Interactive Tool · Time Horizon · Flexibility and Responsibility
South Florida Rent vs Buy Calculator
Short- and long-term cost comparison · Editable assumptions · No automatic winner
Organize down payment, lender costs, title and settlement, prepaid items, inspections, credits, deposits, and reserves before closing. This is an educational planning estimate—not a Loan Estimate or Closing Disclosure.
A lower modeled cost does not decide your life. Flexibility, stability, repairs, reserves, and timing matter.
Rent pays for housing use, flexibility, and reduced ownership responsibility. Mortgage principal may build equity, while interest and ownership costs are expenses. Closing costs, selling costs, repairs, insurance, flood exposure, HOA obligations, and special assessments can change the comparison. Moving within a few years can materially affect the result.
Rent pays for housing use, flexibility, and reduced repair responsibility.
Ownership can offer stability and principal reduction, while adding maintenance, transaction costs, insurance, and future sale risk.
Short holding periods can make purchase and sale costs more important.
The mathematically lower-cost option is not automatically the healthiest life decision.
Use this calculator as a starting point, then verify the real numbers. The CFPB Loan Estimate explainer helps buyers understand principal, interest, taxes, insurance, and estimated monthly payment. The Miami-Dade Property Appraiser Tax Estimator can help estimate property taxes from information you enter. The Florida Office of Insurance Regulation CHOICES tool is a consumer rate-comparison resource. The FEMA Flood Map Service Center is the official public source for FEMA flood hazard maps.
A calculator gives you a starting point. Roland can help you slow down and identify which numbers still need verification with your lender, insurance agent, HOA, county tax source, and closing professional. Free consultation.
→ Compare Florida Loan Programs — FHA, DSCR, Conventional, VA, and Commercial compared side by side.
Roland answers his own phone. No gatekeepers, no referrals to a junior agent. 20 years as a licensed General Contractor means you get a real assessment — not just a showing.
📅 Schedule Free ConsultationRoland will be in touch within 24 hours.
For urgent inquiries, call 305.731.0387
Roland runs the numbers with you — mortgage payment, property tax, HOA, insurance — so you know your real monthly carry before you make an offer. Free buyer representation. Seller pays the commission.
Cash flow, cap rate, DSCR — Roland runs the full investment analysis alongside your mortgage numbers. One call, full picture.
Calculator next-step guidance. Use the numbers as a starting point. Roland can help you understand what should be verified by a lender, insurance agent, CPA, inspector, or other professional before you decide.
