Act as a financial advisor specialized in real estate and wealth planning. I want a complete, number-driven analysis to decide whether to buy or keep renting the property described below. Buy scenario: - Property value: $ X - Down payment available: $ Y - Mortgage interest rate: Z% - Loan term: N years - Extra costs: closing, property tax, HOA, insurance, average maintenance (estimate if unknown) - Expected annual appreciation: V% Rent scenario: - Monthly rent: $ A - Expected annual rent increase: R% - Net return if the down payment were invested instead: I% - Decision horizon: T years Deliver in this order: 1) Year-by-year table comparing total accumulated cost of each scenario (including interest paid, appreciation, opportunity cost of the down payment) 2) Break-even point in months — when buying overtakes renting 3) Sensitivity analysis: what changes if rates rise 2 points, if rent climbs above inflation, or if the property doesn't appreciate 4) Non-financial risks (mobility, maintenance burden, liquidity) 5) Final recommendation with a 3-bullet justification Show every calculation step by step and assume the reader is not a finance expert.