Graham Net Net
questflowai/investorskills
A skill your agent uses when evaluating Benjamin Graham-style deep value: net-nets, working capital bargains, margin of safety, statistical cheapness, and balance-sheet protection.
Model rent-vs-buy honestly — year-by-year net position for both paths including the assumption everyone drops (the renter invests the difference), with a breakeven horizon instead of a verdict.
MITAuto-check passed
Install Rent Vs Buy
$ npx skills add mohitagw15856/pm-claude-skills --skill rent-vs-buy -a claude-codeProject install by default; add -g for ~/.claude/skills/.
$ gh skill install mohitagw15856/pm-claude-skills rent-vs-buy --agent claude-codeProject scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .claude/skills && cp -r skills-src/skills/rent-vs-buy .claude/skills/rent-vs-buy && rm -rf skills-srcUse ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.
Claude Code skills documentation · loads skills from .claude/skills/
Install the "rent-vs-buy" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/rent-vs-buy into .claude/skills/rent-vs-buy/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "rent-vs-buy", then confirm the skill loads.Claude Code copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$skill-installer install https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/rent-vs-buyType this inside Codex. $skill-installer <name> installs a curated skill from openai/skills. The installer writes to $CODEX_HOME/skills (default ~/.codex/skills). Restart Codex if the skill does not show up.
$ npx skills add mohitagw15856/pm-claude-skills --skill rent-vs-buy -a codexProject install goes to .agents/skills/; add -g for ~/.codex/skills/.
$ gh skill install mohitagw15856/pm-claude-skills rent-vs-buy --agent codexProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .agents/skills && cp -r skills-src/skills/rent-vs-buy .agents/skills/rent-vs-buy && rm -rf skills-srcUse ~/.agents/skills/ instead of .agents/skills for a personal install.
Codex skills documentation · loads skills from .agents/skills/
Install the "rent-vs-buy" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/rent-vs-buy into .agents/skills/rent-vs-buy/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "rent-vs-buy", then confirm the skill loads.Codex copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add mohitagw15856/pm-claude-skills --skill rent-vs-buy -a cursorProject install goes to .agents/skills/; add -g for ~/.cursor/skills/.
$ gh skill install mohitagw15856/pm-claude-skills rent-vs-buy --agent cursorProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .cursor/skills && cp -r skills-src/skills/rent-vs-buy .cursor/skills/rent-vs-buy && rm -rf skills-srcUse ~/.cursor/skills/ instead of .cursor/skills for a personal install.
Cursor skills documentation · loads skills from .cursor/skills/, .agents/skills/, .claude/skills/, .codex/skills/
Install the "rent-vs-buy" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/rent-vs-buy into .cursor/skills/rent-vs-buy/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "rent-vs-buy", then confirm the skill loads.Cursor copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gemini skills install https://github.com/mohitagw15856/pm-claude-skills.git --path skills/rent-vs-buy--scope user (default) or --scope workspace; --path is the subfolder of the repo that holds the skill; --consent skips the security confirmation prompt.
$ npx skills add mohitagw15856/pm-claude-skills --skill rent-vs-buy -a gemini-cliProject install goes to .agents/skills/; add -g for ~/.gemini/skills/.
$ gh skill install mohitagw15856/pm-claude-skills rent-vs-buy --agent gemini-cliProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .gemini/skills && cp -r skills-src/skills/rent-vs-buy .gemini/skills/rent-vs-buy && rm -rf skills-srcUse ~/.gemini/skills/ instead of .gemini/skills for a personal install, then run /skills reload.
Gemini CLI skills documentation · loads skills from .gemini/skills/, .agents/skills/
Install the "rent-vs-buy" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/rent-vs-buy into .gemini/skills/rent-vs-buy/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "rent-vs-buy", then confirm the skill loads.Gemini CLI copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gh skill install mohitagw15856/pm-claude-skills rent-vs-buyInstalls for Copilot at project scope by default; add --scope user for a personal install. Preview a skill first with gh skill preview. Needs GitHub CLI 2.90.0 or later (public preview).
$ npx skills add mohitagw15856/pm-claude-skills --skill rent-vs-buy -a github-copilotProject install goes to .agents/skills/; add -g for ~/.copilot/skills/.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .github/skills && cp -r skills-src/skills/rent-vs-buy .github/skills/rent-vs-buy && rm -rf skills-srcUse ~/.copilot/skills/ instead of .github/skills for a personal install. Commit .github/skills so cloud agent and code review can use it.
GitHub Copilot skills documentation · loads skills from .github/skills/, .claude/skills/, .agents/skills/
Install the "rent-vs-buy" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/rent-vs-buy into .github/skills/rent-vs-buy/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "rent-vs-buy", then confirm the skill loads.GitHub Copilot copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add mohitagw15856/pm-claude-skills --skill rent-vs-buy -a opencodeOpenCode documents no install command of its own. Project install goes to .agents/skills/; add -g for ~/.config/opencode/skills/.
$ gh skill install mohitagw15856/pm-claude-skills rent-vs-buy --agent opencodeProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .opencode/skills && cp -r skills-src/skills/rent-vs-buy .opencode/skills/rent-vs-buy && rm -rf skills-srcUse ~/.config/opencode/skills/ instead of .opencode/skills for a personal install.
OpenCode skills documentation · loads skills from .opencode/skills/, .claude/skills/, .agents/skills/
Install the "rent-vs-buy" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/rent-vs-buy into .opencode/skills/rent-vs-buy/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "rent-vs-buy", then confirm the skill loads.OpenCode copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
Facts
- Skill name
rent-vs-buy- GitHub stars
- 1.4k
- Token cost
- ~1.2k tokens
- SKILL.md length
- 578 words
- Files
- 3 (incl. scripts, references)
- Skills in repo
- 1,348
- Repo updated
- First seen
- Licence
- MIT
At a glance
Model rent-vs-buy honestly — year-by-year net position for both paths including the assumption everyone drops (the renter invests the difference), with a breakeven horizon instead of a verdict.
- Asked should I rent
- SKILL.md covers What This Skill Produces, Required Inputs, Programmatic Helper and Framework: The Symmetry Rules, plus 7 more sections
- Runs Python scripts from its folder; calls python3
- Does buying beat renting in my city
What it does
Rent Vs Buy is an agent skill from mohitagw15856/pm-claude-skills. Model rent-vs-buy honestly — year-by-year net position for both paths including the assumption everyone drops (the renter invests the difference), with a breakeven horizon instead of a verdict. Use when asked should I rent or buy, does buying beat renting in my city, when does buying break even, or run the rent-vs-buy numbers. Produces the year-by-year comparison table, the breakeven year, the assumption list with defaults labeled, and the not-modeled list.
Its SKILL.md is about 1.2k tokens, which your agent loads only when the skill is triggered. The skill folder holds 4 other files, including scripts and reference files (for example `references/worked-example.md` and `scripts/rent_vs_buy.py`).
The repository describes itself as: 1255 professional Agent Skills for Claude, ChatGPT, Gemini, Cursor & Codex — PRDs, postmortems, leases, medical bills, layoffs, go-bags, new countries. Plain markdown, MIT, in… The licence is MIT.
When your agent uses it
- Asked should I rent
- Does buying beat renting in my city
- Does buying break even
- Run the rent-vs-buy numbers
Example prompts
- “/rent-vs-buy”
Requirements
- Python 3
What it can do on your machine
Read from SKILL.md and the folder at commit 1cbf1f0. It shows what the files ask for, not the result of running them.
Tool permissions
Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.
From allowed-tools in the SKILL.md frontmatter.
Runs code
Ships 1 file in scripts/ (Python), which the agent can run.
Shell commands in SKILL.md call:
python3
From the folder's file list and the shell code blocks in SKILL.md.
Network
No URLs in SKILL.md.
From URLs in SKILL.md, links to its own repository left out.
Credentials
Names no API keys, tokens, secrets or passwords.
From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.
Context cost
Rent Vs Buy loads about 1.2k tokens when it runs, and up to ~2.3k if it reads all its reference files. Until then it costs about 118 tokens; SKILL.md has 578 words of instructions outside code blocks.
Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.
Safety
Auto-check passed
The automated check found no risky patterns in SKILL.md.
Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); the scripts in this folder are not scanned.
SKILL.md
The full file from mohitagw15856/pm-claude-skills at commit 1cbf1f0, republished under its MIT licence (© mohitagw15856). 578 words, ~1,184 tokens.
Download SKILL.mdSave it as
.claude/skills/rent-vs-buy/SKILL.md (or your agent's skills folder). This skill also uses 2 other files; get the full folder from GitHub.- name
- rent-vs-buy
- description
- Model rent-vs-buy honestly — year-by-year net position for both paths including the assumption everyone drops (the renter invests the difference), with a breakeven horizon instead of a verdict. Use when asked should I rent or buy, does buying beat renting in my city, when does buying break even, or run the rent-vs-buy numbers. Produces the year-by-year comparison table, the breakeven year, the assumption list with defaults labeled, and the not-modeled list.
Rent vs Buy Skill
Rent-vs-buy arguments are usually two people comparing different questions: one counts equity and forgets transaction costs and carry; the other counts rent as "thrown away" and forgets the renter can invest the difference. This skill runs the symmetric model — both paths get their real costs and their real compounding — and delivers a breakeven horizon, because the honest answer is almost always "it depends how long you stay."
What This Skill Produces
- The year-by-year table — owner net position (equity minus selling costs) vs renter net position (invested savings), per year
- The breakeven year — before it, renting won; after it, buying won, on the stated assumptions
- The assumption ledger — every input labeled, defaults flagged as defaults
- The not-modeled list — taxes/deductions, renovation risk, the non-financials — stated up front
Required Inputs
Ask for these if not provided:
- Home price and comparable monthly rent — same home, same neighborhood; comparing a condo rent to a house purchase is the classic apples-to-oranges error
- Down payment %, mortgage rate, term (defaults 20% / 6.5% / 30yr, labeled)
- How long they expect to stay — the single most decision-relevant input
- Growth assumptions — appreciation, rent growth, investment return (defaults 3/3/5%, labeled)
Programmatic Helper
python3 scripts/rent_vs_buy.py --price 450000 --rent 2200
python3 scripts/rent_vs_buy.py --price 450000 --rent 2200 --horizon 10 --appreciation 2 --jsonDeterministic. The renter's pot starts at the down payment + closing costs (the money a buyer parts with on day one) and each year absorbs the difference between owner outflow and rent. Selling costs are applied at every horizon — equity you can't access without paying 7% isn't fully yours.
Framework: The Symmetry Rules
- The renter invests the difference — the model's load-bearing assumption; a renter who spends the difference makes buying win almost automatically, and that's a behavior question, not a math question. Say so.
- Carry costs are real — tax, insurance, maintenance (~2%/yr of value) never build equity; "my mortgage is like rent" omits them
- Transaction costs decide short horizons — ~3% in and ~7% out is why breakeven is measured in years, not months
- Appreciation is an assumption, not a birthright — vary it before trusting a conclusion; a 1-point change often moves breakeven by years
- The output is a horizon, not a verdict — "buying wins if you stay past year N" is the honest deliverable
Show full SKILL.md (222 more words)Show less
Output Format
Rent vs Buy: [scenario]
The Table and the Breakeven
[Script output: year-by-year net positions, breakeven year]
What the Breakeven Means
[Two sentences: how the user's expected stay compares to the breakeven, and which assumption the conclusion is most hostage to.]
What This Model Ignores
Taxes and deductions (jurisdiction-specific) · renovation and repair surprises · rate refinancing · the non-financials (stability, flexibility, the yard) — which are allowed to outvote the math.
Educational model, not financial advice — verify with a licensed professional before acting on it.
Quality Checks
- The renter-invests-the-difference assumption is stated explicitly
- Selling costs are inside the owner's net position at every horizon
- The breakeven year is compared against how long the user expects to stay
- At least one sensitivity note (appreciation or investment return varied)
- The disclaimer line appears in the artifact
Anti-Patterns
- Do not declare a universal winner — the deliverable is a breakeven horizon
- Do not count rent as "thrown away" without counting interest, tax, and maintenance the same way
- Do not compare non-comparable homes (rent a 1BR vs buy a 3BR)
- Do not model jurisdiction-specific tax benefits — name them as unmodeled instead
- Do not let the math silently overrule stated non-financial priorities — surface the tension
Example Trigger Phrases
- "Should I rent or buy?"
- "Does buying beat renting where I live?"
- "Run the rent-vs-buy numbers."
- "How long until buying breaks even?"
© mohitagw15856, MIT. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file
Files
SKILL.md and 2 other files (scripts, references) in skills/rent-vs-buy of mohitagw15856/pm-claude-skills.
- SKILL.md
- references/worked-example.md
- scripts/rent_vs_buy.py
Open the folder on GitHubat commit 1cbf1f0
Compare with similar skills
Rent Vs Buy next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.
| Skill | Stars | Used in | Tokens | Auto-check | Licence | Repo updated |
|---|---|---|---|---|---|---|
| Rent Vs Buy this skillmohitagw15856/pm-claude-skills | 1.4k | — | ~1.2k | Automated safety check: Pass | MIT | |
| Graham Net Netquestflowai/investorskills | 1.9k | — | ~478 | Automated safety check: Pass | MIT | |
| Nano Nets AutomationComposioHQ/awesome-claude-skills | 77k | 3 repos | ~738 | Automated safety check: Pass | None | |
| Weread Year In Review Video Templatenexu-io/open-design | 100k | — | ~784 | Automated safety check: Pass | Apache-2.0 | |
| Netzhinkgit/embeddedskills | 734 | — | ~1.1k | Automated safety check: Pass | MIT | |
| Update Copyright YearMichaelGrafnetter/DSInternals | 2k | — | ~404 | Automated safety check: Pass | MIT |
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Questions about Rent Vs Buy
What does Rent Vs Buy do?
Model rent-vs-buy honestly — year-by-year net position for both paths including the assumption everyone drops (the renter invests the difference), with a breakeven horizon instead of a verdict. Rent Vs Buy is an agent skill from mohitagw15856/pm-claude-skills. Model rent-vs-buy honestly — year-by-year net position for both paths including the assumption everyone drops (the renter invests the difference), with a breakeven horizon instead of a verdict.
When should I use Rent Vs Buy?
Rent Vs Buy fits situations like: asked should I rent; does buying beat renting in my city; does buying break even; run the rent-vs-buy numbers.
How do I install Rent Vs Buy in Claude Code?
Run `npx skills add mohitagw15856/pm-claude-skills --skill rent-vs-buy -a claude-code`. Or copy the skill folder (skills/rent-vs-buy in mohitagw15856/pm-claude-skills) into .claude/skills/rent-vs-buy in your project. Claude Code loads it when a task matches its description.
How do I install Rent Vs Buy in Codex?
Run `npx skills add mohitagw15856/pm-claude-skills --skill rent-vs-buy -a codex`. Or copy the skill folder (skills/rent-vs-buy in mohitagw15856/pm-claude-skills) into .agents/skills/rent-vs-buy in your project. Codex loads it when a task matches its description.
Can I use Rent Vs Buy in Cursor, Gemini CLI or GitHub Copilot?
Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add mohitagw15856/pm-claude-skills --skill rent-vs-buy -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/rent-vs-buy, .gemini/skills/rent-vs-buy, .github/skills/rent-vs-buy and .opencode/skills/rent-vs-buy in your project.
What does Rent Vs Buy need to run?
Going by SKILL.md and its folder, Rent Vs Buy needs Python for the scripts in its folder and the command-line tools its instructions call (python3). Our summary lists: Python 3.
Does Rent Vs Buy access the network?
SKILL.md contains no URLs. Any network use would come from the scripts or tools the agent runs. This is read from the text; nothing was executed.
Is Rent Vs Buy safe to install?
Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. The check reads SKILL.md only: the scripts in the folder are not scanned, so read them before running anything.
What licence does Rent Vs Buy use?
Rent Vs Buy is published under the MIT licence (the repository's licence). It allows redistribution, so the full SKILL.md is shown on this page.
How many tokens does Rent Vs Buy use?
About 1.2k tokens (SKILL.md is roughly 4.7k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full. Its references folder adds about 1.1k tokens, read only when the agent opens those files.
What are the alternatives to Rent Vs Buy?
Skills that share tags, products or a category with Rent Vs Buy: Graham Net Net (questflowai/investorskills, 1.9k stars), Nano Nets Automation (ComposioHQ/awesome-claude-skills, 77k stars), Weread Year In Review Video Template (nexu-io/open-design, 100k stars) and Net (zhinkgit/embeddedskills, 734 stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.
Who maintains Rent Vs Buy?
mohitagw15856 (a GitHub user) maintains it in mohitagw15856/pm-claude-skills, which has 1,434 GitHub stars. The repository holds 1,348 skills in this directory. The repository was last updated on October 9, 2026.
Source: mohitagw15856/pm-claude-skills on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.