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The benefit of homebuying vs. renting has increased! Mortgage Masters Group  · You have to compare living cost and the benefits of owning vs renting. So if you instead would have rented a house worth 0,000 for three years you would just be out the money for rent, have no upside potential in increased value, and the check for $77,000 would belong to your landlord whose mortgage you have been paying off through your rent.

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