<prompt> Human: I have researched Rent vs. Buy scenarios and seen many posts about calculators mostly the NYT calculator, but they dont really show me if it is beneficially to hold out for 1-2 more years renting and then buy.For example, I rent an apartment for 1120 a month. When I input all the information for the first house we plan to purchase and live in for 8-10 years, the calculator tells me that if I can rent for less than 940 a month, I should rent instead of buying. This tells me we should buy the house.However, Im struggling to fully understand the trade-off between buying a house immediately, or renting for two more years and then buying the house. There are other factors such as saving up more cash for a bigger down payment, but to make it simple, I am trying to determine if it is better to put 15 down now, or wait any number of years to do the same thing. I have not been able to track down a spreadsheet that helps with this. I also realize the housing market is a HUGE factor in this equation and I cant predict the future. Am I missing something obvious with the math, or is this a reasonable question?  <response>: The calculator is a guide. For that short of a period, it is a subjective question that depends on myriad factors, from the market, your life goals, your savings, your house savings to the convenience of where the house is. Give the math up for a bit sounds like you have that covered and bring the human aspect into the equation. 