Rent vs. Buy Financial Comparison

Create a rent vs. buy analysis for this buyer:

Purchase Option:
- Home Price: {{home_price}}
- Down Payment: {{down_payment}}
- Mortgage Rate & Term: {{mortgage_terms}}
- Annual Property Tax: {{property_tax}}
- Homeowners Insurance: {{insurance}}
- Estimated Annual Maintenance: {{maintenance}}
- HOA Fee (if applicable): {{hoa_fee}}

Rental Option:
- Current Rent: {{current_rent}}
- Expected Annual Increase: {{rent_increase}}

Analysis Period: {{analysis_years}} years

Calculate cumulative costs, tax benefits, equity buildup, and break-even point. Factor in opportunity cost of down payment. Provide clear recommendation based on financial scenarios.