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Realtor Housing Decision Engine

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Realtor Housing Decision Engine

Realtor Housing Decision Engine

Realtor Housing Decision Engine is a comprehensive financial simulator that answers the age-old question: Should I buy or rent? through a data-driven lens.

Pricing

Pay per usage

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Property API

Property API

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16 days ago

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The Definitive Rent vs. Buy Analysis Tool

Realtor Housing Decision Engine is a comprehensive financial simulator that answers the age-old question: Should I buy or rent? through a data-driven lens.

By modeling complex variables—from local market appreciation and tax brackets to opportunity costs and broker fees—this tool provides a clear, mathematical roadmap for housing decisions across any number of U.S. markets simultaneously.


🧭 Intelligence Features

  • ⚔️ Head-to-Head Comparisons: Automatically calculates the 5-year and 10-year financial outcomes of buying vs. renting.
  • 📈 Opportunity Cost Logic: Accounts for the potential investment returns you'd miss by tying up capital in a down payment.
  • ⚖️ Break-Even Analysis: Determines the exact timeline where buying becomes financially superior to renting.
  • 🏘️ Multi-City Scouting: Compare living costs in "New York" vs. "Miami" vs. "Austin" in a single request.

🛠️ Simulation Inputs

Customize the engine with your specific financial profile and market assumptions.

Essential Inputs

{
"locations": ["Seattle, WA"],
"price": 750000,
"rent": 3200,
"down_payment": 150000
}

Advanced Configuration / Parameters

ParameterTypeDefaultDescription
locationsarrayRequiredTarget cities for local tax/fee adjustments.
priceintegerRequiredPurchase price of the home.
rentintegerRequiredMonthly rent for a comparable property.
down_paymentintegerRequiredCash down payment amount.
home_appreciationnumber3.5Projected annual increase in home value (%).
rent_appreciationnumber3.0Projected annual increase in rent (%).
investment_rornumber7.0Return on Investment rate for stock/alternative investments (%).
income_tax_ratenumber25Your marginal income tax rate (for deduction calculations).

📊 Analytical Output

The engine outputs a verdict backed by detailed ledger data.

{
"location": "Seattle, WA",
"summary": {
"better_option": "buy",
"break_even_years": 4.2,
"net_difference_10_years": 145000
},
"buying_scenario": {
"monthly_cost": 4100,
"equity_gained_10y": 210000,
"tax_savings_10y": 52000
},
"renting_scenario": {
"monthly_cost": 3200,
"opportunity_cost_10y": 180000
},
"assumptions": {
"appreciation": 3.5,
"inflation": 2.5
}
}

🎯 Use Cases

  • Relocation Planning: compare the long-term financial impact of moving to a high-cost city vs. a low-cost one.
  • Investment Advisory: Financial planners can generate personalized reports for clients debating a home purchase.
  • Market Content: Real estate agents can create data-backed "Buy vs. Rent" reports for their specific farm areas.

⚡ Performance

  • Real-Time: Calculations are performed instantly.
  • Scalable: Process hundreds of location scenarios in parallel.

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