected after the chat window is gone.
Local data scaffolding: Bay Area city and neighborhood assumptions are preloaded so you start from a local model instead of a blank prompt.
Decision memory: the tool preserves scenarios, rankings, notes, and source checks you can revisit with a partner, lender, agent, or roommate.
What this replaces
A mortgage-versus-rent comparison that ignores opportunity cost, selling costs, HOA dues, and downside scenarios.
Year-by-year ownership and renter net-worth model
Break-even year and total-cost comparison
Sensitivity tabs for appreciation, rate, rent growth, and investment returns
Charts that make the tradeoff easy to explain
Use it when
The decision needs structure before emotion takes over.
- You are deciding whether to keep renting another year.
- You want to pressure-test a condo or townhouse purchase.
- You need to compare the emotional pull of ownership against the financial tradeoffs.
Ready to use it?
Get Rent vs. Buy Decision Engine.
Educational planning tool only. Verify numbers with your lender, agent, attorney, CPA, electrician, HOA, or local official before relying on them.
Buy on Gumroad - $17