05/18/2026
Something to consider…
If you are a renter with a sizeable savings or 401k, where is the best place to park $100,000, the Stock Market or a Home? Let’s take a quick peek at the numbers…
If you invest $100,000 in the Stock Market and earn between 5% to 10% over a 12 month period, you will have earned $5,000 to $10,000 ROI.
If you take that same $100,000 and put it down on a $500,000 home, and that home appreciates at 5% over a 12 month period, you will have earned $25,000 ROI because the 5% appreciation is based on the home value, not the $100,000 you put down. That’s a 25% ROI on your $100,000 investment, big difference when compared to investing in the Stock Market.
The annual ROI a renter receives over a 12 month period is 0%.
Here’s the thing…you have to pay to live somewhere, that’s just life! The question is whether the payment you are making is building your wealth or someone else’s.
When you rent, you’re paying someone else’s mortgage. You’re funding their investment. You’re the reason their net worth is going up every month.
When you own, you’re living inside your investment. The same roof over your head is quietly building wealth every month.
I know buying a home feels like a hard path right now, but so is writing a rent check for the next 10 years and walking away with absolutely nothing.
If you don’t have a lot of money to put down, that’s okay too. You don’t need $100,000 to buy a home. There are several loan programs that have low down payment options between 3% to 5%, and there are even down payment assistance options as well.
If you are waiting to buy a home give me a call. Let’s have a conversation and explore ways to achieve your goals of homeownership! It's what I am here for, it's what I do.
