Housing is a subject that every person faces during their lifetime. Based on the advantages and challenges of both renting and buying, which option would you choose? Why? If money were not a problem, would you change your choice? Why or why not?

the right answer is demonstrative.

these is a plural demonstrative pronoun which shows proximity. it is usually used to refer to or introduce people or things that are near us. in the example, "these" indicates that the elements that belong to them are close by physically. other demonstrative pronouns are this, that and those.