Good calculation from investment point of view.

However, the difference in life quality was not included. After I bought my first towhhouse and then traded up for a SFH, I would never go back to live in an apartment. (Even though I was living in a nice apartment building with all kinds of amenities. At that time, I thought buying and maintaining a house was too much hassel, only because I did not know better.) One has to remember what you work so hard or invest so hard for. To improve your life quality, that is!