Rent rises every year. Property prices rise too. The gap between what you can save and what you need keeps widening. Here is what that looks like in your market, with your numbers, over time.
Keep renting + invest. Pay rent + other expenses; invest whatever is left at the stock-return rate. Rent grows each year.
Buy traditionally. Save aggressively until you can cover the full upfront (down payment + closing). The property grows during that period, so the bar rises. Buy with a standard amortizing mortgage; remaining cash flow keeps investing.
Buy with Sooner. Same as traditional, but the upfront bar is reduced by Sooner's coverage (default 8% of property value). You buy sooner. The facility is repaid over 5 years at flat 10%/yr of the original principal.
Math
Net wealth = portfolio + home equity − Sooner balance
Sooner repayment = principal × 1.5 over 60 months (principal amortizes linearly)
Income grows at the rate you set (default 2% real / yr)
Simulation steps month by month, snapshots at year boundaries
Not modeled
Maintenance, selling costs, taxes on sale
Market volatility (stock + property returns are deterministic)