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rent-vs-buy

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Model rent-vs-buy honestly — year-by-year net position for both paths including the assumption everyone drops (the renter invests the difference), with a breakeven horizon instead of a verdict. Use when asked should I rent or buy, does buying beat renting in my city, when does buying break even, or run the rent-vs-buy numbers. Produces the year-by-year comparison table, the breakeven year, the assumption list with defaults labeled, and the not-modeled list.

skills/rent-vs-buy/SKILL.md

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Nov 10, 2026
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# Rent vs Buy Skill

Rent-vs-buy arguments are usually two people comparing different questions: one counts equity and forgets transaction costs and carry; the other counts rent as "thrown away" and forgets the renter can invest the difference. This skill runs the symmetric model — both paths get their real costs and their real compounding — and delivers a breakeven *horizon*, because the honest answer is almost always "it depends how long you stay."

## What This Skill Produces

- **The year-by-year table** — owner net position (equity minus selling costs) vs renter net position (invested savings), per year
- **The breakeven year** — before it, renting won; after it, buying won, on the stated assumptions
- **The assumption ledger** — every input labeled, defaults flagged as defaults
- **The not-modeled list** — taxes/deductions, renovation risk, the non-financials — stated up front

## Required Inputs

Ask for these if not provided:
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