Imputed rent doesn't seem like a strong concept here. If someone wants to imagine expenses, then they can certainly imagine that the player bought an annuity that pays his landlord the rent forever, so that imagining the imputed rent has to come out of his 25K is like double-counting the rent.

I'm not 100% sure I understand your comment.

Even without owning one's own home, not all areas have high rent, even within the same state. California, for example, has a pretty big swing in rents between the Bay Area and even Sacramento, let alone somewhere further north or south in the Central Valley.