Renting and “owning” are very different, if you want to modify anything. And, not everyone is in an HOA. And, when comparing cost, you need to consider rent is

Renting and “owning” are very different, if you want to modify anything. And, not everyone is in an HOA. And, when comparing cost, you need to consider rent is 100% loss. Owning rarely is, with the usual being between 0% and gain. I lost 400k renting in silicon valley. If I put 400k into a house, I would have made 400k.