[sparrc]

That's not necessarily the case. When you buy a house you can't suddenly just have a mortgage payment equivalent to someone who bought 10-20 years ago. And someone who just recently bought a house cannot charge higher rent than someone who bought 10-20 years ago.

In other words, rent is dictated by the market, not some "cost plus profit" calculation on a per-landlord basis as you're describing.

If you're renting from someone who just recently bought the house, they are very likely taking a short-term loss for long-term gain.