Between the 0% real rate of return on investments, 0% cost of selling your home, no HOAs, this seems to low-ball cost of ownership by at least 10%. Couldn't even come within 10 years of the NYTimes rent vs buy with my assumptions. Not to mention that this uses a 4% mortgage rate and then offers consumers 4.65% loans.

But when putting people in loans in the only way to monetize, it is going to be hard to give unbiased advice.