Much of the answer lies in the ability to get funding for the purchase and having the financial resources to provide a down payment. A deposit for an owner occupied building can run 15-20% of the purchase price. You also have closing costs to consider. Generally speaking, if the mortgage payment is less than the lease payment it would be better to own, however, you have to figure in the expense of insurance, property taxes and maintenance. A good commercial Broker can do an analysis of your personal situation.