DwellQ simulates both financial paths month by month: renting while investing the difference, versus buying with every real cost included — mortgage interest, property taxes, insurance, maintenance, PMI, closing and selling costs, and the opportunity cost of your down payment. The result is a net-worth comparison over your actual time horizon, including the break-even year where one path overtakes the other. Q+ adds state-specific tax intelligence, ARM loan modeling, and refinance scenarios.