Should I wait to buy?
Waiting is an option with costs: more rent, more cash saved, and the chance prices move against you. Buying now is an option with payment risk. Neither is moral...
life
A starter home is two decisions, not one cute house
A starter home can be the right first purchase or an expensive double transaction. The decision includes the likely second move: selling costs, another down payment, and whether the first house is even liquid.
Argumont is decision support. It is not tax, legal, real estate, or financial advice. Licensed work stays with licensed people.
What to score
Payment on the starter, expected years in it, transaction costs to leave, and the alternative of waiting to buy the longer-stay house. 'We will just move in three years' is a prediction.
Renting until one move is the usual third option.
How Argumont treats it
Starter now, wait for a longer-stay house, and keep renting can compete. Confidence should fall if the second-move plan has no budget.
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Compare the starter-home plan
Argumont challenges assumptions, researches evidence, compares competing approaches, and produces an inspectable verdict. You keep the final decision.
Compare the starter-home plan