npm - @archerjessop/utilities - Versions diffs - 7.25.0 → 7.26.0 - Mend

@archerjessop/utilities 7.25.0 → 7.26.0

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package/dist/financial/calculations.js +1 -1
package/dist/financial/calculations.js.map +1 -1
package/dist/financial/equity-carry.js +1 -1
package/dist/financial/equity-carry.js.map +1 -1
package/package.json +1 -1

package/dist/financial/calculations.js CHANGED Viewed

@@ -1,2 +1,2 @@
-import{FINANCIAL_CONSTANTS as e}from"../config/financial.js";import{BUSINESS_CONSTANTS as t}from"../config/business.js";import{PROPERTY_TYPES as r,PROPERTY_TYPE_CONSTANTS as a}from"../config/property-types.js";const c=e.INTEREST_RATE_TIERS[e.DEFAULT_INTEREST_RATE_TYPE];function calculatePMT(e,t,r){if(0===t)return e/(12*r);const a=t/12,c=12*r;return e*(a*Math.pow(1+a,c))/(Math.pow(1+a,c)-1)}function calculateCOCR30(e,t){try{const r=.3*e,a=12*calculatePMT(.7*e,.075,30);return(t-a)/r*100}catch(e){return 0}}function calculateCashFlowYield(e,t){if(!t||t<=0)return 0;return 12*e/t*100}function equityPercentFromDebt(e,t){const r=Number(e),a=Number(t);return!Number.isFinite(r)||r<=0?1:Number.isFinite(a)?(r-a)/r:1}function calculatePriceForCOCR(r,a=.15,n={}){const{downPercent:l=100*e.DEFAULT_DOWN_PAYMENT,dscrLtvPercent:u=100*e.DEFAULT_DSCR_PERCENTAGE,dscrRate:o=c.rate,dscrTerm:i=c.amortization,maxIterations:s=t.MAX_ITERATIONS,tolerance:E=t.CALCULATION_TOLERANCE}=n;try{let e=r/.08,c=0;for(;c<s;){const n=e*(l/100),s=12*calculatePMT(e*(u/100),o,i),T=(r-s)/n;if(Math.abs(T-a)<E)break;const R=T-a,A=R*t.ADJUSTMENT_FACTOR;e*=R>0?1+Math.abs(A):1-Math.abs(A),e<1e3&&(e=1e3),e>r*t.MAX_COCR15_PRICE_MULTIPLIER&&(e=r*t.CONSERVATIVE_COCR15_PRICE_MULTIPLIER),c++}return e<t.MINIMUM_COCR15_PRICE&&(e=t.MINIMUM_COCR15_PRICE),e}catch(e){return 0}}function calculateCOCRAtPercent(e,t,r,a={}){const{dscrRate:n=c.rate,dscrTerm:l=c.amortization}=a;try{const a=e*(r/100),c=12*calculatePMT(e-a,n,l);return(t-c)/a*100}catch(e){return 0}}function calculateSTRNOI(e,t=null,r={}){const{grossRate:c=a.STR.ESTIMATED_GROSS_RATE,noiPercentage:n=a.STR.NOI_PERCENTAGE}=r;try{if(t&&Number.isFinite(t.value)&&t.value>=0){if("noi"===t.type)return t.value;if("gross"===t.type)return t.value*n}return!Number.isFinite(e)||e<=0?0:e*c*n}catch(e){return 0}}function calculateNOIByType(e,t,c=r.MULTIFAMILY,n={}){const{strApiResult:l=null,strGrossIncomeMultiplier:u=a.STR.ESTIMATED_GROSS_RATE,strNoiPercentage:o=a.STR.NOI_PERCENTAGE,assistedIncomePerBedroom:i=a.ASSISTED_LIVING.INCOME_PER_BEDROOM_MONTHLY,bedroomCount:s=a.ASSISTED_LIVING.DEFAULT_BEDROOM_COUNT}=n;try{switch(c.toLowerCase()){case r.STR:return calculateSTRNOI(e,l,{grossRate:u,noiPercentage:o});case r.ASSISTED_LIVING:return s*i*12;case r.MULTIFAMILY:default:return e*t}}catch(e){return 0}}function resolveListingFinancials({bedroomCount:e=null,confirmedNOI:t=null,estimatedCapRate:a,price:c,propertyType:n=r.MULTIFAMILY,reportedCapRate:l=null,strApiResult:u=null}={}){const o=null!=l&&Number.isFinite(l),i=o?l:a,s=u&&Number.isFinite(u.value)&&u.value>=0&&("noi"===u.type||"gross"===u.type);let E,T;if(null!=t&&Number.isFinite(t)&&t>=0)E=t,T="confirmed";else{E=calculateNOIByType(c,i,n,{bedroomCount:e,strApiResult:u});const t=(n||"").toLowerCase();T=t===r.STR?s?"measured":"estimate":t===r.ASSISTED_LIVING?"bedrooms":o?"cap":"estimate"}Number.isFinite(E)||(E=0);return{activeCapRate:Number.isFinite(c)&&c>0?E/c:null,noi:E,noiSource:T,reportedCapRate:o?l:null}}function calculateAssignmentFee(e,r=100*t.ASSIGNMENT_FEE_PERCENTAGE){try{return e*(r/100)}catch(e){return 0}}function calculateNetToBuyer(r,a={}){const{buyerCostPercent:c=100*t.NET_TO_BUYER_PERCENTAGE,sellerCostAssignment:n=100*t.ASSIGNMENT_FEE_PERCENTAGE,sellerCostClosing:l=100*t.CLOSING_COSTS_PERCENTAGE,additionalCostRehab:u=100*t.REHAB_RATE,additionalCostFinancing:o=100*t.HARD_MONEY_RATE,dscrLtvPercent:i=100*e.DEFAULT_DSCR_PERCENTAGE}=a;try{return r*(c/100)-r*((n+l)/100)-r*(u/100)-o/100*(r-r*(i/100))}catch(e){return 0}}function calculateBalloonBalance(t,r,a,c=e.DEFAULT_BALLOON_PERIOD_YEARS){try{if(t<=0||r<0||a<=0||c<=0)return 0;if(c>=a)return 0;if(0===r){const e=12*a;return t*(e-12*c)/e}const e=r/12,n=12*a,l=12*c,u=Math.pow(1+e,n),o=t*(u-Math.pow(1+e,l))/(u-1);return Math.max(0,o)}catch(e){return 0}}function calculateAppreciatedValue(t,r=e.APPRECIATION_RATE,a=e.DEFAULT_BALLOON_PERIOD_YEARS){try{return t<=0||r<0||a<0?t:t*Math.pow(1+r,a)}catch(e){return t}}function calculateCashOutAfterRefi(t,r,a,n={}){const{appreciationRate:l=e.APPRECIATION_RATE,balloonYears:u=e.DEFAULT_BALLOON_PERIOD_YEARS,dscrRate:o=c.rate,dscrTerm:i=c.amortization,sellerFiTerm:s=e.SELLER_FI_AMORTIZATION,refiLtvPercent:E=70}=n;try{const c=calculateAppreciatedValue(t,l,u),n=calculateBalloonBalance(r,o,i,u),T=calculateBalloonBalance(a,e.SELLER_FI_INTEREST_RATE,s,u);return c*(E/100)-(n+T)}catch(e){return 0}}function calculateCashFlow(e,t,r){return e-(t+r)}function calculateDiscountFromPrice(e,t){return!e||e<=0?0:(e-t)/e}function calculatePriceFromDiscount(e,t){return!e||e<=0?0:e*(1-t)}function safePercentage(e,t=100){return null==e||isNaN(e)?t:100*e}export{calculateAppreciatedValue,calculateAssignmentFee,calculateBalloonBalance,calculateCOCR30,calculateCOCRAtPercent,calculateCashFlow,calculateCashFlowYield,calculateCashOutAfterRefi,calculateDiscountFromPrice,calculateNOIByType,calculateNetToBuyer,calculatePMT,calculatePriceForCOCR,calculatePriceFromDiscount,calculateSTRNOI,equityPercentFromDebt,resolveListingFinancials,safePercentage};
+import{FINANCIAL_CONSTANTS as e}from"../config/financial.js";import{BUSINESS_CONSTANTS as t}from"../config/business.js";import{PROPERTY_TYPES as r,PROPERTY_TYPE_CONSTANTS as a}from"../config/property-types.js";const c=e.INTEREST_RATE_TIERS[e.DEFAULT_INTEREST_RATE_TYPE];function calculatePMT(e,t,r){if(0===t)return e/(12*r);const a=t/12,c=12*r;return e*(a*Math.pow(1+a,c))/(Math.pow(1+a,c)-1)}function calculateCOCR30(e,t){try{const r=.3*e,a=12*calculatePMT(.7*e,.075,30);return(t-a)/r*100}catch(e){return 0}}function calculateCashFlowYield(e,t){if(!t||t<=0)return 0;return 12*e/t*100}function equityPercentFromDebt(e,t){const r=Number(e),a=Number(t);return!Number.isFinite(r)||r<=0?1:Number.isFinite(a)?(r-a)/r:1}function calculatePriceForCOCR(r,a=.15,n={}){const{downPercent:l=100*e.DEFAULT_DOWN_PAYMENT,dscrLtvPercent:u=100*e.DEFAULT_DSCR_PERCENTAGE,dscrRate:o=c.rate,dscrTerm:i=c.amortization,maxIterations:s=t.MAX_ITERATIONS,tolerance:E=t.CALCULATION_TOLERANCE}=n;try{let e=r/.08,c=0;for(;c<s;){const n=e*(l/100),s=12*calculatePMT(e*(u/100),o,i),T=(r-s)/n;if(Math.abs(T-a)<E)break;const R=T-a,A=R*t.ADJUSTMENT_FACTOR;e*=R>0?1+Math.abs(A):1-Math.abs(A),e<1e3&&(e=1e3),e>r*t.MAX_COCR15_PRICE_MULTIPLIER&&(e=r*t.CONSERVATIVE_COCR15_PRICE_MULTIPLIER),c++}return e<t.MINIMUM_COCR15_PRICE&&(e=t.MINIMUM_COCR15_PRICE),e}catch(e){return 0}}function calculateCOCRAtPercent(e,t,r,a={}){const{dscrRate:n=c.rate,dscrTerm:l=c.amortization}=a;try{const a=e*(r/100),c=12*calculatePMT(e-a,n,l);return(t-c)/a*100}catch(e){return 0}}function calculateSTRNOI(e,t=null,r={}){const{grossRate:c=a.STR.ESTIMATED_GROSS_RATE,noiPercentage:n=a.STR.NOI_PERCENTAGE}=r;try{if(t&&Number.isFinite(t.value)&&t.value>=0){if("noi"===t.type)return t.value;if("gross"===t.type)return t.value*n}return!Number.isFinite(e)||e<=0?0:e*c*n}catch(e){return 0}}function calculateNOIByType(e,t,c=r.MULTIFAMILY,n={}){const{strApiResult:l=null,strGrossIncomeMultiplier:u=a.STR.ESTIMATED_GROSS_RATE,strNoiPercentage:o=a.STR.NOI_PERCENTAGE,assistedIncomePerBedroom:i=a.ASSISTED_LIVING.INCOME_PER_BEDROOM_MONTHLY,bedroomCount:s=a.ASSISTED_LIVING.DEFAULT_BEDROOM_COUNT}=n;try{switch((c||r.MULTIFAMILY).toLowerCase()){case r.STR:return calculateSTRNOI(e,l,{grossRate:u,noiPercentage:o});case r.ASSISTED_LIVING:return s*i*12;case r.MULTIFAMILY:default:return e*t}}catch(e){return 0}}function resolveListingFinancials({bedroomCount:e=null,confirmedNOI:t=null,estimatedCapRate:a,price:c,propertyType:n=r.MULTIFAMILY,reportedCapRate:l=null,strApiResult:u=null}={}){const o=null!=l&&Number.isFinite(l),i=o?l:a,s=u&&Number.isFinite(u.value)&&u.value>=0&&("noi"===u.type||"gross"===u.type);let E,T;if(null!=t&&Number.isFinite(t)&&t>=0)E=t,T="confirmed";else{E=calculateNOIByType(c,i,n,{bedroomCount:e,strApiResult:u});const t=(n||"").toLowerCase();T=t===r.STR?s?"measured":"estimate":t===r.ASSISTED_LIVING?"bedrooms":o?"cap":"estimate"}Number.isFinite(E)||(E=0);return{activeCapRate:Number.isFinite(c)&&c>0?E/c:null,noi:E,noiSource:T,reportedCapRate:o?l:null}}function calculateAssignmentFee(e,r=100*t.ASSIGNMENT_FEE_PERCENTAGE){try{return e*(r/100)}catch(e){return 0}}function calculateNetToBuyer(r,a={}){const{buyerCostPercent:c=100*t.NET_TO_BUYER_PERCENTAGE,sellerCostAssignment:n=100*t.ASSIGNMENT_FEE_PERCENTAGE,sellerCostClosing:l=100*t.CLOSING_COSTS_PERCENTAGE,additionalCostRehab:u=100*t.REHAB_RATE,additionalCostFinancing:o=100*t.HARD_MONEY_RATE,dscrLtvPercent:i=100*e.DEFAULT_DSCR_PERCENTAGE}=a;try{return r*(c/100)-r*((n+l)/100)-r*(u/100)-o/100*(r-r*(i/100))}catch(e){return 0}}function calculateBalloonBalance(t,r,a,c=e.DEFAULT_BALLOON_PERIOD_YEARS){try{if(t<=0||r<0||a<=0||c<=0)return 0;if(c>=a)return 0;if(0===r){const e=12*a;return t*(e-12*c)/e}const e=r/12,n=12*a,l=12*c,u=Math.pow(1+e,n),o=t*(u-Math.pow(1+e,l))/(u-1);return Math.max(0,o)}catch(e){return 0}}function calculateAppreciatedValue(t,r=e.APPRECIATION_RATE,a=e.DEFAULT_BALLOON_PERIOD_YEARS){try{return t<=0||r<0||a<0?t:t*Math.pow(1+r,a)}catch(e){return t}}function calculateCashOutAfterRefi(t,r,a,n={}){const{appreciationRate:l=e.APPRECIATION_RATE,balloonYears:u=e.DEFAULT_BALLOON_PERIOD_YEARS,dscrRate:o=c.rate,dscrTerm:i=c.amortization,sellerFiTerm:s=e.SELLER_FI_AMORTIZATION,refiLtvPercent:E=70}=n;try{const c=calculateAppreciatedValue(t,l,u),n=calculateBalloonBalance(r,o,i,u),T=calculateBalloonBalance(a,e.SELLER_FI_INTEREST_RATE,s,u);return c*(E/100)-(n+T)}catch(e){return 0}}function calculateCashFlow(e,t,r){return e-(t+r)}function calculateDiscountFromPrice(e,t){return!e||e<=0?0:(e-t)/e}function calculatePriceFromDiscount(e,t){return!e||e<=0?0:e*(1-t)}function safePercentage(e,t=100){return null==e||isNaN(e)?t:100*e}export{calculateAppreciatedValue,calculateAssignmentFee,calculateBalloonBalance,calculateCOCR30,calculateCOCRAtPercent,calculateCashFlow,calculateCashFlowYield,calculateCashOutAfterRefi,calculateDiscountFromPrice,calculateNOIByType,calculateNetToBuyer,calculatePMT,calculatePriceForCOCR,calculatePriceFromDiscount,calculateSTRNOI,equityPercentFromDebt,resolveListingFinancials,safePercentage};
 //# sourceMappingURL=calculations.js.map

package/dist/financial/calculations.js.map CHANGED Viewed

	@@ -1 +1 @@
1	- {"version":3,"file":"calculations.js","sources":["../../src/financial/calculations.js"],"sourcesContent":["// src/financial/calculations.js\r\n\r\nimport { FINANCIAL_CONSTANTS } from '../config/financial.js';\r\nimport { BUSINESS_CONSTANTS } from '../config/business.js';\r\nimport { PROPERTY_TYPE_CONSTANTS, PROPERTY_TYPES } from '../config/property-types.js';\r\n\r\nconst DEFAULT_TIER = FINANCIAL_CONSTANTS.INTEREST_RATE_TIERS[FINANCIAL_CONSTANTS.DEFAULT_INTEREST_RATE_TYPE];\r\n\r\n\r\n/*\r\n PMT function for loan payment calculation\r\n * @param {number} principal - Loan principal amount \r\n * @param {number} annualRate - Annual interest rate (as decimal, e.g., 0.075 for 7.5%)\r\n * @param {number} years - Loan term in years\r\n * @returns {number} Monthly payment amount\r\n /\r\nexport function calculatePMT(principal, annualRate, years) {\r\n if (annualRate === 0) {\r\n return principal / (years 12);\r\n }\r\n \r\n const monthlyRate = annualRate / 12;\r\n const numPayments = years * 12;\r\n const pmt = principal * (monthlyRate * Math.pow(1 + monthlyRate, numPayments)) / \r\n (Math.pow(1 + monthlyRate, numPayments) - 1);\r\n return pmt;\r\n}\r\n\r\nexport function calculateCOCR30(askingPrice, noi) {\r\n try {\r\n const cashInvested = askingPrice * 0.30; // 30% down payment\r\n const dscrLoanAmount = askingPrice * 0.70; // Fixed 70% DSCR loan\r\n const dscrPayment = calculatePMT(dscrLoanAmount, 0.075, 30) * 12; // Annual DSCR payment\r\n const annualCashFlow = noi - dscrPayment;\r\n const cocr = (annualCashFlow / cashInvested) * 100;\r\n \r\n return cocr;\r\n } catch (error) {\r\n return 0;\r\n }\r\n}\r\n\r\nexport function calculateCashFlowYield(monthlyCashFlow, purchasePrice) {\r\n if (!purchasePrice \|\| purchasePrice <= 0) return 0;\r\n const annualCashFlow = monthlyCashFlow * 12;\r\n return (annualCashFlow / purchasePrice) * 100;\r\n}\r\n\r\n/*\r\n Equity as a decimal fraction of price, derived from outstanding debt.\r\n * equity = (price - debtBalance) / price. Recompute whenever the user edits price.\r\n * Falls back to 1 (100% equity) when debt is unavailable or price is non-positive,\r\n * matching the \"estimated = 100%\" rule when the debt service returns no number.\r\n * @param {number} price - Listing/asking/offered price.\r\n * @param {number} debtBalance - Outstanding mortgage balance owing.\r\n * @returns {number} Equity as a decimal (e.g. 0.59 for 59%); 1 when debt is unknown.\r\n /\r\nexport function equityPercentFromDebt(price, debtBalance) {\r\n const p = Number(price);\r\n const d = Number(debtBalance);\r\n if (!Number.isFinite(p) \|\| p <= 0) return 1;\r\n if (!Number.isFinite(d)) return 1;\r\n return (p - d) / p;\r\n}\r\n\r\n\r\n/\r\n Calculate the property price that yields a target COCR percentage\r\n * @param {number} noi - Net Operating Income (annual)\r\n * @param {number} targetCOCR - Target COCR as decimal (default: 0.15 for 15%)\r\n * @param {Object} options - Configuration options (uses config constants as defaults)\r\n * @returns {number} Calculated property price\r\n /\r\nexport function calculatePriceForCOCR(noi, targetCOCR = 0.15, options = {}) {\r\n const {\r\n downPercent = FINANCIAL_CONSTANTS.DEFAULT_DOWN_PAYMENT 100,\r\n dscrLtvPercent = FINANCIAL_CONSTANTS.DEFAULT_DSCR_PERCENTAGE * 100,\r\n dscrRate = DEFAULT_TIER.rate,\r\n dscrTerm = DEFAULT_TIER.amortization,\r\n maxIterations = BUSINESS_CONSTANTS.MAX_ITERATIONS,\r\n tolerance = BUSINESS_CONSTANTS.CALCULATION_TOLERANCE\r\n } = options;\r\n\r\n try {\r\n let targetPrice = noi / 0.08; // Initial estimate: NOI / 8% cap rate\r\n let iterations = 0;\r\n \r\n while (iterations < maxIterations) {\r\n const cashInvested = targetPrice * (downPercent / 100);\r\n const dscrLoanAmount = targetPrice * (dscrLtvPercent / 100);\r\n const dscrPayment = calculatePMT(dscrLoanAmount, dscrRate, dscrTerm) * 12;\r\n const annualCashFlow = noi - dscrPayment;\r\n const currentCOCR = annualCashFlow / cashInvested;\r\n \r\n if (Math.abs(currentCOCR - targetCOCR) < tolerance) {\r\n break;\r\n }\r\n \r\n const error = currentCOCR - targetCOCR;\r\n const adjustment = error * BUSINESS_CONSTANTS.ADJUSTMENT_FACTOR;\r\n \r\n if (error > 0) {\r\n targetPrice = targetPrice * (1 + Math.abs(adjustment));\r\n } else {\r\n targetPrice = targetPrice * (1 - Math.abs(adjustment));\r\n }\r\n \r\n // Reasonable bounds during iteration (prevent extreme values)\r\n if (targetPrice < 1000) targetPrice = 1000;\r\n if (targetPrice > noi * BUSINESS_CONSTANTS.MAX_COCR15_PRICE_MULTIPLIER) {\r\n targetPrice = noi * BUSINESS_CONSTANTS.CONSERVATIVE_COCR15_PRICE_MULTIPLIER;\r\n }\r\n \r\n iterations++;\r\n }\r\n \r\n // Apply final bounds check AFTER iteration\r\n if (targetPrice < BUSINESS_CONSTANTS.MINIMUM_COCR15_PRICE) {\r\n targetPrice = BUSINESS_CONSTANTS.MINIMUM_COCR15_PRICE;\r\n }\r\n \r\n return targetPrice;\r\n } catch (error) {\r\n return 0;\r\n }\r\n}\r\n\r\n/*\r\n Calculate COCR at a specific down payment percentage\r\n * @param {number} askingPrice - Property asking price\r\n * @param {number} noi - Net Operating Income (annual)\r\n * @param {number} downPercent - Down payment percentage\r\n * @param {Object} options - Configuration options (uses config constants as defaults)\r\n * @returns {number} COCR percentage\r\n /\r\nexport function calculateCOCRAtPercent(askingPrice, noi, downPercent, options = {}) {\r\n const {\r\n dscrRate = DEFAULT_TIER.rate,\r\n dscrTerm = DEFAULT_TIER.amortization,\r\n } = options;\r\n\r\n try {\r\n const downDecimal = downPercent / 100;\r\n const cashInvested = askingPrice downDecimal;\r\n \r\n // Fix financing structure: seller financing reduces available DSCR loan\r\n const dscrLoanAmount = askingPrice - cashInvested;\r\n \r\n const dscrPayment = calculatePMT(dscrLoanAmount, dscrRate, dscrTerm) * 12;\r\n \r\n const annualCashFlow = noi - dscrPayment;\r\n const cocr = (annualCashFlow / cashInvested) * 100;\r\n \r\n return cocr;\r\n } catch (error) {\r\n return 0;\r\n }\r\n}\r\n\r\n/*\r\n Calculate STR (short-term rental) NOI - the single source of STR NOI math.\r\n \r\n Resolution order:\r\n * 1. apiResult type 'noi' -> value is already net, return as-is\r\n * 2. apiResult type 'gross' -> apply NOI margin (value * noiPercentage)\r\n * 3. no/invalid apiResult -> estimate from price (price * grossRate * noiPercentage)\r\n \r\n apiResult comes from api.archerjessop.com/str-revenue: { value, type }.\r\n * Pass null while that backend is not live (the price estimate is used).\r\n \r\n @param {number} askingPrice - Property asking price\r\n * @param {{value:number, type:'noi'\|'gross'}\|null} apiResult - STR revenue API result\r\n * @param {Object} options - Rate overrides (default to STR config constants)\r\n * @returns {number} Annual NOI (0 on invalid input)\r\n /\r\nexport function calculateSTRNOI(askingPrice, apiResult = null, options = {}) {\r\n const {\r\n grossRate = PROPERTY_TYPE_CONSTANTS.STR.ESTIMATED_GROSS_RATE,\r\n noiPercentage = PROPERTY_TYPE_CONSTANTS.STR.NOI_PERCENTAGE\r\n } = options;\r\n\r\n try {\r\n if (apiResult && Number.isFinite(apiResult.value) && apiResult.value >= 0) {\r\n if (apiResult.type === \"noi\") return apiResult.value;\r\n if (apiResult.type === \"gross\") return apiResult.value noiPercentage;\r\n }\r\n\r\n if (!Number.isFinite(askingPrice) \|\| askingPrice <= 0) return 0;\r\n return askingPrice * grossRate * noiPercentage;\r\n } catch (error) {\r\n return 0;\r\n }\r\n}\r\n\r\n/*\r\n Calculate NOI based on property type\r\n * @param {number} askingPrice - Property asking price\r\n * @param {number} capRate - Cap rate as decimal (e.g., 0.08 for 8%)\r\n * @param {string} propertyType - Property type from PROPERTY_TYPES\r\n * @param {Object} options - Configuration options (uses config constants as defaults)\r\n * @returns {number} Calculated NOI\r\n /\r\nexport function calculateNOIByType(askingPrice, capRate, propertyType = PROPERTY_TYPES.MULTIFAMILY, options = {}) {\r\n const {\r\n strApiResult = null,\r\n strGrossIncomeMultiplier = PROPERTY_TYPE_CONSTANTS.STR.ESTIMATED_GROSS_RATE,\r\n strNoiPercentage = PROPERTY_TYPE_CONSTANTS.STR.NOI_PERCENTAGE,\r\n assistedIncomePerBedroom = PROPERTY_TYPE_CONSTANTS.ASSISTED_LIVING.INCOME_PER_BEDROOM_MONTHLY,\r\n bedroomCount = PROPERTY_TYPE_CONSTANTS.ASSISTED_LIVING.DEFAULT_BEDROOM_COUNT\r\n } = options;\r\n\r\n try {\r\n switch (propertyType.toLowerCase()) {\r\n case PROPERTY_TYPES.STR:\r\n return calculateSTRNOI(askingPrice, strApiResult, {\r\n grossRate: strGrossIncomeMultiplier,\r\n noiPercentage: strNoiPercentage\r\n });\r\n\r\n case PROPERTY_TYPES.ASSISTED_LIVING:\r\n return bedroomCount assistedIncomePerBedroom * 12;\r\n \r\n case PROPERTY_TYPES.MULTIFAMILY:\r\n default:\r\n return askingPrice * capRate;\r\n }\r\n } catch (error) {\r\n return 0;\r\n }\r\n}\r\n\r\n/*\r\n Resolve a listing's canonical NOI and the cap rates derived from it.\r\n \r\n NOI is the source of truth; each property type computes it by its own model\r\n * (delegated to calculateNOIByType, unchanged). The active (displayed) cap rate is\r\n * always derived as NOI / price. The reported cap rate is carried through as\r\n * provenance (shown on hover; null => the UI shows \"N/A\"); it only DRIVES the NOI for\r\n * multifamily, where the cap rate is the model input.\r\n \r\n NOI precedence: an analyst-confirmed NOI overrides the per-type model; otherwise STR\r\n * uses measured 3rd-party revenue when present and the price-based estimate otherwise;\r\n * assisted uses bedroom count; multifamily uses the reported cap (or estimatedCapRate\r\n * when none was reported).\r\n \r\n @param {Object} input\r\n * @param {number\|null} [input.bedroomCount] - Bedroom count for assisted living\r\n * @param {number\|null} [input.confirmedNOI] - Analyst-confirmed/edited NOI; overrides the per-type model\r\n * @param {number} [input.estimatedCapRate] - Fallback cap (decimal) used for multifamily NOI when none was reported\r\n * @param {number} input.price - Asking price\r\n * @param {string} [input.propertyType] - One of PROPERTY_TYPES\r\n * @param {number\|null} [input.reportedCapRate] - Real scraped/listed cap rate as a decimal (e.g. 0.0486); null when none was reported\r\n * @param {{value:number,type:'noi'\|'gross'}\|null} [input.strApiResult] - Measured STR revenue (3rd-party); null until that backend ships\r\n * @returns {{activeCapRate:(number\|null), noi:number, noiSource:string, reportedCapRate:(number\|null)}}\r\n /\r\nexport function resolveListingFinancials({\r\n bedroomCount = null,\r\n confirmedNOI = null,\r\n estimatedCapRate,\r\n price,\r\n propertyType = PROPERTY_TYPES.MULTIFAMILY,\r\n reportedCapRate = null,\r\n strApiResult = null,\r\n} = {}) {\r\n const hasReported = reportedCapRate != null && Number.isFinite(reportedCapRate);\r\n const capForNOI = hasReported ? reportedCapRate : estimatedCapRate;\r\n const measured = strApiResult && Number.isFinite(strApiResult.value) && strApiResult.value >= 0 &&\r\n (strApiResult.type === \"noi\" \|\| strApiResult.type === \"gross\");\r\n\r\n let noi;\r\n let noiSource;\r\n if (confirmedNOI != null && Number.isFinite(confirmedNOI) && confirmedNOI >= 0) {\r\n noi = confirmedNOI;\r\n noiSource = \"confirmed\";\r\n } else {\r\n noi = calculateNOIByType(price, capForNOI, propertyType, { bedroomCount, strApiResult });\r\n const type = (propertyType \|\| \"\").toLowerCase();\r\n if (type === PROPERTY_TYPES.STR) {\r\n noiSource = measured ? \"measured\" : \"estimate\";\r\n } else if (type === PROPERTY_TYPES.ASSISTED_LIVING) {\r\n noiSource = \"bedrooms\";\r\n } else {\r\n noiSource = hasReported ? \"cap\" : \"estimate\";\r\n }\r\n }\r\n\r\n if (!Number.isFinite(noi)) noi = 0;\r\n const activeCapRate = Number.isFinite(price) && price > 0 ? noi / price : null;\r\n\r\n return {\r\n activeCapRate,\r\n noi,\r\n noiSource,\r\n reportedCapRate: hasReported ? reportedCapRate : null,\r\n };\r\n}\r\n\r\n/\r\n Calculate assignment fee\r\n * @param {number} askingPrice - Property asking price\r\n * @param {number} assignmentPercent - Assignment fee percentage (uses config default)\r\n * @returns {number} Assignment fee amount\r\n /\r\nexport function calculateAssignmentFee(askingPrice, assignmentPercent = BUSINESS_CONSTANTS.ASSIGNMENT_FEE_PERCENTAGE 100) {\r\n try {\r\n return askingPrice * (assignmentPercent / 100);\r\n } catch (error) {\r\n return 0;\r\n }\r\n}\r\n\r\n/*\r\n Calculate net to buyer\r\n * @param {number} askingPrice - Property asking price\r\n * @param {Object} options - Configuration options (uses config constants as defaults)\r\n * @returns {number} Net to buyer amount\r\n /\r\nexport function calculateNetToBuyer(askingPrice, options = {}) {\r\n const {\r\n buyerCostPercent = BUSINESS_CONSTANTS.NET_TO_BUYER_PERCENTAGE 100,\r\n sellerCostAssignment = BUSINESS_CONSTANTS.ASSIGNMENT_FEE_PERCENTAGE * 100,\r\n sellerCostClosing = BUSINESS_CONSTANTS.CLOSING_COSTS_PERCENTAGE * 100,\r\n additionalCostRehab = BUSINESS_CONSTANTS.REHAB_RATE * 100,\r\n additionalCostFinancing = BUSINESS_CONSTANTS.HARD_MONEY_RATE * 100,\r\n dscrLtvPercent = FINANCIAL_CONSTANTS.DEFAULT_DSCR_PERCENTAGE * 100\r\n } = options;\r\n\r\n try {\r\n const dscrLoanAmount = askingPrice * (dscrLtvPercent / 100);\r\n \r\n return askingPrice * (buyerCostPercent / 100) - \r\n askingPrice * ((sellerCostAssignment + sellerCostClosing) / 100) - \r\n askingPrice * (additionalCostRehab / 100) - \r\n (additionalCostFinancing / 100) * (askingPrice - dscrLoanAmount);\r\n } catch (error) {\r\n return 0;\r\n }\r\n}\r\n\r\n/*\r\n Calculate remaining loan balance at end of balloon period\r\n * @param {number} loanAmount - Initial loan amount\r\n * @param {number} interestRate - Annual interest rate as decimal (e.g., 0.075 for 7.5%)\r\n * @param {number} amortizationYears - Full amortization period in years\r\n * @param {number} balloonYears - Balloon period in years\r\n * @returns {number} Remaining balance at end of balloon period\r\n /\r\nexport function calculateBalloonBalance(loanAmount, interestRate, amortizationYears, balloonYears = FINANCIAL_CONSTANTS.DEFAULT_BALLOON_PERIOD_YEARS) {\r\n try {\r\n if (loanAmount <= 0 \|\| interestRate < 0 \|\| amortizationYears <= 0 \|\| balloonYears <= 0) {\r\n return 0;\r\n }\r\n\r\n // If balloon period equals or exceeds amortization, loan is fully paid\r\n if (balloonYears >= amortizationYears) {\r\n return 0;\r\n }\r\n\r\n // Special handling for zero interest rate (simple linear paydown)\r\n if (interestRate === 0) {\r\n const totalPayments = amortizationYears 12;\r\n const paymentsMade = balloonYears * 12;\r\n return loanAmount * (totalPayments - paymentsMade) / totalPayments;\r\n }\r\n\r\n const monthlyRate = interestRate / 12;\r\n const totalPayments = amortizationYears * 12;\r\n const balloonPayments = balloonYears * 12;\r\n\r\n // Calculate remaining balance using loan balance formula\r\n // Balance = P * [(1 + r)^n - (1 + r)^p] / [(1 + r)^n - 1]\r\n // Where P = principal, r = monthly rate, n = total payments, p = payments made\r\n \r\n const factor1 = Math.pow(1 + monthlyRate, totalPayments);\r\n const factor2 = Math.pow(1 + monthlyRate, balloonPayments);\r\n \r\n const remainingBalance = loanAmount * (factor1 - factor2) / (factor1 - 1);\r\n \r\n return Math.max(0, remainingBalance); // Ensure non-negative\r\n } catch (error) {\r\n return 0;\r\n }\r\n}\r\n\r\n/*\r\n Calculate property value after appreciation period\r\n * @param {number} currentValue - Current property value\r\n * @param {number} appreciationRate - Annual appreciation rate as decimal\r\n * @param {number} years - Number of years\r\n * @returns {number} Appreciated property value\r\n /\r\nexport function calculateAppreciatedValue(currentValue, appreciationRate = FINANCIAL_CONSTANTS.APPRECIATION_RATE, years = FINANCIAL_CONSTANTS.DEFAULT_BALLOON_PERIOD_YEARS) {\r\n try {\r\n if (currentValue <= 0 \|\| appreciationRate < 0 \|\| years < 0) {\r\n return currentValue;\r\n }\r\n \r\n return currentValue Math.pow(1 + appreciationRate, years);\r\n } catch (error) {\r\n return currentValue;\r\n }\r\n}\r\n\r\n/*\r\n Calculate cash out amount after appreciation refinance\r\n * @param {number} originalPrice - Original purchase price\r\n * @param {number} dscrLoanAmount - Original DSCR loan amount \r\n * @param {number} sellerFiAmount - Original seller financing amount\r\n * @param {Object} options - Configuration options\r\n * @returns {number} Cash out amount (positive = cash out, negative = cash in)\r\n /\r\nexport function calculateCashOutAfterRefi(originalPrice, dscrLoanAmount, sellerFiAmount, options = {}) {\r\n const {\r\n appreciationRate = FINANCIAL_CONSTANTS.APPRECIATION_RATE,\r\n balloonYears = FINANCIAL_CONSTANTS.DEFAULT_BALLOON_PERIOD_YEARS,\r\n dscrRate = DEFAULT_TIER.rate,\r\n dscrTerm = DEFAULT_TIER.amortization,\r\n sellerFiTerm = FINANCIAL_CONSTANTS.SELLER_FI_AMORTIZATION,\r\n refiLtvPercent = 70 // 70% LTV on refi\r\n } = options;\r\n\r\n try {\r\n // Calculate appreciated property value\r\n const appreciatedValue = calculateAppreciatedValue(originalPrice, appreciationRate, balloonYears);\r\n \r\n // Calculate remaining balance on DSCR loan\r\n const dscrRemainingBalance = calculateBalloonBalance(dscrLoanAmount, dscrRate, dscrTerm, balloonYears);\r\n \r\n // Calculate remaining balance on seller financing (0% interest)\r\n const sellerFiRemainingBalance = calculateBalloonBalance(sellerFiAmount, FINANCIAL_CONSTANTS.SELLER_FI_INTEREST_RATE, sellerFiTerm, balloonYears);\r\n \r\n // Total remaining debt\r\n const totalRemainingDebt = dscrRemainingBalance + sellerFiRemainingBalance;\r\n \r\n // Calculate new loan amount at 70% LTV of appreciated value\r\n const newLoanAmount = appreciatedValue (refiLtvPercent / 100);\r\n \r\n // Cash out = new loan - total remaining debt\r\n const cashOut = newLoanAmount - totalRemainingDebt;\r\n \r\n return cashOut;\r\n } catch (error) {\r\n return 0;\r\n }\r\n}\r\n\r\n// Cash Flow calculation (matching loopnet-analyzer exactly)\r\nexport function calculateCashFlow(monthlyNOI, dscrPayment, sfPayment) {\r\n return monthlyNOI - (dscrPayment + sfPayment);\r\n}\r\n\r\n/*\r\n Calculate discount percentage from asking price and offered price\r\n * @param {number} askingPrice - Property asking price\r\n * @param {number} priceOffered - Offered price\r\n * @returns {number} Discount as decimal (positive = discount, negative = premium)\r\n /\r\nexport function calculateDiscountFromPrice(askingPrice, priceOffered) {\r\n if (!askingPrice \|\| askingPrice <= 0) return 0;\r\n \r\n return (askingPrice - priceOffered) / askingPrice;\r\n}\r\n\r\n/\r\n Calculate price from asking price and discount percentage\r\n * @param {number} askingPrice - Property asking price \r\n * @param {number} discountPercent - Discount as decimal (positive = discount, negative = premium)\r\n * @returns {number} Calculated price\r\n /\r\nexport function calculatePriceFromDiscount(askingPrice, discountPercent) {\r\n if (!askingPrice \|\| askingPrice <= 0) return 0;\r\n \r\n return askingPrice (1 - discountPercent);\r\n}\r\n\r\nexport function safePercentage(value, fallback = 100) {\r\n return (value != null && !isNaN(value)) ? 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1	+ {"version":3,"file":"calculations.js","sources":["../../src/financial/calculations.js"],"sourcesContent":["// src/financial/calculations.js\r\n\r\nimport { FINANCIAL_CONSTANTS } from '../config/financial.js';\r\nimport { BUSINESS_CONSTANTS } from '../config/business.js';\r\nimport { PROPERTY_TYPE_CONSTANTS, PROPERTY_TYPES } from '../config/property-types.js';\r\n\r\nconst DEFAULT_TIER = FINANCIAL_CONSTANTS.INTEREST_RATE_TIERS[FINANCIAL_CONSTANTS.DEFAULT_INTEREST_RATE_TYPE];\r\n\r\n\r\n/*\r\n PMT function for loan payment calculation\r\n * @param {number} principal - Loan principal amount \r\n * @param {number} annualRate - Annual interest rate (as decimal, e.g., 0.075 for 7.5%)\r\n * @param {number} years - Loan term in years\r\n * @returns {number} Monthly payment amount\r\n /\r\nexport function calculatePMT(principal, annualRate, years) {\r\n if (annualRate === 0) {\r\n return principal / (years 12);\r\n }\r\n \r\n const monthlyRate = annualRate / 12;\r\n const numPayments = years * 12;\r\n const pmt = principal * (monthlyRate * Math.pow(1 + monthlyRate, numPayments)) / \r\n (Math.pow(1 + monthlyRate, numPayments) - 1);\r\n return pmt;\r\n}\r\n\r\nexport function calculateCOCR30(askingPrice, noi) {\r\n try {\r\n const cashInvested = askingPrice * 0.30; // 30% down payment\r\n const dscrLoanAmount = askingPrice * 0.70; // Fixed 70% DSCR loan\r\n const dscrPayment = calculatePMT(dscrLoanAmount, 0.075, 30) * 12; // Annual DSCR payment\r\n const annualCashFlow = noi - dscrPayment;\r\n const cocr = (annualCashFlow / cashInvested) * 100;\r\n \r\n return cocr;\r\n } catch (error) {\r\n return 0;\r\n }\r\n}\r\n\r\nexport function calculateCashFlowYield(monthlyCashFlow, purchasePrice) {\r\n if (!purchasePrice \|\| purchasePrice <= 0) return 0;\r\n const annualCashFlow = monthlyCashFlow * 12;\r\n return (annualCashFlow / purchasePrice) * 100;\r\n}\r\n\r\n/*\r\n Equity as a decimal fraction of price, derived from outstanding debt.\r\n * equity = (price - debtBalance) / price. Recompute whenever the user edits price.\r\n * Falls back to 1 (100% equity) when debt is unavailable or price is non-positive,\r\n * matching the \"estimated = 100%\" rule when the debt service returns no number.\r\n * @param {number} price - Listing/asking/offered price.\r\n * @param {number} debtBalance - Outstanding mortgage balance owing.\r\n * @returns {number} Equity as a decimal (e.g. 0.59 for 59%); 1 when debt is unknown.\r\n /\r\nexport function equityPercentFromDebt(price, debtBalance) {\r\n const p = Number(price);\r\n const d = Number(debtBalance);\r\n if (!Number.isFinite(p) \|\| p <= 0) return 1;\r\n if (!Number.isFinite(d)) return 1;\r\n return (p - d) / p;\r\n}\r\n\r\n\r\n/\r\n Calculate the property price that yields a target COCR percentage\r\n * @param {number} noi - Net Operating Income (annual)\r\n * @param {number} targetCOCR - Target COCR as decimal (default: 0.15 for 15%)\r\n * @param {Object} options - Configuration options (uses config constants as defaults)\r\n * @returns {number} Calculated property price\r\n /\r\nexport function calculatePriceForCOCR(noi, targetCOCR = 0.15, options = {}) {\r\n const {\r\n downPercent = FINANCIAL_CONSTANTS.DEFAULT_DOWN_PAYMENT 100,\r\n dscrLtvPercent = FINANCIAL_CONSTANTS.DEFAULT_DSCR_PERCENTAGE * 100,\r\n dscrRate = DEFAULT_TIER.rate,\r\n dscrTerm = DEFAULT_TIER.amortization,\r\n maxIterations = BUSINESS_CONSTANTS.MAX_ITERATIONS,\r\n tolerance = BUSINESS_CONSTANTS.CALCULATION_TOLERANCE\r\n } = options;\r\n\r\n try {\r\n let targetPrice = noi / 0.08; // Initial estimate: NOI / 8% cap rate\r\n let iterations = 0;\r\n \r\n while (iterations < maxIterations) {\r\n const cashInvested = targetPrice * (downPercent / 100);\r\n const dscrLoanAmount = targetPrice * (dscrLtvPercent / 100);\r\n const dscrPayment = calculatePMT(dscrLoanAmount, dscrRate, dscrTerm) * 12;\r\n const annualCashFlow = noi - dscrPayment;\r\n const currentCOCR = annualCashFlow / cashInvested;\r\n \r\n if (Math.abs(currentCOCR - targetCOCR) < tolerance) {\r\n break;\r\n }\r\n \r\n const error = currentCOCR - targetCOCR;\r\n const adjustment = error * BUSINESS_CONSTANTS.ADJUSTMENT_FACTOR;\r\n \r\n if (error > 0) {\r\n targetPrice = targetPrice * (1 + Math.abs(adjustment));\r\n } else {\r\n targetPrice = targetPrice * (1 - Math.abs(adjustment));\r\n }\r\n \r\n // Reasonable bounds during iteration (prevent extreme values)\r\n if (targetPrice < 1000) targetPrice = 1000;\r\n if (targetPrice > noi * BUSINESS_CONSTANTS.MAX_COCR15_PRICE_MULTIPLIER) {\r\n targetPrice = noi * BUSINESS_CONSTANTS.CONSERVATIVE_COCR15_PRICE_MULTIPLIER;\r\n }\r\n \r\n iterations++;\r\n }\r\n \r\n // Apply final bounds check AFTER iteration\r\n if (targetPrice < BUSINESS_CONSTANTS.MINIMUM_COCR15_PRICE) {\r\n targetPrice = BUSINESS_CONSTANTS.MINIMUM_COCR15_PRICE;\r\n }\r\n \r\n return targetPrice;\r\n } catch (error) {\r\n return 0;\r\n }\r\n}\r\n\r\n/*\r\n Calculate COCR at a specific down payment percentage\r\n * @param {number} askingPrice - Property asking price\r\n * @param {number} noi - Net Operating Income (annual)\r\n * @param {number} downPercent - Down payment percentage\r\n * @param {Object} options - Configuration options (uses config constants as defaults)\r\n * @returns {number} COCR percentage\r\n /\r\nexport function calculateCOCRAtPercent(askingPrice, noi, downPercent, options = {}) {\r\n const {\r\n dscrRate = DEFAULT_TIER.rate,\r\n dscrTerm = DEFAULT_TIER.amortization,\r\n } = options;\r\n\r\n try {\r\n const downDecimal = downPercent / 100;\r\n const cashInvested = askingPrice downDecimal;\r\n \r\n // Fix financing structure: seller financing reduces available DSCR loan\r\n const dscrLoanAmount = askingPrice - cashInvested;\r\n \r\n const dscrPayment = calculatePMT(dscrLoanAmount, dscrRate, dscrTerm) * 12;\r\n \r\n const annualCashFlow = noi - dscrPayment;\r\n const cocr = (annualCashFlow / cashInvested) * 100;\r\n \r\n return cocr;\r\n } catch (error) {\r\n return 0;\r\n }\r\n}\r\n\r\n/*\r\n Calculate STR (short-term rental) NOI - the single source of STR NOI math.\r\n \r\n Resolution order:\r\n * 1. apiResult type 'noi' -> value is already net, return as-is\r\n * 2. apiResult type 'gross' -> apply NOI margin (value * noiPercentage)\r\n * 3. no/invalid apiResult -> estimate from price (price * grossRate * noiPercentage)\r\n \r\n apiResult comes from api.archerjessop.com/str-revenue: { value, type }.\r\n * Pass null while that backend is not live (the price estimate is used).\r\n \r\n @param {number} askingPrice - Property asking price\r\n * @param {{value:number, type:'noi'\|'gross'}\|null} apiResult - STR revenue API result\r\n * @param {Object} options - Rate overrides (default to STR config constants)\r\n * @returns {number} Annual NOI (0 on invalid input)\r\n /\r\nexport function calculateSTRNOI(askingPrice, apiResult = null, options = {}) {\r\n const {\r\n grossRate = PROPERTY_TYPE_CONSTANTS.STR.ESTIMATED_GROSS_RATE,\r\n noiPercentage = PROPERTY_TYPE_CONSTANTS.STR.NOI_PERCENTAGE\r\n } = options;\r\n\r\n try {\r\n if (apiResult && Number.isFinite(apiResult.value) && apiResult.value >= 0) {\r\n if (apiResult.type === \"noi\") return apiResult.value;\r\n if (apiResult.type === \"gross\") return apiResult.value noiPercentage;\r\n }\r\n\r\n if (!Number.isFinite(askingPrice) \|\| askingPrice <= 0) return 0;\r\n return askingPrice * grossRate * noiPercentage;\r\n } catch (error) {\r\n return 0;\r\n }\r\n}\r\n\r\n/*\r\n Calculate NOI based on property type\r\n * @param {number} askingPrice - Property asking price\r\n * @param {number} capRate - Cap rate as decimal (e.g., 0.08 for 8%)\r\n * @param {string} propertyType - Property type from PROPERTY_TYPES\r\n * @param {Object} options - Configuration options (uses config constants as defaults)\r\n * @returns {number} Calculated NOI\r\n /\r\nexport function calculateNOIByType(askingPrice, capRate, propertyType = PROPERTY_TYPES.MULTIFAMILY, options = {}) {\r\n const {\r\n strApiResult = null,\r\n strGrossIncomeMultiplier = PROPERTY_TYPE_CONSTANTS.STR.ESTIMATED_GROSS_RATE,\r\n strNoiPercentage = PROPERTY_TYPE_CONSTANTS.STR.NOI_PERCENTAGE,\r\n assistedIncomePerBedroom = PROPERTY_TYPE_CONSTANTS.ASSISTED_LIVING.INCOME_PER_BEDROOM_MONTHLY,\r\n bedroomCount = PROPERTY_TYPE_CONSTANTS.ASSISTED_LIVING.DEFAULT_BEDROOM_COUNT\r\n } = options;\r\n\r\n try {\r\n switch ((propertyType \|\| PROPERTY_TYPES.MULTIFAMILY).toLowerCase()) {\r\n case PROPERTY_TYPES.STR:\r\n return calculateSTRNOI(askingPrice, strApiResult, {\r\n grossRate: strGrossIncomeMultiplier,\r\n noiPercentage: strNoiPercentage\r\n });\r\n\r\n case PROPERTY_TYPES.ASSISTED_LIVING:\r\n return bedroomCount assistedIncomePerBedroom * 12;\r\n \r\n case PROPERTY_TYPES.MULTIFAMILY:\r\n default:\r\n return askingPrice * capRate;\r\n }\r\n } catch (error) {\r\n return 0;\r\n }\r\n}\r\n\r\n/*\r\n Resolve a listing's canonical NOI and the cap rates derived from it.\r\n \r\n NOI is the source of truth; each property type computes it by its own model\r\n * (delegated to calculateNOIByType, unchanged). The active (displayed) cap rate is\r\n * always derived as NOI / price. The reported cap rate is carried through as\r\n * provenance (shown on hover; null => the UI shows \"N/A\"); it only DRIVES the NOI for\r\n * multifamily, where the cap rate is the model input.\r\n \r\n NOI precedence: an analyst-confirmed NOI overrides the per-type model; otherwise STR\r\n * uses measured 3rd-party revenue when present and the price-based estimate otherwise;\r\n * assisted uses bedroom count; multifamily uses the reported cap (or estimatedCapRate\r\n * when none was reported).\r\n \r\n @param {Object} input\r\n * @param {number\|null} [input.bedroomCount] - Bedroom count for assisted living\r\n * @param {number\|null} [input.confirmedNOI] - Analyst-confirmed/edited NOI; overrides the per-type model\r\n * @param {number} [input.estimatedCapRate] - Fallback cap (decimal) used for multifamily NOI when none was reported\r\n * @param {number} input.price - Asking price\r\n * @param {string} [input.propertyType] - One of PROPERTY_TYPES\r\n * @param {number\|null} [input.reportedCapRate] - Real scraped/listed cap rate as a decimal (e.g. 0.0486); null when none was reported\r\n * @param {{value:number,type:'noi'\|'gross'}\|null} [input.strApiResult] - Measured STR revenue (3rd-party); null until that backend ships\r\n * @returns {{activeCapRate:(number\|null), noi:number, noiSource:string, reportedCapRate:(number\|null)}}\r\n /\r\nexport function resolveListingFinancials({\r\n bedroomCount = null,\r\n confirmedNOI = null,\r\n estimatedCapRate,\r\n price,\r\n propertyType = PROPERTY_TYPES.MULTIFAMILY,\r\n reportedCapRate = null,\r\n strApiResult = null,\r\n} = {}) {\r\n const hasReported = reportedCapRate != null && Number.isFinite(reportedCapRate);\r\n const capForNOI = hasReported ? reportedCapRate : estimatedCapRate;\r\n const measured = strApiResult && Number.isFinite(strApiResult.value) && strApiResult.value >= 0 &&\r\n (strApiResult.type === \"noi\" \|\| strApiResult.type === \"gross\");\r\n\r\n let noi;\r\n let noiSource;\r\n if (confirmedNOI != null && Number.isFinite(confirmedNOI) && confirmedNOI >= 0) {\r\n noi = confirmedNOI;\r\n noiSource = \"confirmed\";\r\n } else {\r\n noi = calculateNOIByType(price, capForNOI, propertyType, { bedroomCount, strApiResult });\r\n const type = (propertyType \|\| \"\").toLowerCase();\r\n if (type === PROPERTY_TYPES.STR) {\r\n noiSource = measured ? \"measured\" : \"estimate\";\r\n } else if (type === PROPERTY_TYPES.ASSISTED_LIVING) {\r\n noiSource = \"bedrooms\";\r\n } else {\r\n noiSource = hasReported ? \"cap\" : \"estimate\";\r\n }\r\n }\r\n\r\n if (!Number.isFinite(noi)) noi = 0;\r\n const activeCapRate = Number.isFinite(price) && price > 0 ? noi / price : null;\r\n\r\n return {\r\n activeCapRate,\r\n noi,\r\n noiSource,\r\n reportedCapRate: hasReported ? reportedCapRate : null,\r\n };\r\n}\r\n\r\n/\r\n Calculate assignment fee\r\n * @param {number} askingPrice - Property asking price\r\n * @param {number} assignmentPercent - Assignment fee percentage (uses config default)\r\n * @returns {number} Assignment fee amount\r\n /\r\nexport function calculateAssignmentFee(askingPrice, assignmentPercent = BUSINESS_CONSTANTS.ASSIGNMENT_FEE_PERCENTAGE 100) {\r\n try {\r\n return askingPrice * (assignmentPercent / 100);\r\n } catch (error) {\r\n return 0;\r\n }\r\n}\r\n\r\n/*\r\n Calculate net to buyer\r\n * @param {number} askingPrice - Property asking price\r\n * @param {Object} options - Configuration options (uses config constants as defaults)\r\n * @returns {number} Net to buyer amount\r\n /\r\nexport function calculateNetToBuyer(askingPrice, options = {}) {\r\n const {\r\n buyerCostPercent = BUSINESS_CONSTANTS.NET_TO_BUYER_PERCENTAGE 100,\r\n sellerCostAssignment = BUSINESS_CONSTANTS.ASSIGNMENT_FEE_PERCENTAGE * 100,\r\n sellerCostClosing = BUSINESS_CONSTANTS.CLOSING_COSTS_PERCENTAGE * 100,\r\n additionalCostRehab = BUSINESS_CONSTANTS.REHAB_RATE * 100,\r\n additionalCostFinancing = BUSINESS_CONSTANTS.HARD_MONEY_RATE * 100,\r\n dscrLtvPercent = FINANCIAL_CONSTANTS.DEFAULT_DSCR_PERCENTAGE * 100\r\n } = options;\r\n\r\n try {\r\n const dscrLoanAmount = askingPrice * (dscrLtvPercent / 100);\r\n \r\n return askingPrice * (buyerCostPercent / 100) - \r\n askingPrice * ((sellerCostAssignment + sellerCostClosing) / 100) - \r\n askingPrice * (additionalCostRehab / 100) - \r\n (additionalCostFinancing / 100) * (askingPrice - dscrLoanAmount);\r\n } catch (error) {\r\n return 0;\r\n }\r\n}\r\n\r\n/*\r\n Calculate remaining loan balance at end of balloon period\r\n * @param {number} loanAmount - Initial loan amount\r\n * @param {number} interestRate - Annual interest rate as decimal (e.g., 0.075 for 7.5%)\r\n * @param {number} amortizationYears - Full amortization period in years\r\n * @param {number} balloonYears - Balloon period in years\r\n * @returns {number} Remaining balance at end of balloon period\r\n /\r\nexport function calculateBalloonBalance(loanAmount, interestRate, amortizationYears, balloonYears = FINANCIAL_CONSTANTS.DEFAULT_BALLOON_PERIOD_YEARS) {\r\n try {\r\n if (loanAmount <= 0 \|\| interestRate < 0 \|\| amortizationYears <= 0 \|\| balloonYears <= 0) {\r\n return 0;\r\n }\r\n\r\n // If balloon period equals or exceeds amortization, loan is fully paid\r\n if (balloonYears >= amortizationYears) {\r\n return 0;\r\n }\r\n\r\n // Special handling for zero interest rate (simple linear paydown)\r\n if (interestRate === 0) {\r\n const totalPayments = amortizationYears 12;\r\n const paymentsMade = balloonYears * 12;\r\n return loanAmount * (totalPayments - paymentsMade) / totalPayments;\r\n }\r\n\r\n const monthlyRate = interestRate / 12;\r\n const totalPayments = amortizationYears * 12;\r\n const balloonPayments = balloonYears * 12;\r\n\r\n // Calculate remaining balance using loan balance formula\r\n // Balance = P * [(1 + r)^n - (1 + r)^p] / [(1 + r)^n - 1]\r\n // Where P = principal, r = monthly rate, n = total payments, p = payments made\r\n \r\n const factor1 = Math.pow(1 + monthlyRate, totalPayments);\r\n const factor2 = Math.pow(1 + monthlyRate, balloonPayments);\r\n \r\n const remainingBalance = loanAmount * (factor1 - factor2) / (factor1 - 1);\r\n \r\n return Math.max(0, remainingBalance); // Ensure non-negative\r\n } catch (error) {\r\n return 0;\r\n }\r\n}\r\n\r\n/*\r\n Calculate property value after appreciation period\r\n * @param {number} currentValue - Current property value\r\n * @param {number} appreciationRate - Annual appreciation rate as decimal\r\n * @param {number} years - Number of years\r\n * @returns {number} Appreciated property value\r\n /\r\nexport function calculateAppreciatedValue(currentValue, appreciationRate = FINANCIAL_CONSTANTS.APPRECIATION_RATE, years = FINANCIAL_CONSTANTS.DEFAULT_BALLOON_PERIOD_YEARS) {\r\n try {\r\n if (currentValue <= 0 \|\| appreciationRate < 0 \|\| years < 0) {\r\n return currentValue;\r\n }\r\n \r\n return currentValue Math.pow(1 + appreciationRate, years);\r\n } catch (error) {\r\n return currentValue;\r\n }\r\n}\r\n\r\n/*\r\n Calculate cash out amount after appreciation refinance\r\n * @param {number} originalPrice - Original purchase price\r\n * @param {number} dscrLoanAmount - Original DSCR loan amount \r\n * @param {number} sellerFiAmount - Original seller financing amount\r\n * @param {Object} options - Configuration options\r\n * @returns {number} Cash out amount (positive = cash out, negative = cash in)\r\n /\r\nexport function calculateCashOutAfterRefi(originalPrice, dscrLoanAmount, sellerFiAmount, options = {}) {\r\n const {\r\n appreciationRate = FINANCIAL_CONSTANTS.APPRECIATION_RATE,\r\n balloonYears = FINANCIAL_CONSTANTS.DEFAULT_BALLOON_PERIOD_YEARS,\r\n dscrRate = DEFAULT_TIER.rate,\r\n dscrTerm = DEFAULT_TIER.amortization,\r\n sellerFiTerm = FINANCIAL_CONSTANTS.SELLER_FI_AMORTIZATION,\r\n refiLtvPercent = 70 // 70% LTV on refi\r\n } = options;\r\n\r\n try {\r\n // Calculate appreciated property value\r\n const appreciatedValue = calculateAppreciatedValue(originalPrice, appreciationRate, balloonYears);\r\n \r\n // Calculate remaining balance on DSCR loan\r\n const dscrRemainingBalance = calculateBalloonBalance(dscrLoanAmount, dscrRate, dscrTerm, balloonYears);\r\n \r\n // Calculate remaining balance on seller financing (0% interest)\r\n const sellerFiRemainingBalance = calculateBalloonBalance(sellerFiAmount, FINANCIAL_CONSTANTS.SELLER_FI_INTEREST_RATE, sellerFiTerm, balloonYears);\r\n \r\n // Total remaining debt\r\n const totalRemainingDebt = dscrRemainingBalance + sellerFiRemainingBalance;\r\n \r\n // Calculate new loan amount at 70% LTV of appreciated value\r\n const newLoanAmount = appreciatedValue (refiLtvPercent / 100);\r\n \r\n // Cash out = new loan - total remaining debt\r\n const cashOut = newLoanAmount - totalRemainingDebt;\r\n \r\n return cashOut;\r\n } catch (error) {\r\n return 0;\r\n }\r\n}\r\n\r\n// Cash Flow calculation (matching loopnet-analyzer exactly)\r\nexport function calculateCashFlow(monthlyNOI, dscrPayment, sfPayment) {\r\n return monthlyNOI - (dscrPayment + sfPayment);\r\n}\r\n\r\n/*\r\n Calculate discount percentage from asking price and offered price\r\n * @param {number} askingPrice - Property asking price\r\n * @param {number} priceOffered - Offered price\r\n * @returns {number} Discount as decimal (positive = discount, negative = premium)\r\n /\r\nexport function calculateDiscountFromPrice(askingPrice, priceOffered) {\r\n if (!askingPrice \|\| askingPrice <= 0) return 0;\r\n \r\n return (askingPrice - priceOffered) / askingPrice;\r\n}\r\n\r\n/\r\n Calculate price from asking price and discount percentage\r\n * @param {number} askingPrice - Property asking price \r\n * @param {number} discountPercent - Discount as decimal (positive = discount, negative = premium)\r\n * @returns {number} Calculated price\r\n /\r\nexport function calculatePriceFromDiscount(askingPrice, discountPercent) {\r\n if (!askingPrice \|\| askingPrice <= 0) return 0;\r\n \r\n return askingPrice (1 - discountPercent);\r\n}\r\n\r\nexport function safePercentage(value, fallback = 100) {\r\n return (value != null && !isNaN(value)) ? (value * 100) : fallback;\r\n}"],"names":["DEFAULT_TIER","FINANCIAL_CONSTANTS","INTEREST_RATE_TIERS","DEFAULT_INTEREST_RATE_TYPE","calculatePMT","principal","annualRate","years","monthlyRate","numPayments","Math","pow","calculateCOCR30","askingPrice","noi","cashInvested","dscrPayment","error","calculateCashFlowYield","monthlyCashFlow","purchasePrice","equityPercentFromDebt","price","debtBalance","p","Number","d","isFinite","calculatePriceForCOCR","targetCOCR","options","downPercent","DEFAULT_DOWN_PAYMENT","dscrLtvPercent","DEFAULT_DSCR_PERCENTAGE","dscrRate","rate","dscrTerm","amortization","maxIterations","BUSINESS_CONSTANTS","MAX_ITERATIONS","tolerance","CALCULATION_TOLERANCE","targetPrice","iterations","currentCOCR","abs","adjustment","ADJUSTMENT_FACTOR","MAX_COCR15_PRICE_MULTIPLIER","CONSERVATIVE_COCR15_PRICE_MULTIPLIER","MINIMUM_COCR15_PRICE","calculateCOCRAtPercent","calculateSTRNOI","apiResult","grossRate","PROPERTY_TYPE_CONSTANTS","STR","ESTIMATED_GROSS_RATE","noiPercentage","NOI_PERCENTAGE","value","type","calculateNOIByType","capRate","propertyType","PROPERTY_TYPES","MULTIFAMILY","strApiResult","strGrossIncomeMultiplier","strNoiPercentage","assistedIncomePerBedroom","ASSISTED_LIVING","INCOME_PER_BEDROOM_MONTHLY","bedroomCount","DEFAULT_BEDROOM_COUNT","toLowerCase","resolveListingFinancials","confirmedNOI","estimatedCapRate","reportedCapRate","hasReported","capForNOI","measured","noiSource","activeCapRate","calculateAssignmentFee","assignmentPercent","ASSIGNMENT_FEE_PERCENTAGE","calculateNetToBuyer","buyerCostPercent","NET_TO_BUYER_PERCENTAGE","sellerCostAssignment","sellerCostClosing","CLOSING_COSTS_PERCENTAGE","additionalCostRehab","REHAB_RATE","additionalCostFinancing","HARD_MONEY_RATE","calculateBalloonBalance","loanAmount","interestRate","amortizationYears","balloonYears","DEFAULT_BALLOON_PERIOD_YEARS","totalPayments","balloonPayments","factor1","remainingBalance","max","calculateAppreciatedValue","currentValue","appreciationRate","APPRECIATION_RATE","calculateCashOutAfterRefi","originalPrice","dscrLoanAmount","sellerFiAmount","sellerFiTerm","SELLER_FI_AMORTIZATION","refiLtvPercent","appreciatedValue","dscrRemainingBalance","sellerFiRemainingBalance","SELLER_FI_INTEREST_RATE","calculateCashFlow","monthlyNOI","sfPayment","calculateDiscountFromPrice","priceOffered","calculatePriceFromDiscount","discountPercent","safePercentage","fallback","isNaN"],"mappings":"kNAMA,MAAMA,EAAeC,EAAoBC,oBAAoBD,EAAoBE,4BAU1E,SAASC,aAAaC,EAAWC,EAAYC,GAClD,GAAmB,IAAfD,EACF,OAAOD,GAAqB,GAARE,GAGtB,MAAMC,EAAcF,EAAa,GAC3BG,EAAsB,GAARF,EAGpB,OAFYF,GAAaG,EAAcE,KAAKC,IAAI,EAAIH,EAAaC,KACpDC,KAAKC,IAAI,EAAIH,EAAaC,GAAe,EAExD,CAEO,SAASG,gBAAgBC,EAAaC,GAC3C,IACE,MAAMC,EAA6B,GAAdF,EAEfG,EAAwD,GAA1CZ,aADiB,GAAdS,EAC0B,KAAO,IAIxD,OAHuBC,EAAME,GACED,EAAgB,GAGjD,CAAE,MAAOE,GACP,OAAO,CACT,CACF,CAEO,SAASC,uBAAuBC,EAAiBC,GACtD,IAAKA,GAAiBA,GAAiB,EAAG,OAAO,EAEjD,OADyC,GAAlBD,EACEC,EAAiB,GAC5C,CAWO,SAASC,sBAAsBC,EAAOC,GAC3C,MAAMC,EAAIC,OAAOH,GACXI,EAAID,OAAOF,GACjB,OAAKE,OAAOE,SAASH,IAAMA,GAAK,EAAU,EACrCC,OAAOE,SAASD,IACbF,EAAIE,GAAKF,EADe,CAElC,CAUO,SAASI,sBAAsBd,EAAKe,EAAa,IAAMC,EAAU,CAAA,GACtE,MAAMC,YACJA,EAAyD,IAA3C9B,EAAoB+B,qBAA0BC,eAC5DA,EAA+D,IAA9ChC,EAAoBiC,wBAA6BC,SAClEA,EAAWnC,EAAaoC,KAAIC,SAC5BA,EAAWrC,EAAasC,aAAYC,cACpCA,EAAgBC,EAAmBC,eAAcC,UACjDA,EAAYF,EAAmBG,uBAC7Bb,EAEJ,IACE,IAAIc,EAAc9B,EAAM,IACpB+B,EAAa,EAEjB,KAAOA,EAAaN,GAAe,CACjC,MAAMxB,EAAe6B,GAAeb,EAAc,KAE5Cf,EAAiE,GAAnDZ,aADGwC,GAAeX,EAAiB,KACNE,EAAUE,GAErDS,GADiBhC,EAAME,GACQD,EAErC,GAAIL,KAAKqC,IAAID,EAAcjB,GAAca,EACvC,MAGF,MAAMzB,EAAQ6B,EAAcjB,EACtBmB,EAAa/B,EAAQuB,EAAmBS,kBAG5CL,GADE3B,EAAQ,EACmB,EAAIP,KAAKqC,IAAIC,GAEb,EAAItC,KAAKqC,IAAIC,GAIxCJ,EAAc,MAAMA,EAAc,KAClCA,EAAc9B,EAAM0B,EAAmBU,8BACzCN,EAAc9B,EAAM0B,EAAmBW,sCAGzCN,GACF,CAOA,OAJID,EAAcJ,EAAmBY,uBACnCR,EAAcJ,EAAmBY,sBAG5BR,CACT,CAAE,MAAO3B,GACP,OAAO,CACT,CACF,CAUO,SAASoC,uBAAuBxC,EAAaC,EAAKiB,EAAaD,EAAU,CAAA,GAC9E,MAAMK,SACJA,EAAWnC,EAAaoC,KAAIC,SAC5BA,EAAWrC,EAAasC,cACtBR,EAEJ,IACE,MACMf,EAAeF,GADDkB,EAAc,KAM5Bf,EAAiE,GAAnDZ,aAFGS,EAAcE,EAEYoB,EAAUE,GAK3D,OAHuBvB,EAAME,GACED,EAAgB,GAGjD,CAAE,MAAOE,GACP,OAAO,CACT,CACF,CAkBO,SAASqC,gBAAgBzC,EAAa0C,EAAY,KAAMzB,EAAU,CAAA,GACvE,MAAM0B,UACJA,EAAYC,EAAwBC,IAAIC,qBAAoBC,cAC5DA,EAAgBH,EAAwBC,IAAIG,gBAC1C/B,EAEJ,IACE,GAAIyB,GAAa9B,OAAOE,SAAS4B,EAAUO,QAAUP,EAAUO,OAAS,EAAG,CACzE,GAAuB,QAAnBP,EAAUQ,KAAgB,OAAOR,EAAUO,MAC/C,GAAuB,UAAnBP,EAAUQ,KAAkB,OAAOR,EAAUO,MAAQF,CAC3D,CAEA,OAAKnC,OAAOE,SAASd,IAAgBA,GAAe,EAAU,EACvDA,EAAc2C,EAAYI,CACnC,CAAE,MAAO3C,GACP,OAAO,CACT,CACF,CAUO,SAAS+C,mBAAmBnD,EAAaoD,EAASC,EAAeC,EAAeC,YAAatC,EAAU,IAC5G,MAAMuC,aACJA,EAAe,KAAIC,yBACnBA,EAA2Bb,EAAwBC,IAAIC,qBAAoBY,iBAC3EA,EAAmBd,EAAwBC,IAAIG,eAAcW,yBAC7DA,EAA2Bf,EAAwBgB,gBAAgBC,2BAA0BC,aAC7FA,EAAelB,EAAwBgB,gBAAgBG,uBACrD9C,EAEJ,IACE,QAASoC,GAAgBC,EAAeC,aAAaS,eACnD,KAAKV,EAAeT,IAClB,OAAOJ,gBAAgBzC,EAAawD,EAAc,CAChDb,UAAWc,EACXV,cAAeW,IAGnB,KAAKJ,EAAeM,gBAClB,OAAOE,EAAeH,EAA2B,GAEnD,KAAKL,EAAeC,YACpB,QACE,OAAOvD,EAAcoD,EAE3B,CAAE,MAAOhD,GACP,OAAO,CACT,CACF,CA0BO,SAAS6D,0BAAyBH,aACvCA,EAAe,KAAII,aACnBA,E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package/dist/financial/equity-carry.js CHANGED Viewed

@@ -1,2 +1,2 @@
-import{INTEREST_RATE_TIERS as e,DEFAULT_CAP_RATE as r,determineInterestRateType as n,SELLER_FI_AMORTIZATION as t,SELLER_FI_INTEREST_RATE as c}from"../config/financial.js";import{resolveListingFinancials as i,calculatePriceForCOCR as o,calculateCOCRAtPercent as l,calculateAssignmentFee as s,calculatePMT as u}from"./calculations.js";const a=[{downPercent:60,dscrPercent:70,sellerPercent:40},{downPercent:50,dscrPercent:60,sellerPercent:50},{downPercent:40,dscrPercent:50,sellerPercent:60},{downPercent:30,dscrPercent:40,sellerPercent:70},{downPercent:20,dscrPercent:30,sellerPercent:80}],d=a[a.length-1];function tierAnnualDebtService(e,r,n,i){return 12*u(r*(e.dscrPercent/100),n,i)+12*u(r*(e.sellerPercent/100),c,t)}function sweepTiers(e,r,n,t,c){for(const i of a){const o=e-tierAnnualDebtService(i,r,n,t),l=i.downPercent/100*r;if(o>0&&l>=c)return{cashFlow:o,tier:i}}return null}function calculateEquityCarryScore({bedroomCount:t=null,capRate:c,price:u,propertyType:a="mfr",units:p=null}={}){const m=Number(u);if(!Number.isFinite(m)||m<=0)return null;const P=null==c||""===c?NaN:Number(c),f=Number.isFinite(P)&&P>0?P/100:null,w=Number(p),b=n(a,Number.isFinite(w)?w:void 0),{amortization:y,rate:N}=e[b],{noi:_}=i({bedroomCount:t,estimatedCapRate:r,price:m,propertyType:a,reportedCapRate:f});let F,T,h=sweepTiers(_,m,N,y,0);if(h)F="prospect",T=m;else{const e=.85*m;h=sweepTiers(_,e,N,y,0),h?(F="discount",T=e):(F="dead",T=m)}const C=_-tierAnnualDebtService(d,T,N,y),R=T>0?C/T:0;let S;S="dead"===F?"none":R>.08?"high":R>=.04?"medium":"low";let g=null,v=null,q=null;if(_>0){const e=o(_,.15,{dscrRate:N,dscrTerm:y});Number.isFinite(e)&&e>0&&(g=e,v=(e-m)/m);const r=l(m,_,30,{dscrRate:N,dscrTerm:y});Number.isFinite(r)&&(q=r)}return{assignment:s(T),cap_source:null===f?"estimate":"reported",cash_flow:h?h.cashFlow:null,cocr15_discount:v,cocr15_price:g,cocr30:q,deal_pool:F,downpayment_percent:h?h.tier.downPercent:-1,equity_tier:h?{...h.tier}:null,offer_price:T,raw_yield:R,yield_band:S}}export{a as EQUITY_CARRY_TIERS,calculateEquityCarryScore};
+import{INTEREST_RATE_TIERS as e,DEFAULT_CAP_RATE as r,determineInterestRateType as n,SELLER_FI_AMORTIZATION as t,SELLER_FI_INTEREST_RATE as c}from"../config/financial.js";import{resolveListingFinancials as i,calculatePriceForCOCR as o,calculateCOCRAtPercent as l,calculateAssignmentFee as s,calculatePMT as u}from"./calculations.js";const a=[{downPercent:60,dscrPercent:70,sellerPercent:40},{downPercent:50,dscrPercent:60,sellerPercent:50},{downPercent:40,dscrPercent:50,sellerPercent:60},{downPercent:30,dscrPercent:40,sellerPercent:70},{downPercent:20,dscrPercent:30,sellerPercent:80}],d=a[a.length-1];function tierAnnualDebtService(e,r,n,i){return 12*u(r*(e.dscrPercent/100),n,i)+12*u(r*(e.sellerPercent/100),c,t)}function sweepTiers(e,r,n,t,c){for(const i of a){const o=e-tierAnnualDebtService(i,r,n,t),l=i.downPercent/100*r;if(o>0&&l>=c)return{cashFlow:o,tier:i}}return null}function calculateEquityCarryScore({bedroomCount:t=null,capRate:c,price:u,propertyType:a="mfr",units:p=null}={}){const m=Number(u);if(!Number.isFinite(m)||m<=0)return null;const P=null==c||""===c?NaN:Number(c),f=Number.isFinite(P)&&P>0?P/100:null,w=Number(p),b=a||"mfr",y=n(b,Number.isFinite(w)?w:void 0),{amortization:N,rate:_}=e[y],{noi:F}=i({bedroomCount:t,estimatedCapRate:r,price:m,propertyType:b,reportedCapRate:f});let T,h,C=sweepTiers(F,m,_,N,0);if(C)T="prospect",h=m;else{const e=.85*m;C=sweepTiers(F,e,_,N,0),C?(T="discount",h=e):(T="dead",h=m)}const R=F-tierAnnualDebtService(d,h,_,N),S=h>0?R/h:0;let g;g="dead"===T?"none":S>.08?"high":S>=.04?"medium":"low";let v=null,q=null,A=null;if(F>0){const e=o(F,.15,{dscrRate:_,dscrTerm:N});Number.isFinite(e)&&e>0&&(v=e,q=(e-m)/m);const r=l(m,F,30,{dscrRate:_,dscrTerm:N});Number.isFinite(r)&&(A=r)}return{assignment:s(h),cap_source:null===f?"estimate":"reported",cash_flow:C?C.cashFlow:null,cocr15_discount:q,cocr15_price:v,cocr30:A,deal_pool:T,downpayment_percent:C?C.tier.downPercent:-1,equity_tier:C?{...C.tier}:null,offer_price:h,raw_yield:S,yield_band:g}}export{a as EQUITY_CARRY_TIERS,calculateEquityCarryScore};
 //# sourceMappingURL=equity-carry.js.map

package/dist/financial/equity-carry.js.map CHANGED Viewed

	@@ -1 +1 @@
1	- {"version":3,"file":"equity-carry.js","sources":["../../src/financial/equity-carry.js"],"sourcesContent":["// src/financial/equity-carry.js\n\nimport { DEFAULT_CAP_RATE, INTEREST_RATE_TIERS, SELLER_FI_AMORTIZATION, SELLER_FI_INTEREST_RATE, determineInterestRateType } from \"../config/financial.js\";\nimport { calculateAssignmentFee, calculateCOCRAtPercent, calculatePMT, calculatePriceForCOCR, resolveListingFinancials } from \"./calculations.js\";\n\n/*\n Equity Carry financing tiers (constant 110% leverage: DSCR % + seller carry % = 110).\n * Ordered highest down-payment first so a sweep stops at the strongest qualifying tier:\n * cash flow falls as the down payment rises (more of the stack moves to the market-rate\n * DSCR leg and off the 0% seller note), so the first tier that clears in a 60->20 sweep is\n * the highest down payment that still cash-flows.\n /\nexport const EQUITY_CARRY_TIERS = [\n { downPercent: 60, dscrPercent: 70, sellerPercent: 40 },\n { downPercent: 50, dscrPercent: 60, sellerPercent: 50 },\n { downPercent: 40, dscrPercent: 50, sellerPercent: 60 },\n { downPercent: 30, dscrPercent: 40, sellerPercent: 70 },\n { downPercent: 20, dscrPercent: 30, sellerPercent: 80 },\n];\n\nconst DISCOUNT_BASIS = 0.85;\nconst FIXED_YIELD_TIER = EQUITY_CARRY_TIERS[EQUITY_CARRY_TIERS.length - 1]; // 20% down\nconst YIELD_BAND_HIGH = 0.08;\nconst YIELD_BAND_MEDIUM = 0.04;\n\n/\n Annual debt service for one tier at a given price basis, from the suite primitives.\n * DSCR leg amortizes at the property's market rate/term; the seller carry leg is 0% / 30yr.\n * @param {{dscrPercent:number, sellerPercent:number}} tier\n * @param {number} basis - Price the financing is sized against (asking or discounted)\n * @param {number} dscrRate - DSCR annual interest rate (decimal)\n * @param {number} dscrAmortization - DSCR amortization (years)\n * @returns {number} Combined annual debt service (DSCR + seller carry)\n /\nfunction tierAnnualDebtService(tier, basis, dscrRate, dscrAmortization) {\n const dscrAnnual = calculatePMT(basis (tier.dscrPercent / 100), dscrRate, dscrAmortization) * 12;\n const sellerAnnual = calculatePMT(basis * (tier.sellerPercent / 100), SELLER_FI_INTEREST_RATE, SELLER_FI_AMORTIZATION) * 12;\n return dscrAnnual + sellerAnnual;\n}\n\n/*\n Sweep the tiers (60 -> 20) at one price basis; return the first (highest down payment)\n * tier whose annual cash flow is positive AND whose down payment covers any known debt.\n * @returns {{tier:object, cashFlow:number}\|null} Winning tier + its annual cash flow, or null\n /\nfunction sweepTiers(noi, basis, dscrRate, dscrAmortization, estimatedDebt) {\n for (const tier of EQUITY_CARRY_TIERS) {\n const cashFlow = noi - tierAnnualDebtService(tier, basis, dscrRate, dscrAmortization);\n const downPayment = (tier.downPercent / 100) basis;\n if (cashFlow > 0 && downPayment >= estimatedDebt) {\n return { cashFlow, tier };\n }\n }\n return null;\n}\n\n/*\n Score a scraped listing with the Equity Carry Method and route it to a deal pool.\n \n Pure, no IO. Accepts inputs in the raw shape Postgres returns: `price` and `capRate` may\n * be NUMERIC strings, and `capRate` is a PERCENT (e.g. \"6.5\", not 0.065) — both are coerced\n * here, so the trap where a clean-decimal fixture passes while production data fails silently\n * cannot occur. A null/non-finite reported cap falls back to DEFAULT_CAP_RATE for multifamily.\n \n At score time the property is assumed 100% equity (estimatedDebt = 0), so debt coverage\n * always passes and the routing is driven purely by cash flow; the real debt figure is tested\n * later by the debt drain, which demotes uncovered prospect/discount rows to `shadow`.\n \n Run A (routing): sweep 60->20 at the asking price; the first qualifying tier => prospect.\n * If none qualify, re-sweep at 85% of asking; the first qualifying tier => discount. If none\n * qualify in either pass => dead.\n \n Run B (comparable yield): independent of Run A, the cash flow at a fixed 20%-down stack on\n * the chosen offer price, divided by that offer price. Banded high/medium/low; dead rows are\n * forced to band `none` (the raw yield is still returned).\n \n @param {Object} input\n * @param {number\|null} [input.bedroomCount] - Bedroom count (assisted living NOI only)\n * @param {number\|string\|null} input.capRate - Reported cap rate as a PERCENT; null => estimate\n * @param {number\|string} input.price - Asking price (positive); null/0 returns null\n * @param {string} [input.propertyType] - DB property type (mfr/str/assisted/other)\n * @param {number\|string\|null} [input.units] - Unit count (selects residential vs commercial DSCR tier)\n * @returns {{assignment:number, cap_source:string, cash_flow:(number\|null), cocr15_discount:(number\|null), cocr15_price:(number\|null), cocr30:(number\|null), deal_pool:string, downpayment_percent:number, equity_tier:(object\|null), offer_price:number, raw_yield:number, yield_band:string}\|null}\n * `cap_source` is \"reported\" when a usable (positive) cap was supplied, \"estimate\" when the\n * row was scored on DEFAULT_CAP_RATE because none was reported (or a non-positive cap was) —\n * the UI flags \"estimate\" rows as needs-confirmation and offers a manual cap-rate input that\n * re-scores the row. Most meaningful for cap-driven types (mfr/other); STR/assisted derive NOI\n * from other models. `cocr15_price` is the standard-investor (30% down / 70% DSCR) price that\n * yields a 15% COCR on the row's NOI; `cocr15_discount` is that price as a fraction of asking\n * ((target - price)/price, a decimal); `cocr30` is the actual COCR percent at asking with 30%\n * down. All three are null when NOI <= 0. Null (whole result) when price is not a positive\n * number (caller should skip + log; the SQL gate excludes these).\n /\nexport function calculateEquityCarryScore({\n bedroomCount = null,\n capRate,\n price,\n propertyType = \"mfr\",\n units = null,\n} = {}) {\n const priceNum = Number(price);\n if (!Number.isFinite(priceNum) \|\| priceNum <= 0) return null;\n\n const capPercent = capRate === null \|\| capRate === undefined \|\| capRate === \"\" ? NaN : Number(capRate);\n const reportedCapRate = Number.isFinite(capPercent) && capPercent > 0 ? capPercent / 100 : null;\n\n const unitsNum = Number(units);\n const rateType = determineInterestRateType(propertyType, Number.isFinite(unitsNum) ? unitsNum : undefined);\n const { amortization: dscrAmortization, rate: dscrRate } = INTEREST_RATE_TIERS[rateType];\n\n const { noi } = resolveListingFinancials({\n bedroomCount,\n estimatedCapRate: DEFAULT_CAP_RATE,\n price: priceNum,\n propertyType,\n reportedCapRate,\n });\n\n const estimatedDebt = 0;\n\n let dealPool;\n let offerPrice;\n let winner = sweepTiers(noi, priceNum, dscrRate, dscrAmortization, estimatedDebt);\n if (winner) {\n dealPool = \"prospect\";\n offerPrice = priceNum;\n } else {\n const discountBasis = priceNum DISCOUNT_BASIS;\n winner = sweepTiers(noi, discountBasis, dscrRate, dscrAmortization, estimatedDebt);\n if (winner) {\n dealPool = \"discount\";\n offerPrice = discountBasis;\n } else {\n dealPool = \"dead\";\n offerPrice = priceNum;\n }\n }\n\n const cashFlow20 = noi - tierAnnualDebtService(FIXED_YIELD_TIER, offerPrice, dscrRate, dscrAmortization);\n const rawYield = offerPrice > 0 ? cashFlow20 / offerPrice : 0;\n\n let yieldBand;\n if (dealPool === \"dead\") {\n yieldBand = \"none\";\n } else if (rawYield > YIELD_BAND_HIGH) {\n yieldBand = \"high\";\n } else if (rawYield >= YIELD_BAND_MEDIUM) {\n yieldBand = \"medium\";\n } else {\n yieldBand = \"low\";\n }\n\n let cocr15Price = null;\n let cocr15Discount = null;\n let cocr30 = null;\n if (noi > 0) {\n const targetPrice = calculatePriceForCOCR(noi, 0.15, { dscrRate, dscrTerm: dscrAmortization });\n if (Number.isFinite(targetPrice) && targetPrice > 0) {\n cocr15Price = targetPrice;\n cocr15Discount = (targetPrice - priceNum) / priceNum;\n }\n const cocrAtThirty = calculateCOCRAtPercent(priceNum, noi, 30, { dscrRate, dscrTerm: dscrAmortization });\n if (Number.isFinite(cocrAtThirty)) cocr30 = cocrAtThirty;\n }\n\n return {\n assignment: calculateAssignmentFee(offerPrice),\n cap_source: reportedCapRate === null ? \"estimate\" : \"reported\",\n cash_flow: winner ? winner.cashFlow : null,\n cocr15_discount: cocr15Discount,\n cocr15_price: cocr15Price,\n cocr30,\n deal_pool: dealPool,\n downpayment_percent: winner ? winner.tier.downPercent : -1,\n equity_tier: winner ? { ...winner.tier } : null,\n offer_price: offerPrice,\n raw_yield: rawYield,\n yield_band: yieldBand,\n };\n}\n"],"names":["EQUITY_CARRY_TIERS","downPercent","dscrPercent","sellerPercent","FIXED_YIELD_TIER","length","tierAnnualDebtService","tier","basis","dscrRate","dscrAmortization","calculatePMT","SELLER_FI_INTEREST_RATE","SELLER_FI_AMORTIZATION","sweepTiers","noi","estimatedDebt","cashFlow","downPayment","calculateEquityCarryScore","bedroomCount","capRate","price","propertyType","units","priceNum","Number","isFinite","capPercent","NaN","reportedCapRate","unitsNum","rateType","determineInterestRateType","undefined","amortization","rate","INTEREST_RATE_TIERS","resolveListingFinancials","estimatedCapRate","DEFAULT_CAP_RATE","dealPool","offerPrice","winner","discountBasis","cashFlow20","rawYield","yieldBand","cocr15Price","cocr15Discount","cocr30","targetPrice","calculatePriceForCOCR","dscrTerm","cocrAtThirty","calculateCOCRAtPercent","assignment","calculateAssignmentFee","cap_source","cash_flow","cocr15_discount","cocr15_price","deal_pool","downpayment_percent","equity_tier","offer_price","raw_yield","yield_band"],"mappings":"6UAYY,MAACA,EAAqB,CAChC,CAAEC,YAAa,GAAIC,YAAa,GAAIC,cAAe,IACnD,CAAEF,YAAa,GAAIC,YAAa,GAAIC,cAAe,IACnD,CAAEF,YAAa,GAAIC,YAAa,GAAIC,cAAe,IACnD,CAAEF,YAAa,GAAIC,YAAa,GAAIC,cAAe,IACnD,CAAEF,YAAa,GAAIC,YAAa,GAAIC,cAAe,KAI/CC,EAAmBJ,EAAmBA,EAAmBK,OAAS,GAaxE,SAASC,sBAAsBC,EAAMC,EAAOC,EAAUC,GAGpD,OAFgG,GAA7EC,EAAaH,GAASD,EAAKL,YAAc,KAAMO,EAAUC,GAC6C,GAApGC,EAAaH,GAASD,EAAKJ,cAAgB,KAAMS,EAAyBC,EAEjG,CAOA,SAASC,WAAWC,EAAKP,EAAOC,EAAUC,EAAkBM,GAC1D,IAAK,MAAMT,KAAQP,EAAoB,CACrC,MAAMiB,EAAWF,EAAMT,sBAAsBC,EAAMC,EAAOC,EAAUC,GAC9DQ,EAAeX,EAAKN,YAAc,IAAOO,EAC/C,GAAIS,EAAW,GAAKC,GAAeF,EACjC,MAAO,CAAEC,WAAUV,OAEvB,CACA,OAAO,IACT,CAuCO,SAASY,2BAA0BC,aACxCA,EAAe,KAAIC,QACnBA,EAAOC,MACPA,EAAKC,aACLA,EAAe,MAAKC,MACpBA,EAAQ,MACN,IACF,MAAMC,EAAWC,OAAOJ,GACxB,IAAKI,OAAOC,SAASF,IAAaA,GAAY,EAAG,OAAO,KAExD,MAAMG,EAAaP,SAAyD,KAAZA,EAAiBQ,IAAMH,OAAOL,GACxFS,EAAkBJ,OAAOC,SAASC,IAAeA,EAAa,EAAIA,EAAa,IAAM,KAErFG,EAAWL,OAAOF,GAClBQ,EAAWC,EAA0BV,EAAcG,OAAOC,SAASI,GAAYA,OAAWG,IACxFC,aAAczB,EAAkB0B,KAAM3B,GAAa4B,EAAoBL,IAEzEjB,IAAEA,GAAQuB,EAAyB,CACvClB,eACAmB,iBAAkBC,EAClBlB,MAAOG,EACPF,eACAO,oBAKF,IAAIW,EACAC,EACAC,EAAS7B,WAAWC,EAAKU,EAAUhB,EAAUC,EAJ3B,GAKtB,GAAIiC,EACFF,EAAW,WACXC,EAAajB,MACR,CACL,MAAMmB,EA3Ga,IA2GGnB,EACtBkB,EAAS7B,WAAWC,EAAK6B,EAAenC,EAAUC,EAV9B,GAWhBiC,GACFF,EAAW,WACXC,EAAaE,IAEbH,EAAW,OACXC,EAAajB,EAEjB,CAEA,MAAMoB,EAAa9B,EAAMT,sBAAsBF,EAAkBsC,EAAYjC,EAAUC,GACjFoC,EAAWJ,EAAa,EAAIG,EAAaH,EAAa,EAE5D,IAAIK,EAEFA,EADe,SAAbN,EACU,OACHK,EA1HW,IA2HR,OACHA,GA3Ha,IA4HV,SAEA,MAGd,IAAIE,EAAc,KACdC,EAAiB,KACjBC,EAAS,KACb,GAAInC,EAAM,EAAG,CACX,MAAMoC,EAAcC,EAAsBrC,EAAK,IAAM,CAAEN,WAAU4C,SAAU3C,IACvEgB,OAAOC,SAASwB,IAAgBA,EAAc,IAChDH,EAAcG,EACdF,GAAkBE,EAAc1B,GAAYA,GAE9C,MAAM6B,EAAeC,EAAuB9B,EAAUV,EAAK,GAAI,CAAEN,WAAU4C,SAAU3C,IACjFgB,OAAOC,SAAS2B,KAAeJ,EAASI,EAC9C,CAEA,MAAO,CACLE,WAAYC,EAAuBf,GACnCgB,WAAgC,OAApB5B,EAA2B,WAAa,WACpD6B,UAAWhB,EAASA,EAAO1B,SAAW,KACtC2C,gBAAiBX,EACjBY,aAAcb,EACdE,SACAY,UAAWrB,EACXsB,oBAAqBpB,EAASA,EAAOpC,KAAKN,aAAc,EACxD+D,YAAarB,EAAS,IAAKA,EAAOpC,MAAS,KAC3C0D,YAAavB,EACbwB,UAAWpB,EACXqB,WAAYpB,EAEhB"}
1	+ {"version":3,"file":"equity-carry.js","sources":["../../src/financial/equity-carry.js"],"sourcesContent":["// src/financial/equity-carry.js\n\nimport { DEFAULT_CAP_RATE, INTEREST_RATE_TIERS, SELLER_FI_AMORTIZATION, SELLER_FI_INTEREST_RATE, determineInterestRateType } from \"../config/financial.js\";\nimport { calculateAssignmentFee, calculateCOCRAtPercent, calculatePMT, calculatePriceForCOCR, resolveListingFinancials } from \"./calculations.js\";\n\n/*\n Equity Carry financing tiers (constant 110% leverage: DSCR % + seller carry % = 110).\n * Ordered highest down-payment first so a sweep stops at the strongest qualifying tier:\n * cash flow falls as the down payment rises (more of the stack moves to the market-rate\n * DSCR leg and off the 0% seller note), so the first tier that clears in a 60->20 sweep is\n * the highest down payment that still cash-flows.\n /\nexport const EQUITY_CARRY_TIERS = [\n { downPercent: 60, dscrPercent: 70, sellerPercent: 40 },\n { downPercent: 50, dscrPercent: 60, sellerPercent: 50 },\n { downPercent: 40, dscrPercent: 50, sellerPercent: 60 },\n { downPercent: 30, dscrPercent: 40, sellerPercent: 70 },\n { downPercent: 20, dscrPercent: 30, sellerPercent: 80 },\n];\n\nconst DISCOUNT_BASIS = 0.85;\nconst FIXED_YIELD_TIER = EQUITY_CARRY_TIERS[EQUITY_CARRY_TIERS.length - 1]; // 20% down\nconst YIELD_BAND_HIGH = 0.08;\nconst YIELD_BAND_MEDIUM = 0.04;\n\n/\n Annual debt service for one tier at a given price basis, from the suite primitives.\n * DSCR leg amortizes at the property's market rate/term; the seller carry leg is 0% / 30yr.\n * @param {{dscrPercent:number, sellerPercent:number}} tier\n * @param {number} basis - Price the financing is sized against (asking or discounted)\n * @param {number} dscrRate - DSCR annual interest rate (decimal)\n * @param {number} dscrAmortization - DSCR amortization (years)\n * @returns {number} Combined annual debt service (DSCR + seller carry)\n /\nfunction tierAnnualDebtService(tier, basis, dscrRate, dscrAmortization) {\n const dscrAnnual = calculatePMT(basis (tier.dscrPercent / 100), dscrRate, dscrAmortization) * 12;\n const sellerAnnual = calculatePMT(basis * (tier.sellerPercent / 100), SELLER_FI_INTEREST_RATE, SELLER_FI_AMORTIZATION) * 12;\n return dscrAnnual + sellerAnnual;\n}\n\n/*\n Sweep the tiers (60 -> 20) at one price basis; return the first (highest down payment)\n * tier whose annual cash flow is positive AND whose down payment covers any known debt.\n * @returns {{tier:object, cashFlow:number}\|null} Winning tier + its annual cash flow, or null\n /\nfunction sweepTiers(noi, basis, dscrRate, dscrAmortization, estimatedDebt) {\n for (const tier of EQUITY_CARRY_TIERS) {\n const cashFlow = noi - tierAnnualDebtService(tier, basis, dscrRate, dscrAmortization);\n const downPayment = (tier.downPercent / 100) basis;\n if (cashFlow > 0 && downPayment >= estimatedDebt) {\n return { cashFlow, tier };\n }\n }\n return null;\n}\n\n/*\n Score a scraped listing with the Equity Carry Method and route it to a deal pool.\n \n Pure, no IO. Accepts inputs in the raw shape Postgres returns: `price` and `capRate` may\n * be NUMERIC strings, and `capRate` is a PERCENT (e.g. \"6.5\", not 0.065) — both are coerced\n * here, so the trap where a clean-decimal fixture passes while production data fails silently\n * cannot occur. A null/non-finite reported cap falls back to DEFAULT_CAP_RATE for multifamily.\n \n At score time the property is assumed 100% equity (estimatedDebt = 0), so debt coverage\n * always passes and the routing is driven purely by cash flow; the real debt figure is tested\n * later by the debt drain, which demotes uncovered prospect/discount rows to `shadow`.\n \n Run A (routing): sweep 60->20 at the asking price; the first qualifying tier => prospect.\n * If none qualify, re-sweep at 85% of asking; the first qualifying tier => discount. If none\n * qualify in either pass => dead.\n \n Run B (comparable yield): independent of Run A, the cash flow at a fixed 20%-down stack on\n * the chosen offer price, divided by that offer price. Banded high/medium/low; dead rows are\n * forced to band `none` (the raw yield is still returned).\n \n @param {Object} input\n * @param {number\|null} [input.bedroomCount] - Bedroom count (assisted living NOI only)\n * @param {number\|string\|null} input.capRate - Reported cap rate as a PERCENT; null => estimate\n * @param {number\|string} input.price - Asking price (positive); null/0 returns null\n * @param {string} [input.propertyType] - DB property type (mfr/str/assisted/other)\n * @param {number\|string\|null} [input.units] - Unit count (selects residential vs commercial DSCR tier)\n * @returns {{assignment:number, cap_source:string, cash_flow:(number\|null), cocr15_discount:(number\|null), cocr15_price:(number\|null), cocr30:(number\|null), deal_pool:string, downpayment_percent:number, equity_tier:(object\|null), offer_price:number, raw_yield:number, yield_band:string}\|null}\n * `cap_source` is \"reported\" when a usable (positive) cap was supplied, \"estimate\" when the\n * row was scored on DEFAULT_CAP_RATE because none was reported (or a non-positive cap was) —\n * the UI flags \"estimate\" rows as needs-confirmation and offers a manual cap-rate input that\n * re-scores the row. Most meaningful for cap-driven types (mfr/other); STR/assisted derive NOI\n * from other models. `cocr15_price` is the standard-investor (30% down / 70% DSCR) price that\n * yields a 15% COCR on the row's NOI; `cocr15_discount` is that price as a fraction of asking\n * ((target - price)/price, a decimal); `cocr30` is the actual COCR percent at asking with 30%\n * down. All three are null when NOI <= 0. Null (whole result) when price is not a positive\n * number (caller should skip + log; the SQL gate excludes these).\n /\nexport function calculateEquityCarryScore({\n bedroomCount = null,\n capRate,\n price,\n propertyType = \"mfr\",\n units = null,\n} = {}) {\n const priceNum = Number(price);\n if (!Number.isFinite(priceNum) \|\| priceNum <= 0) return null;\n\n const capPercent = capRate === null \|\| capRate === undefined \|\| capRate === \"\" ? NaN : Number(capRate);\n const reportedCapRate = Number.isFinite(capPercent) && capPercent > 0 ? capPercent / 100 : null;\n\n const unitsNum = Number(units);\n const resolvedType = propertyType \|\| \"mfr\";\n const rateType = determineInterestRateType(resolvedType, Number.isFinite(unitsNum) ? unitsNum : undefined);\n const { amortization: dscrAmortization, rate: dscrRate } = INTEREST_RATE_TIERS[rateType];\n\n const { noi } = resolveListingFinancials({\n bedroomCount,\n estimatedCapRate: DEFAULT_CAP_RATE,\n price: priceNum,\n propertyType: resolvedType,\n reportedCapRate,\n });\n\n const estimatedDebt = 0;\n\n let dealPool;\n let offerPrice;\n let winner = sweepTiers(noi, priceNum, dscrRate, dscrAmortization, estimatedDebt);\n if (winner) {\n dealPool = \"prospect\";\n offerPrice = priceNum;\n } else {\n const discountBasis = priceNum DISCOUNT_BASIS;\n winner = sweepTiers(noi, discountBasis, dscrRate, dscrAmortization, estimatedDebt);\n if (winner) {\n dealPool = \"discount\";\n offerPrice = discountBasis;\n } else {\n dealPool = \"dead\";\n offerPrice = priceNum;\n }\n }\n\n const cashFlow20 = noi - tierAnnualDebtService(FIXED_YIELD_TIER, offerPrice, dscrRate, dscrAmortization);\n const rawYield = offerPrice > 0 ? cashFlow20 / offerPrice : 0;\n\n let yieldBand;\n if (dealPool === \"dead\") {\n yieldBand = \"none\";\n } else if (rawYield > YIELD_BAND_HIGH) {\n yieldBand = \"high\";\n } else if (rawYield >= YIELD_BAND_MEDIUM) {\n yieldBand = \"medium\";\n } else {\n yieldBand = \"low\";\n }\n\n let cocr15Price = null;\n let cocr15Discount = null;\n let cocr30 = null;\n if (noi > 0) {\n const targetPrice = calculatePriceForCOCR(noi, 0.15, { dscrRate, dscrTerm: dscrAmortization });\n if (Number.isFinite(targetPrice) && targetPrice > 0) {\n cocr15Price = targetPrice;\n cocr15Discount = (targetPrice - priceNum) / priceNum;\n }\n const cocrAtThirty = calculateCOCRAtPercent(priceNum, noi, 30, { dscrRate, dscrTerm: dscrAmortization });\n if (Number.isFinite(cocrAtThirty)) cocr30 = cocrAtThirty;\n }\n\n return {\n assignment: calculateAssignmentFee(offerPrice),\n cap_source: reportedCapRate === null ? \"estimate\" : \"reported\",\n cash_flow: winner ? winner.cashFlow : null,\n cocr15_discount: cocr15Discount,\n cocr15_price: cocr15Price,\n cocr30,\n deal_pool: dealPool,\n downpayment_percent: winner ? 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package/package.json CHANGED Viewed

@@ -1,6 +1,6 @@
 {
   "name": "@archerjessop/utilities",
-  "version": "7.25.0",
+  "version": "7.26.0",
   "description": "Shared utilities for ArcherJessop property analysis tools",
   "type": "module",
   "main": "dist/index.js",