please excuse stupid question, but isn't it fair to say that at some point the buyer owns an asset, while the renter is still paying 25% or so on their income ?

we paid off our 25 year mortgage 10 years early by adding what we could afford to the required payment eaxh month. If one adopts this strategy early in the repayment life it makes huge savings later..

sorry if this is not addressing the core question :)

nice work!!!