{
    "monthly_rent": 2000,
    "annual_rent_increase": 3,
    "renters_insurance": 200,
    "home_price": 400000,
    "down_payment": 80000,
    "rate": 6.5,
    "term": 30,
    "tax_rate": 1.2,
    "insurance": 1200,
    "maintenance_rate": 1,
    "appreciation": 3,
    "hoa": 0,
    "years": 7,
    "investment_return": 7,
    "loan_amount": 320000,
    "monthly_pi": 2022.62,
    "total_rent_cost": 200699.1,
    "net_rent_cost": 152236.58,
    "total_buy_cost": 245729.76,
    "net_buy_cost": 123111.96,
    "final_home_value": 491949.55,
    "final_equity": 202617.8,
    "opportunity_cost": 128462.52,
    "opportunity_cost_gain": 48462.52,
    "savings": 29124.62,
    "break_even_year": 1,
    "verdict": "Buying becomes cheaper than renting after year 1.",
    "yearly_comparison": [
        {
            "year": 1,
            "rent_cumulative": 26400,
            "buy_cumulative": 34271.44,
            "rent_net_cost": 20800,
            "buy_net_cost": 18694.68,
            "rent_annual": 26400,
            "buy_annual": 34271.44,
            "home_value": 412000,
            "equity": 95576.76,
            "investment_value": 85600
        },
        {
            "year": 2,
            "rent_cumulative": 53520,
            "buy_cumulative": 68806.88,
            "rent_net_cost": 41928,
            "buy_net_cost": 37053.84,
            "rent_annual": 27120,
            "buy_annual": 34535.44,
            "home_value": 424360,
            "equity": 111753.04,
            "investment_value": 91592
        },
        {
            "year": 3,
            "rent_cumulative": 81381.6,
            "buy_cumulative": 103614.24,
            "rent_net_cost": 63378.16,
            "buy_net_cost": 55058.52,
            "rent_annual": 27861.6,
            "buy_annual": 34807.36,
            "home_value": 437090.8,
            "equity": 128555.72,
            "investment_value": 98003.44
        },
        {
            "year": 4,
            "rent_cumulative": 110007.05,
            "buy_cumulative": 138701.68,
            "rent_net_cost": 85143.37,
            "buy_net_cost": 72688.67,
            "rent_annual": 28625.45,
            "buy_annual": 35087.44,
            "home_value": 450203.52,
            "equity": 146013.01,
            "investment_value": 104863.68
        },
        {
            "year": 5,
            "rent_cumulative": 139419.26,
            "buy_cumulative": 174077.6,
            "rent_net_cost": 107215.12,
            "buy_net_cost": 89922.94,
            "rent_annual": 29412.21,
            "buy_annual": 35375.92,
            "home_value": 463709.63,
            "equity": 164154.66,
            "investment_value": 112204.14
        },
        {
            "year": 6,
            "rent_cumulative": 169641.84,
            "buy_cumulative": 209750.66,
            "rent_net_cost": 129583.41,
            "buy_net_cost": 106738.71,
            "rent_annual": 30222.58,
            "buy_annual": 35673.06,
            "home_value": 477620.92,
            "equity": 183011.95,
            "investment_value": 120058.43
        },
        {
            "year": 7,
            "rent_cumulative": 200699.1,
            "buy_cumulative": 245729.76,
            "rent_net_cost": 152236.58,
            "buy_net_cost": 123111.96,
            "rent_annual": 31057.26,
            "buy_annual": 35979.1,
            "home_value": 491949.55,
            "equity": 202617.8,
            "investment_value": 128462.52
        }
    ]
}