Rentvesting Calculator.

Rentvesting is renting the home you actually live in - wherever suits your lifestyle or budget - while buying an investment property somewhere else, typically wherever the numbers stack up best. It lets you get onto the property ladder and start building equity without being limited to what you can afford to live in yourself.

It depends entirely on your numbers - the property prices, growth assumptions, loan terms, and your own income and goals. Rentvesting often has better cash flow and lower entry costs, while buying a home to live in gives you certainty of tenure and no landlord. There's no universal answer, which is exactly why this calculator runs both scenarios side by side against your own figures.

Yes. Rentvesting means you pay rent for the property you live in, on top of the loan repayments and holding costs on your investment property. That combined cost - your own rent plus your investment property's net position - is what actually determines whether rentvesting comes out ahead.

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