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MOCHILAB / AI SKILL
Rent-versus-Buy Scenarios
Compare renting and buying with equal cash budgets, mortgage balances, ownership costs and opportunity cost.
What it does
Compare renting and buying with equal cash budgets, mortgage balances, ownership costs and opportunity cost.
- Equal outside cash budgets
- Opportunity cost of upfront cash
- Ownership, rent and selling costs
- Annual sale-adjusted net wealth
Try saying
Use my supplied records to compare renting and buying with equal cash budgets, mortgage balances, ownership costs and opportunity cost.
Export a reproducible report with the assumptions, key metrics and detailed CSV. Ask me for missing facts first.
Calculation scope
The renter initially invests the buyer’s down payment plus buying costs. Thereafter, the option with lower housing costs invests the difference at month-end. investment_return is effective annual. Annual owner costs stay constant; rent and house growth are assumptions. Net wealth deducts selling costs and remaining debt; no tax relief is presumed.
Deliverables and runtime
Includes executable Python 3.10+ standard-library calculations, independent numerical tests, fictional examples and an input reference. Supported flat collections accept CSV. No extra market-data key is needed. Files stay in the active assistant workspace, with input and output hashes. Analysis only; no account access or automatic trading.
References