We paid $74,481.50 in interest over 20 years.
We took 240 months to pay.
$74,481.50 / 240 = $310.33 a month in interest. (Average)
We need the home to go up 74.5% in 10 years to break-even.
Let's say we rent for 20 years and each month is $600/month
240 X $600 = $144,000 in rent.
We need the home to be $174,481 - $144,000 = $30,481 in 20 years for it to be better to purchase with a loan.
This seems pretty but we get to a point where renting vs highest interest rates and devalued homes make it better to rent.