• 📌 A buy vs rent decision framework you can reuse (no more “gut feelings”).
• 📌 The true cost of buying: not just mortgage (P&I), but taxes, insurance, maintenance, and opportunity cost.
• 📌 The real cost of renting: what you may “save” short-term — and what you may pay long-term.
• 📌 Opportunity cost: where should your down payment really go?
• 📌 Can you still buy in a high-rate environment? (Rate = cost, but also opportunity.)
• 📌 Bay Area price trends: stop guessing — understand the structure.
• 📌 Inflation: why buying can “lock in” future housing cost in a way renting can’t.
• 📌 Tax benefits (high-level): the hidden value many people miss.
• 📌 The most important slide: your buy threshold (decision boundary).
• 📌 A “nuclear example”: how leverage can amplify outcomes with as little as 5% down.
• 📌 A 10-year outcome comparison: rent vs buy — two completely different endings.

I’m Alan Wen, Founder & Broker of Golden Gate Realty & Finance Inc. We specialize in serving Bay Area families and high-net-worth clients with end-to-end strategy support — from home purchase decisions, loan structure, and risk boundaries, to long-term household asset planning.