Have you factored in property taxes, impact fees if any, landscaping, HOA fees if any, school district fees/changes/bonds, fire protection fees/bonds/changes, Home owners insurance, sewer or water treatment bonds/fees/changes, utility bonds/fees/changes, and more?

Have you factored in a terrible neighbor? A halfway house or care home next door?

Rent may be going up or down or sideways... you have the option to move if you don't like it. I could realistically move in less than a week and I have a full blown wood shop in my rental garage, two teenagers, wife and a dog. It would be messy, but we could do it with basically zero consequences.

If you care about your credit score, you are not going to just walk away from your mortgage. We can jam out of here if the wind blows a direction we don't care for.

With all three cars paid off, I truly have zero debt. A few of my friends tell me they have "zero debt except for the mortgage"... I am like that is a giant ball and chain around your neck broham... Nothing about that says "debt free" or "freedom."