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When home value appreciation exceeds your mortgage payment, property taxes, insurance and maintenance, you gain a return on investment.
Once your house is paid off, it becomes your asset, an equity position to leverage your finances.
Tax credits offer a reduction on expenses of home-ownership.
Settled and looking for long term place to be “home.”
Prepared to stay for more than 2-3 years.
Build wealth through real estate.
Better gains from remodeling, painting, care for pets.
Buying can be an investment opportunity cost, expenses used toward taxes, insurance and interest may be invested elsewhere. 
Costs in home-ownership entails higher expenses for property tax and mortgage interest. 
No costs in home repairs, maintenance or upgrades. 
Enjoy flexible with relocation or plan on living short term less than 2-3 years. 
Lack of freedom for remodeling, pets, upgrades. Okay with no equity built for financial future


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