Yep, your current rent is $2000. Not $2800. That’s $9600 a year more. Your place versus buyer = $16,600 a year and counting.
Also, any chance of moving? Cost of selling… 6% plus carpet, paint, etc. ~$42,000+ or $6000/$7000 over 7 years. Possible $25,000 a year more if you move in 7 years or less.
Also, maintenance seems light. That’s $100 a month. It might be a new place, but as a home owner, a $100 run to Home Depot seemed to be common.
Does the wife want to “decorate” … $$$
Got all the Christmas, Halloween, decorations? $$$ Not as easy not participating if all the neighbors do.
Got furniture for new space?
As nesters, is the nest currently filled with Fledglings? Is it about to be? If not, in SD I find it hard to below you can’t get and keep a pretty nice place for $2000 or less.