Sam Parr  ⚪️

The conspicuously large hole in your argument here is that rent disappears into your landlords pocket, whereas mortgage payments minus interest are effectively to yourself.

No - that's taken into account. I'm paying the landlord for a service. As well as the ability to use my cash elsewhere to make a bigger return.

If you’re paying your landlord your cash, how are you also using it elsewhere?

This is basic math. You have $200k in cash. You can use that for a 20% downpayment for a house or invest it elsewhere. According to 100 years of data, investing it elsewhere while paying rent will likely make you more $$$ in most home buying situations.