And for what it's worth, I think your choice to defend buying with a 5-year-window is a bit odd, considering Bay Area home prices have shot through the roof far more than is historically typical for here or any area in recent times. the one you buy is rarely the same, because the reasons people rent vs. renting the exact same home is one thing, but the home you rent vs. I'm not disagreeing with you, but I think you missed the point of what I was trying to say.
Buying clearly beat renting and it wasn't even close. My wife and I rent in the SF Bay Area, and I've run all kinds of calculations simply to find what everybody else knows is obvious, which is that there's virtually no way that buying comes out ahead at current prices. buy is rarely an apples-to-apples comparison in terms of the "amount" of home.
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