Rent or buy?
Run your real numbers — mortgage, taxes, appreciation, and what your money would do invested instead — and see the year it actually pays off.
Your Numbers
Defaults are reasonable Denver-metro starting points — change anything to match your situation.
Buying
Renting
Other assumptions
Here's how it plays out
Calculating…
This is an illustrative estimate, not financial, tax, or legal advice. It uses simplified assumptions (fixed 30-year mortgage, no refinancing, no home improvements) and won't match your exact numbers — Rocky can walk through your specific scenario.
Every path has a next step
Buying, selling, renting out a home instead of listing it, or looking for your next rental — I work all sides of this.
Ready To Buy
Curated search, sharp negotiation, and a guide who knows the Denver metro block by block.
Explore buying → ii.Rent It Out Instead
Not ready to sell? I represent landlords too — pricing your rental, marketing it, and finding a qualified tenant.
Talk through renting → iii.Looking For A Rental
Need a place to lease? I can help connect you with available rental properties in the Denver metro.
Find a rental →A few terms, plainly explained
Fixed-rate mortgage
Your interest rate - and your principal-and-interest payment - stays the same for the life of the loan.
Adjustable-rate mortgage (ARM)
Your rate is fixed for an initial period, then can move up or down with the market afterward.
Home equity
What your home is worth right now, minus whatever you still owe on the mortgage.
Mortgage insurance (PMI)
An added monthly cost lenders typically require when your down payment is below 20% of the purchase price.
Closing costs
The fees and prepaid items due at closing on top of the purchase price or move-in cost - title, lender fees, prepaid escrow, and similar.
Opportunity cost
What money could have earned if it were invested instead of spent on a down payment, closing costs, or a security deposit.
Capital gains exclusion
The portion of profit from selling your primary home the IRS lets you exclude from tax - $250,000 single, $500,000 married filing jointly, when you qualify.
HOA / condo fees
A recurring fee some communities charge for shared amenities and upkeep - separate from your mortgage and taxes.