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A simple spreadsheet should settle most of this. Give every offer the same three-year horizon and list: upfront cash, all mortgage fees, monthly payments, total paid by month 36, balance then, and the cost of leaving early at a few plausible dates. Add separate columns for portability conditions...

The legal and mortgage threads are worth reading early, not after finding a candidate property. They help reveal which questions your spreadsheet is missing. I’d make three checklists: purchase costs, recurring operating costs, and exit costs. Leave uncertain figures as ranges so a neat total...