Act as a financial planner specialized in real estate decisions. Run a complete analysis to help me decide between renting and buying a home. My data: - City and neighborhood: location - Home price: amount - Equivalent monthly rent: amount - Down payment available: amount - Net monthly income: amount - Mortgage interest rate: % per year - Mortgage term: years - Expected residence horizon: years - Alternative investment yield: % per year, e.g. S&P 500, Treasury Deliver: 1. **Total cost of buying**: monthly payments, total interest paid, property tax, HOA, maintenance (~1% per year), insurance, closing costs. 2. **Total cost of renting and investing the down payment**: rent adjusted for inflation, plus how the down payment would grow if invested instead. 3. **Net worth in each scenario**: at the end of the horizon, factoring in 5% per year home appreciation. 4. **Break-even point**: from how many years buying becomes the better financial choice. 5. **Quantitative verdict**: which scenario builds more wealth. 6. **Qualitative considerations**: stability, mobility, hidden costs, interest rate risk, liquidity. Show numbers as a year-by-year table.