Disclaimer
Buy or Rent provides financial simulations based on public data sources and configurable user inputs. All projections—including home price forecasts—are for informational purposes only and are not financial, tax, or investment advice. Actual outcomes may differ significantly from simulated results. Consult a qualified professional before making financial decisions.
Important: Results depend on your inputs, local conditions, and market volatility. We do not guarantee accuracy, completeness, or future performance.
Methodology (What We Model)
- Budget & Savings: monthly budget, starting cash, and savings overages.
- Mortgages: payments, interest, amortization, purchase timing, and rate changes.
- Ownership Costs: property taxes, maintenance, and selling costs when applicable.
- Inflation: rent inflation and cost escalation for ownership over time.
- Investments: cash not used for housing can be invested and tracked over time.
- Taxes: potential mortgage interest deduction effects (where applicable).
- Localization: ZIP-level signals (e.g., housing trends, tax rates) when available.
- Risk: base and adjustable probabilities of housing and stock market drawdowns.
You can adjust assumptions (e.g., appreciation, rent inflation, maintenance, crash probabilities) to explore different scenarios and risk appetites.
Acknowledgements & Data Sources
Buy or Rent uses public datasets from the following sources:
- Zillow® home price data — data provided by Zillow Group, available at zillow.com/research/data.
- FRED — Federal Reserve Economic Data (interest rate trends), provided by the Federal Reserve Bank of St. Louis.
All third-party data remains the property of its respective source. Buy or Rent is not affiliated with, endorsed by, or sponsored by Zillow, FRED, or any government agency.
Frequently Asked Questions
Is this financial advice?
No. This is a simulation tool for educational use. Consult a licensed professional for advice.
Can I change the assumptions?
Yes. You can customize rent inflation, maintenance, appreciation, market crash probabilities, and more.
What if local data is missing?
We fall back to broader assumptions. You can override inputs to align with your local knowledge.
Contact & Policies
Questions or feedback? Email contact@rentbuysellapp.com.
See our Privacy Policy.
Last updated: August 12, 2025