In this episode of Pinpointe Unfiltered, Rachel and Josh break down the actual costs of renting versus buying in NYC's complex real estate market. Forget the standard "5-year rule" – we're diving into real case studies across neighborhoods like Kips Bay, FiDi, and Brooklyn Heights to show you exactly what you'd pay as a renter or owner. From the shocking upfront costs to the hidden fees nobody warns you about, this episode delivers the unfiltered financial reality behind NYC's housing choices. Whether you're sitting on a down payment or still saving up, this is the straight-talk guide to making your next move with confidence.