RENT VS. BUY CALCULATOR LEGAL DESCRIPTION & DISCLAIMER: This tool functions as a long-term comparative wealth projection model contrasting standard rental capital outflows against real estate ownership structures over a continuous 7-year horizon. Projections rely on static compounding index assumptions, including a 4.0% annualized asset appreciation velocity and a 3.5% annualized rental market inflation modifier. Estimated tax savings rely on a simulated 22% marginal tax bracket applied to total itemized mortgage interest, which may vary significantly depending on standard deduction limits. This simulation is not a validation of prospective home equity accumulation, tax deduction guarantees, or loan pre-qualification, and it remains subject to systemic market shifts and formal manual underwriting parameters.