Homeowners Financial Group · Client Analysis
Renting builds wealth.
Just not yours.
Every month you rent, your landlord builds equity — here's what that's costing you.
Prepared for
Time Horizon
10 years from now
Drag to see how the gap grows over time →
1 yr51015202530 yr
The 10-Year Wealth Gap
$0
more wealth by owning instead of renting
Owning wins by Yr 4
If you keep renting
$0
Net worth after 10 years
Total rent paid$0
Equity built$0
Rent by then$0/mo
If you buy this home
$0
Net worth after 10 years
Home equity built$0
Home value$0
Net cost to own$0/mo
Monthly Cost: Rent vs. Own
Cash to Get In
Return on Your Cash
The Leverage EffectCash invested
$0
down payment + closing
→
Home equity · Yr 10
$0
appreciation + paydown
=
Return on your cash
0×
in home equity built
Your cash controls a $0 asset, so appreciation compounds on the whole home — not just the cash you put in. If you rented and invested the same money instead, you’d have about $0.
Your monthly payment is largely offset by the rent you’d pay either way, so the down payment is the real cash at work. The Net Worth comparison above is the all-in, apples-to-apples view. Pre-sale equity; selling costs reduce realized proceeds.
Net Worth Over Time
Own vs. Rent
Wealth if you own
Wealth if you rent & invest*
Equity Built vs. Rent Paid
Cumulative
Home equity (kept)
Rent paid (gone)
LO
Your Loan Officer
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