I began investigating monthly costs of home ownership outside of mortgage (tax, upkeep, insurance, hoa, etc) and I realized that the monthly sunk cost of a quality home in my area would be equal to or higher than the cost of rent… and that’s excluding interest payments. I also learned on avg one can expect 2-3% appreciation of a home. So based on that I’m way better off renting forever and putting all my capital in stocks making 7%. Where am I going wrong here?