Hi Chirag - I realize your post was a while ago - but if you are like any of my buyers then you might still be looking or on the fence? I recommend buying - its how you build net worth. But I would make sure that you buy in a building that allows rentals - this way f you decide to move in 5 years - you can either sell or rent it out and let someone else make your mortgage payment. Interest rates are lower than they have ever been and prices seem to have stabilized. Sounds like you have done your homework too. Let me know if you need an experienced agent to show you any properties, when you are a buyer my services are free! Best of luck!