Path · Scenario studio
Buy now vs wait
Five-year net-position illustration with readiness honesty. Better math never overrides DO NOT PROCEED hard-stops.
Your numbers
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Buy the home
Best net @ 5y$107,378
Buy today. Equity builds through amortization and appreciation, offset by costs.
Wait 12 months
-$37,104
Rent 12 more months while saving, then buy at the future price.
Wait 24 months
-$35,532
Rent 24 more months while saving, then buy at the future price.
Spread between best and worst at 60 months: $144,482
Fund a scenario
Turn the wait plan into a Path to Ready with monthly funding targets.
Educational model only — not a forecast, appraisal, or lending decision. Net position is a simplified 5-year illustration.