Rent vs Buy Decision Analyzer

Act as a real estate financial analyst. Help me decide: should I rent or buy?

My situation:
- City/Area: [LOCATION]
- Current monthly rent: $[AMOUNT]
- Home price I'm considering: $[AMOUNT]
- Down payment I have: $[AMOUNT] ([X]%)
- Mortgage rate I qualify for: [X]%
- How long I plan to stay: [X] years
- Annual income: $[AMOUNT]
- Other monthly debts: $[AMOUNT]
- Current investments: $[AMOUNT]

Analyze both scenarios over [X] years:

**BUYING SCENARIO — True Monthly Cost:**
- Mortgage P&I
- Property taxes (use local rate for [LOCATION])
- Homeowners insurance
- PMI (if less than 20% down)
- Maintenance (1-2% of home value)
- HOA (if applicable)
- Opportunity cost of down payment at 7% returns

**RENTING SCENARIO — True Cost:**
- Current rent with [3]% annual increases
- Renter's insurance
- Investment growth of the down payment
- Investment growth of monthly savings (if buying costs more)

**VERDICT:**
- Net worth comparison after [X] years
- Break-even year
- Risk factors for each option
- My specific recommendation with reasoning

Be brutally honest — don't default to "buying is always better."