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I wonder where you would get houses, in safe areas, that people would actually want to live in, and which you wouldn't have to spend a fortune maintaining for $50K. I'm just saying.

Add a zero.

By focusing on the example when compared to NO you have come up with only negative rental examples. Assume person wants 100K to live and therefore is buying 100K homes each year. Or 500K and 500K each year.

Use the rough model but focus on areas that are not so negative. It can be done as every city has a reasonable neighborhood and therefore an average house price for that area.

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