📐 Base Case Inputs
Buyer Net Wealth — All 3 Scenarios
How buyer wealth diverges across optimistic, base, and pessimistic assumptions
Renter Net Wealth — All 3 Scenarios
Renter's invested portfolio across all scenarios
📐 How to read the confidence band
Think of it like a hurricane forecast cone. Center line = base case.
Shaded region = full range of outcomes. Narrow band = robust decision. Wide band = sensitive to assumptions.
Key question: does the buy band stay above the rent band at your horizon?
Buyer Wealth — Confidence Band
Shaded area = full range. Center line = base case.
Wealth Gap (Buyer − Renter) — All Scenarios
Above zero = buyer ahead. Below zero = renter ahead.
Sensitivity Summary — Year 20
Full breakdown: what changes and who wins under each scenario
Equity Accumulation — All 3 Scenarios
Appreciation drives the spread. In pessimistic markets, equity grows purely from principal paydown.
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