Sarah Chen makes 12k a month, wants to keep total DTI at 43%, has 650 in other debt, taxes 450 ins 150, 20% down, 7.25% for 30 yrs. how much house can she get?
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Jul 9, 2026 7:38 PMResponse
Creating Scenario 1.
Loan Term in Months
Converts the practitioner-facing loan term into a bare month count for downstream math. A value with no unit passes through unchanged (already months); a unit-bearing value (for example 30 yr) is normalized to months.
• Loan Term (Months): 360 • Loan Term: 30 yr
Maximum Qualifying PI Payment (PMI-Aware Final)
Calculates the borrower's maximum qualifying PI payment, with PMI folded in when it applies.
• Maximum Qualifying PI Payment: $3,910.00 • Target DTI: 43.000% • Gross Monthly Income: $12,000.00 • Monthly Other Debt Obligations: $650.00 • Monthly Property Tax: $450.00 • Monthly Homeowner's Insurance: $150.00 • Monthly HOA Dues: 0.00
Maximum Qualifying Loan Amount Pass 1 (No PMI)
Calculates the loan amount that the first-pass qualifying PI payment can support.
• Maximum Qualifying Loan Amount (Pass 1, No PMI): $573,165.63 • Maximum Qualifying PI Payment: $3,910.00 • Note Rate: 7.250% • Loan Term (Months): 360
Effective LTV at Qualifying
Calculates what the LTV would be at the borrower's maximum qualifying home price.
• Effective LTV at Qualifying: 80.000% • Down Payment Percent: 20.000%
PMI Required at Qualifying
Determines whether PMI applies at the borrower's maximum qualifying home price.
• PMI Required at Qualifying: 0 • Effective LTV at Qualifying: 80.000% • PMI LTV Threshold: 80.000%
Estimated PMI at Qualifying
Estimates the monthly PMI the borrower will need to pay if they buy at the top of their qualifying range.
• Estimated PMI at Qualifying: $0.00 • PMI Required at Qualifying: 0 • Maximum Qualifying Loan Amount (Pass 1, No PMI): $573,165.63 • Annual PMI Rate (Estimate): 0.5500%
Maximum Qualifying Loan Amount (PMI-Aware Final)
Calculates the borrower's maximum qualifying loan amount, with PMI folded in when it applies.
• Maximum Qualifying Loan Amount: $573,165.63 • Maximum Qualifying PI Payment: $3,910.00 • Estimated PMI at Qualifying: $0.00 • Note Rate: 7.250% • Loan Term (Months): 360
Maximum Qualifying Purchase Price (PMI-Aware Final, From Percent Down)
Calculates the PMI-aware final qualifying purchase price when the practitioner states down payment as a percent of price instead of a dollar amount. Algebraically derives the price directly from the qualifying loan amount and the down payment percent without requiring a dollar down payment input.
• Maximum Qualifying Purchase Price: $716,457.04 • Maximum Qualifying Loan Amount: $573,165.63 • Down Payment Percent: 20.000%
Requested result for Maximum Qualifying Purchase Price is $716,457.04.
Mark Smith owes $400k at 7.5%, 28 years left. refinancing into a new 30-year at 6.25%, $8k in closing costs. show me the cumulative savings over a 7-year hold.
ENGINE INPUT (LANGUAGE MODEL INTERPRETATION)
current_loan_balance: 400000 USD current_note_rate: 7.5% current_remaining_term: 28 yr loan_amount: 400000 USD note_rate: 6.25% loan_term: 30 yr total_closing_costs: 8000 USD refi_hold: 7 yr calculate: refi_savings_curve
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Jul 9, 2026 10:58 AMResponse
Creating Scenario 1.
New Loan Payment
Monthly PI on the new 30-year at 6.250%.
• Monthly PI (new): $2,462.87
Current Loan Payment (Pre-Refi)
Computed from the existing balance, rate, and remaining term.
• Monthly PI (current): $2,851.47
Monthly Savings from Refinance
Current payment minus the new payment.
• Monthly savings: $388.60
Refi Cumulative Savings Curve
Cumulative net savings month by month: starts at negative closing costs, climbs as the monthly savings accrue.
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02 The comparison
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One prompt. Ten runs each. Nothing staged.
The prompt, sent to each“A 7,000,000 deal: NOI 450,000 growing 3%, 5-year hold, 65% LTV at 7% on 30-year am, closing 1.5%, exit cap 6.5%, selling costs 2%. What's my levered IRR?”
The exact answer · 5-year levered IRR 10.8463781499708%
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avg time29.7 s
energy / call~1.5 Wh
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avg time3.1 s9.6× faster
energy / call~0.003 Wh~500× less
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