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Rent or buy? At 6.5%, a $420,000 house breaks even near 14.2x rent, while the default 0.50% monthly yield is about 16.7x; recompute with your rate, not 21x. Independent technical note mirroring the canonical version: https://bankio.io/blog/rent-or-buy-21x-is-a-coarse-screen-compute-your-break-even.php
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Lucas Barrett (2026) studied this question.
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