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A homeowner typically has maintenance responsibilites that a renter avoids.

I'll agree with just about all of your points if you're only talking about an 'apartment' renter. There's a huge lifestyle difference between an apartment and a house though -- I believe that (for me) the potential additional costs of a single-family dwelling are offset by the nicer lifestyle benefits.

When you're talking about living in a house, I don't see any real advantage to renting verses buying.
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