Buying a home in Miami has become more expensive over the last few years.Boogich/Getty ImagesJorge Argota, 35, runs his own digital marketing agency in Miami and made about $120,000 last year.He said the mortgage for a house he'd want would start at around $3,000 a month. His rent is $2,300.Argota prefers to rent without worrying about the additional expense of homeownership.This as-told-to essay is based on a conversation with Jorge Argota, 35, who runs his own digital marketing company in Miami.