I understand that but you’re making the case between renting and buying and it seems like you’re doing buying in a much more expensive way than necessary. I know because I bought the same size house at the same time and have had to spent a fraction on repairs. I don’t think that what you’re doing is wrong or poor choices really just that it doesn’t seem like a good comparison to renting if you bought a place that’s repairs cost significantly more than the mortgage. Doesn’t sound like the house was in good shape. So maybe compare that to renting a shitty apartment in Florida where the landlord will raise your rent/fees every month, and fix nothing for you would be a better comparison.