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I am totally focused on
my client's needs, and I
work to realize their
dreams as if they were
my own.

Tammy Pecht

KELLER WILLIAMS REALTY

916-425-8305
clients1st@yahoo.com

CONTACT ME

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Buying vs. Renting

Keller Williams Realty
3001 Lava Ridge Ct suite 100
Roseville Ca 95661
Tammy Pecht Realtor
916-425-8305

Hot links

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Free Home Evaluation

My Listings of Real
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Here are a few of the
highlights of each of my
other pages

Whats my home worth page:
Free home evaluation form
About me page:
short bio of myself
Buyers and Sellers page:
do i qualify for 1st time
home buyers tax credit?
home value estimator
current mortgage rates
mortgage IQ quiz
Loan calculator page:
loan calculator
Contact me page:
various ways to contact me
My listings page:
list of my current listings
Loan modification page:
information about home loan
modification
Request a listing page:
form to send me to request
a mls listing
Free home search page:
get your mls listings here
free!!

Buying versus Renting

Usually, if you can come up with a down payment then buying is your best option. However, this may not apply to
everyone. Consider the following:

Renters ...

Neither gain equity, nor lose it. Despite any improvements renters make to their homes -- and regardless of any
outside influences that would cause the property value to increase -- renters will never gain equity.
Renters put little money up front.
Reap no tax advantages. Any and all tax breaks and other tax-associated advantages are enjoyed by landlords.
Are often restricted from making modifications such as painting walls (some landlords will allow renters to paint their
walls only if they paint them white again before they vacate their homes).
Can merely pack up and leave upon the expiration of their leases. They don't face the hassle of finding a buyer and
waiting until a sale takes place.
Face much less work in maintaining their homes, inside and out. In many multifamily properties, they enjoy the
convenience of a full-time maintenance staff to handle appliance repairs and other minor repairs.

Buyers ...
Often gain equity. However, they can also lose it. Their equity can also remain static.
Must go through the process of selling their homes and finding a buyer, either with a Realtor's help or not, if they
elect to move out of their homes.
Must put down a greater amount of money (a substantial down payment) than a renter, who merely pays a security
deposit and first/last month's rent.
Are subject to variable costs in the absence of documentation that keeps costs fixed.
Must either perform maintenance/repairs on their own or using the services of a professional whom they hire and
pay themselves. Buyers are fully responsible for any and all repairs.
Are free to paint, redecorate and remodel their homes as often as they wish.
Enjoy the tax breaks and other tax advantages associated with home ownership.
Build equity regardless of whether the value of their homes increases over time.
Eventually own their homes and are free of a monthly mortgage payment.

After reviewing this comparison, you may feel that neither buying nor renting is the "perfect" choice. We should then
consider your lifestyle -- including such factors as the stability of your career, how often you travel for business and
whether or not you plan to reside in your current hometown for a long period of time -- either choice has plenty of
valid advantages.