@archerjessop/utilities 7.29.1 → 7.31.0

package/dist/config/business.js

@@ -1,2 +1,2 @@
-import{getEnvVar as E}from"../environment/utilities.js";const _={ASSIGNMENT_FEE_PERCENTAGE:.05,CASH_OFFER_ASSIGNMENT_PERCENTAGE:.07,CASH_OFFER_ROUNDING:1e4,NET_TO_BUYER_PERCENTAGE:.1,CLOSING_COSTS_PERCENTAGE:.0125,HARD_MONEY_RATE:.03,REHAB_RATE:0,SELLER_AGENT_COMMISSION:.025,BUYER_AGENT_COMMISSION:.025,MINIMUM_COCR15_PRICE:1e4,MAX_COCR15_PRICE_MULTIPLIER:50,CONSERVATIVE_COCR15_PRICE_MULTIPLIER:20,MAX_ITERATIONS:50,CALCULATION_TOLERANCE:.001,ADJUSTMENT_FACTOR:.5,EXPORT_URL_BASE:E("EXPORT_URL_BASE","https://app.archerjessop.com/property-dashboard/import"),EXCLUDED_EXPORT_VALUES:["Loading...","Not found","",null,void 0],DASHBOARD_URL_BASE:E("DASHBOARD_URL_BASE","https://app.archerjessop.com/property-dashboard/")},{ASSIGNMENT_FEE_PERCENTAGE:R,CASH_OFFER_ASSIGNMENT_PERCENTAGE:A,CASH_OFFER_ROUNDING:C,NET_TO_BUYER_PERCENTAGE:N,CLOSING_COSTS_PERCENTAGE:T,HARD_MONEY_RATE:I,SELLER_AGENT_COMMISSION:O,BUYER_AGENT_COMMISSION:S,MINIMUM_COCR15_PRICE:M,MAX_COCR15_PRICE_MULTIPLIER:L,CONSERVATIVE_COCR15_PRICE_MULTIPLIER:P,REHAB_RATE:G}=_;export{R as ASSIGNMENT_FEE_PERCENTAGE,_ as BUSINESS_CONSTANTS,S as BUYER_AGENT_COMMISSION,A as CASH_OFFER_ASSIGNMENT_PERCENTAGE,C as CASH_OFFER_ROUNDING,T as CLOSING_COSTS_PERCENTAGE,P as CONSERVATIVE_COCR15_PRICE_MULTIPLIER,I as HARD_MONEY_RATE,L as MAX_COCR15_PRICE_MULTIPLIER,M as MINIMUM_COCR15_PRICE,N as NET_TO_BUYER_PERCENTAGE,G as REHAB_RATE,O as SELLER_AGENT_COMMISSION};
+import{getEnvVar as E}from"../environment/utilities.js";const _={ASSIGNMENT_FEE_PERCENTAGE:.05,CASH_OFFER_ASSIGNMENT_PERCENTAGE:.07,CASH_OFFER_ROUNDING:1e4,NET_TO_BUYER_PERCENTAGE:.1,SELLER_FINANCE_MAX_DOWN_PERCENT:9.2,CLOSING_COSTS_PERCENTAGE:.0125,HARD_MONEY_RATE:.03,REHAB_RATE:0,SELLER_AGENT_COMMISSION:.025,BUYER_AGENT_COMMISSION:.025,MINIMUM_COCR15_PRICE:1e4,MAX_COCR15_PRICE_MULTIPLIER:50,CONSERVATIVE_COCR15_PRICE_MULTIPLIER:20,MAX_ITERATIONS:50,CALCULATION_TOLERANCE:.001,ADJUSTMENT_FACTOR:.5,EXPORT_URL_BASE:E("EXPORT_URL_BASE","https://app.archerjessop.com/property-dashboard/import"),EXCLUDED_EXPORT_VALUES:["Loading...","Not found","",null,void 0],DASHBOARD_URL_BASE:E("DASHBOARD_URL_BASE","https://app.archerjessop.com/property-dashboard/")},{ASSIGNMENT_FEE_PERCENTAGE:R,CASH_OFFER_ASSIGNMENT_PERCENTAGE:A,CASH_OFFER_ROUNDING:N,NET_TO_BUYER_PERCENTAGE:C,CLOSING_COSTS_PERCENTAGE:T,HARD_MONEY_RATE:I,SELLER_FINANCE_MAX_DOWN_PERCENT:O,SELLER_AGENT_COMMISSION:S,BUYER_AGENT_COMMISSION:M,MINIMUM_COCR15_PRICE:L,MAX_COCR15_PRICE_MULTIPLIER:P,CONSERVATIVE_COCR15_PRICE_MULTIPLIER:G,REHAB_RATE:U}=_;export{R as ASSIGNMENT_FEE_PERCENTAGE,_ as BUSINESS_CONSTANTS,M as BUYER_AGENT_COMMISSION,A as CASH_OFFER_ASSIGNMENT_PERCENTAGE,N as CASH_OFFER_ROUNDING,T as CLOSING_COSTS_PERCENTAGE,G as CONSERVATIVE_COCR15_PRICE_MULTIPLIER,I as HARD_MONEY_RATE,P as MAX_COCR15_PRICE_MULTIPLIER,L as MINIMUM_COCR15_PRICE,C as NET_TO_BUYER_PERCENTAGE,U as REHAB_RATE,S as SELLER_AGENT_COMMISSION,O as SELLER_FINANCE_MAX_DOWN_PERCENT};
 //# sourceMappingURL=business.js.map

package/dist/config/business.js.map

@@ -1 +1 @@
-{"version":3,"file":"business.js","sources":["../../src/config/business.js"],"sourcesContent":["/**\r\n * Business logic and fee constants\r\n */\r\n\r\nimport { getEnvVar } from \"../environment/utilities.js\";\r\n\r\nexport const BUSINESS_CONSTANTS = {\r\n  // Assignment and transaction fees\r\n  ASSIGNMENT_FEE_PERCENTAGE: 0.05,    // 5% assignment fee\r\n  CASH_OFFER_ASSIGNMENT_PERCENTAGE: 0.07,  // 7% haircut off the 15%-COCR price for a cash offer (assignment + costs)\r\n  CASH_OFFER_ROUNDING: 10000,  // cash offer price floors DOWN to this step (stays at/below the 15%-COCR max threshold)\r\n  NET_TO_BUYER_PERCENTAGE: 0.10,      // 10% net to buyer\r\n  CLOSING_COSTS_PERCENTAGE: 0.0125,   // 1.25% closing costs\r\n  HARD_MONEY_RATE: 0.03,     // 3% financing fee\r\n  REHAB_RATE: 0.0,              // 0% rehab fee\r\n  \r\n  // Agent commissions\r\n  SELLER_AGENT_COMMISSION: 0.025,      // 3% seller agent commission\r\n  BUYER_AGENT_COMMISSION: 0.025,       // 3% buyer agent commission\r\n  \r\n  // COCR15 price calculation limits\r\n  MINIMUM_COCR15_PRICE: 10000,                    // $10,000 minimum\r\n  MAX_COCR15_PRICE_MULTIPLIER: 50,                // Maximum price as multiple of NOI\r\n  CONSERVATIVE_COCR15_PRICE_MULTIPLIER: 20,       // Conservative price limit\r\n  \r\n  // Algorithm parameters (duplicated for business logic context)\r\n\r\n  \r\n  // Calculation parameters\r\n  MAX_ITERATIONS: 50,                // Maximum iterations for iterative calculations\r\n  CALCULATION_TOLERANCE: 0.001,      // Tolerance for convergence\r\n  ADJUSTMENT_FACTOR: 0.5,            // Adjustment factor for iterations\r\n\r\n\r\n  \r\n  // URL constants - safe for both Node.js and browser\r\n  EXPORT_URL_BASE: getEnvVar(\r\n    \"EXPORT_URL_BASE\",\r\n    \"https://app.archerjessop.com/property-dashboard/import\"\r\n  ),\r\n  EXCLUDED_EXPORT_VALUES: [\"Loading...\", \"Not found\", \"\", null, undefined],\r\n  DASHBOARD_URL_BASE: getEnvVar(\r\n    \"DASHBOARD_URL_BASE\",\r\n    \"https://app.archerjessop.com/property-dashboard/\"\r\n  ),\r\n  \r\n};\r\n\r\n// Convenience exports for commonly used values\r\nexport const {\r\n  ASSIGNMENT_FEE_PERCENTAGE,\r\n  CASH_OFFER_ASSIGNMENT_PERCENTAGE,\r\n  CASH_OFFER_ROUNDING,\r\n  NET_TO_BUYER_PERCENTAGE,\r\n  CLOSING_COSTS_PERCENTAGE,\r\n  HARD_MONEY_RATE,\r\n  SELLER_AGENT_COMMISSION,\r\n  BUYER_AGENT_COMMISSION,\r\n  MINIMUM_COCR15_PRICE,\r\n  MAX_COCR15_PRICE_MULTIPLIER,\r\n  CONSERVATIVE_COCR15_PRICE_MULTIPLIER,\r\n  REHAB_RATE,\r\n} = BUSINESS_CONSTANTS;\r\n"],"names":["BUSINESS_CONSTANTS","ASSIGNMENT_FEE_PERCENTAGE","CASH_OFFER_ASSIGNMENT_PERCENTAGE","CASH_OFFER_ROUNDING","NET_TO_BUYER_PERCENTAGE","CLOSING_COSTS_PERCENTAGE","HARD_MONEY_RATE","REHAB_RATE","SELLER_AGENT_COMMISSION","BUYER_AGENT_COMMISSION","MINIMUM_COCR15_PRICE","MAX_COCR15_PRICE_MULTIPLIER","CONSERVATIVE_COCR15_PRICE_MULTIPLIER","MAX_ITERATIONS","CALCULATION_TOLERANCE","ADJUSTMENT_FACTOR","EXPORT_URL_BASE","getEnvVar","EXCLUDED_EXPORT_VALUES","undefined","DASHBOARD_URL_BASE"],"mappings":"wDAMY,MAACA,EAAqB,CAEhCC,0BAA2B,IAC3BC,iCAAkC,IAClCC,oBAAqB,IACrBC,wBAAyB,GACzBC,yBAA0B,MAC1BC,gBAAiB,IACjBC,WAAY,EAGZC,wBAAyB,KACzBC,uBAAwB,KAGxBC,qBAAsB,IACtBC,4BAA6B,GAC7BC,qCAAsC,GAMtCC,eAAgB,GAChBC,sBAAuB,KACvBC,kBAAmB,GAKnBC,gBAAiBC,EACf,kBACA,0DAEFC,uBAAwB,CAAC,aAAc,YAAa,GAAI,UAAMC,GAC9DC,mBAAoBH,EAClB,qBACA,sDAMShB,0BACXA,EAAyBC,iCACzBA,EAAgCC,oBAChCA,EAAmBC,wBACnBA,EAAuBC,yBACvBA,EAAwBC,gBACxBA,EAAeE,wBACfA,EAAuBC,uBACvBA,EAAsBC,qBACtBA,EAAoBC,4BACpBA,EAA2BC,qCAC3BA,EAAoCL,WACpCA,GACEP"}
+{"version":3,"file":"business.js","sources":["../../src/config/business.js"],"sourcesContent":["/**\r\n * Business logic and fee constants\r\n */\r\n\r\nimport { getEnvVar } from \"../environment/utilities.js\";\r\n\r\nexport const BUSINESS_CONSTANTS = {\r\n  // Assignment and transaction fees\r\n  ASSIGNMENT_FEE_PERCENTAGE: 0.05,    // 5% assignment fee\r\n  CASH_OFFER_ASSIGNMENT_PERCENTAGE: 0.07,  // 7% haircut off the 15%-COCR price for a cash offer (assignment + costs)\r\n  CASH_OFFER_ROUNDING: 10000,  // cash offer price floors DOWN to this step (stays at/below the 15%-COCR max threshold)\r\n  NET_TO_BUYER_PERCENTAGE: 0.10,      // 10% net to buyer\r\n  SELLER_FINANCE_MAX_DOWN_PERCENT: 9.2,  // ceiling on the down payment for a Standard Seller Financing offer (whole percent); down = min(down-for-15%-COCR, this)\r\n  CLOSING_COSTS_PERCENTAGE: 0.0125,   // 1.25% closing costs\r\n  HARD_MONEY_RATE: 0.03,     // 3% financing fee\r\n  REHAB_RATE: 0.0,              // 0% rehab fee\r\n  \r\n  // Agent commissions\r\n  SELLER_AGENT_COMMISSION: 0.025,      // 3% seller agent commission\r\n  BUYER_AGENT_COMMISSION: 0.025,       // 3% buyer agent commission\r\n  \r\n  // COCR15 price calculation limits\r\n  MINIMUM_COCR15_PRICE: 10000,                    // $10,000 minimum\r\n  MAX_COCR15_PRICE_MULTIPLIER: 50,                // Maximum price as multiple of NOI\r\n  CONSERVATIVE_COCR15_PRICE_MULTIPLIER: 20,       // Conservative price limit\r\n  \r\n  // Algorithm parameters (duplicated for business logic context)\r\n\r\n  \r\n  // Calculation parameters\r\n  MAX_ITERATIONS: 50,                // Maximum iterations for iterative calculations\r\n  CALCULATION_TOLERANCE: 0.001,      // Tolerance for convergence\r\n  ADJUSTMENT_FACTOR: 0.5,            // Adjustment factor for iterations\r\n\r\n\r\n  \r\n  // URL constants - safe for both Node.js and browser\r\n  EXPORT_URL_BASE: getEnvVar(\r\n    \"EXPORT_URL_BASE\",\r\n    \"https://app.archerjessop.com/property-dashboard/import\"\r\n  ),\r\n  EXCLUDED_EXPORT_VALUES: [\"Loading...\", \"Not found\", \"\", null, undefined],\r\n  DASHBOARD_URL_BASE: getEnvVar(\r\n    \"DASHBOARD_URL_BASE\",\r\n    \"https://app.archerjessop.com/property-dashboard/\"\r\n  ),\r\n  \r\n};\r\n\r\n// Convenience exports for commonly used values\r\nexport const {\r\n  ASSIGNMENT_FEE_PERCENTAGE,\r\n  CASH_OFFER_ASSIGNMENT_PERCENTAGE,\r\n  CASH_OFFER_ROUNDING,\r\n  NET_TO_BUYER_PERCENTAGE,\r\n  CLOSING_COSTS_PERCENTAGE,\r\n  HARD_MONEY_RATE,\r\n  SELLER_FINANCE_MAX_DOWN_PERCENT,\r\n  SELLER_AGENT_COMMISSION,\r\n  BUYER_AGENT_COMMISSION,\r\n  MINIMUM_COCR15_PRICE,\r\n  MAX_COCR15_PRICE_MULTIPLIER,\r\n  CONSERVATIVE_COCR15_PRICE_MULTIPLIER,\r\n  REHAB_RATE,\r\n} = BUSINESS_CONSTANTS;\r\n"],"names":["BUSINESS_CONSTANTS","ASSIGNMENT_FEE_PERCENTAGE","CASH_OFFER_ASSIGNMENT_PERCENTAGE","CASH_OFFER_ROUNDING","NET_TO_BUYER_PERCENTAGE","SELLER_FINANCE_MAX_DOWN_PERCENT","CLOSING_COSTS_PERCENTAGE","HARD_MONEY_RATE","REHAB_RATE","SELLER_AGENT_COMMISSION","BUYER_AGENT_COMMISSION","MINIMUM_COCR15_PRICE","MAX_COCR15_PRICE_MULTIPLIER","CONSERVATIVE_COCR15_PRICE_MULTIPLIER","MAX_ITERATIONS","CALCULATION_TOLERANCE","ADJUSTMENT_FACTOR","EXPORT_URL_BASE","getEnvVar","EXCLUDED_EXPORT_VALUES","undefined","DASHBOARD_URL_BASE"],"mappings":"wDAMY,MAACA,EAAqB,CAEhCC,0BAA2B,IAC3BC,iCAAkC,IAClCC,oBAAqB,IACrBC,wBAAyB,GACzBC,gCAAiC,IACjCC,yBAA0B,MAC1BC,gBAAiB,IACjBC,WAAY,EAGZC,wBAAyB,KACzBC,uBAAwB,KAGxBC,qBAAsB,IACtBC,4BAA6B,GAC7BC,qCAAsC,GAMtCC,eAAgB,GAChBC,sBAAuB,KACvBC,kBAAmB,GAKnBC,gBAAiBC,EACf,kBACA,0DAEFC,uBAAwB,CAAC,aAAc,YAAa,GAAI,UAAMC,GAC9DC,mBAAoBH,EAClB,qBACA,sDAMSjB,0BACXA,EAAyBC,iCACzBA,EAAgCC,oBAChCA,EAAmBC,wBACnBA,EAAuBE,yBACvBA,EAAwBC,gBACxBA,EAAeF,gCACfA,EAA+BI,wBAC/BA,EAAuBC,uBACvBA,EAAsBC,qBACtBA,EAAoBC,4BACpBA,EAA2BC,qCAC3BA,EAAoCL,WACpCA,GACER"}

package/dist/financial/business-underwriting.js

@@ -0,0 +1,2 @@
+const e={EBITDA_ADVANCE_RATE:.2,EBITDA_ADVANCE_THRESHOLD:1e6,FF_E_ADVANCE_RATE:.3,INVENTORY_ADVANCE_RATE:.2,OFFER_MULTIPLE_HIGH:3,OFFER_MULTIPLE_LOW:2,REAL_ESTATE_ADVANCE_RATE:.5};function toNumber(e){if(null==e||""===e)return null;const n="number"==typeof e?e:parseFloat(String(e).replace(/[$,\s]/g,""));return Number.isFinite(n)?n:null}function toNonNegative(e){const n=toNumber(e);return null===n||n<0?null:n}function resolveBusinessEarnings(e={}){const n=toNumber(e.ebitda);if(null!==n)return{earnings:n,source:"ebitda"};const t=toNumber(e.sde);if(null!==t)return{earnings:t,source:"sde"};const l=toNumber(e.cashFlow??e.cash_flow);return null!==l?{earnings:l,source:"cash_flow"}:{earnings:null,source:null}}function shouldIncludeRealEstate(e={}){if("boolean"==typeof e.statedInclusion)return e.statedInclusion;const n=toNumber(e.askingPrice),t=toNumber(e.realEstateValue);return!(null!==n&&n>0&&null!==t&&t>=n)}function calculateBusinessDownPayment(n={}){const{EBITDA_ADVANCE_RATE:t,EBITDA_ADVANCE_THRESHOLD:l,FF_E_ADVANCE_RATE:s,INVENTORY_ADVANCE_RATE:a,REAL_ESTATE_ADVANCE_RATE:u}=e,r=toNonNegative(n.realEstateValue)??0,o=toNonNegative(n.ffeValue)??0,i=toNonNegative(n.inventoryValue)??0,c=toNumber(n.ebitda)??0,f={ebitda:c>=l?c*t:0,ffe:o*s,inventory:i*a,realEstate:r*u};return{downPayment:f.realEstate+f.ffe+f.inventory+f.ebitda,legs:f}}function calculateBusinessOffer(n={}){const{OFFER_MULTIPLE_HIGH:t,OFFER_MULTIPLE_LOW:l}=e,{includeFfe:s=!0,includeInventory:a=!0,includeRealEstate:u=!0}=n,r=(u?toNonNegative(n.realEstateValue)??0:0)+(s?toNonNegative(n.ffeValue)??0:0)+(a?toNonNegative(n.inventoryValue)??0:0),o=toNumber(n.earnings);return null===o?{assetsIncluded:r,offerHigh:null,offerLow:null}:{assetsIncluded:r,offerHigh:o*t+r,offerLow:o*l+r}}function underwriteBusinessListing(e={}){const n=e.realEstateValue??e.real_estate_value,t=e.ffeValue??e.ff_e_value,l=e.inventoryValue??e.inventory_value,s=e.ebitda,{earnings:a,source:u}=resolveBusinessEarnings({cashFlow:e.cashFlow??e.cash_flow,ebitda:s,sde:e.sde}),{downPayment:r,legs:o}=calculateBusinessDownPayment({ebitda:s,ffeValue:t,inventoryValue:l,realEstateValue:n}),{assetsIncluded:i,offerHigh:c,offerLow:f}=calculateBusinessOffer({earnings:a,ffeValue:t,includeFfe:e.includeFfe??e.include_ff_e??!0,includeInventory:e.includeInventory??e.include_inventory??!0,includeRealEstate:e.includeRealEstate??e.include_real_estate??!0,inventoryValue:l,realEstateValue:n});return{assetsIncluded:i,collateralShortfall:null!==c&&r>c,downPayment:r,earnings:a,earningsSource:e.earningsSource??e.earnings_source??u,legs:o,offerHigh:c,offerLow:f,sellerCarry:null===c?null:c-r}}export{e as BUSINESS_UNDERWRITING_CONSTANTS,calculateBusinessDownPayment,calculateBusinessOffer,resolveBusinessEarnings,shouldIncludeRealEstate,underwriteBusinessListing};
+//# sourceMappingURL=business-underwriting.js.map

package/dist/financial/business-underwriting.js.map

@@ -0,0 +1 @@
+{"version":3,"file":"business-underwriting.js","sources":["../../src/financial/business-underwriting.js"],"sourcesContent":["// src/financial/business-underwriting.js\n//\n// Underwriting for businesses backed by real estate (the BizBuySell pipeline).\n// The real-estate model prices a property off NOI and a cap rate; this one\n// prices a business off an earnings multiple and adds the tangible assets that\n// convey with it. Shared by the BizBuySell extension panel and the dashboard so\n// both quote the same numbers from the same inputs.\n\n/**\n * Collateral advance rates for the down payment, and the earnings multiples\n * bounding the offer. The EBITDA leg only contributes at or above its threshold\n * — smaller earnings are not treated as collateral.\n */\nexport const BUSINESS_UNDERWRITING_CONSTANTS = {\n  EBITDA_ADVANCE_RATE: 0.20,\n  EBITDA_ADVANCE_THRESHOLD: 1000000,\n  FF_E_ADVANCE_RATE: 0.30,\n  INVENTORY_ADVANCE_RATE: 0.20,\n  OFFER_MULTIPLE_HIGH: 3,\n  OFFER_MULTIPLE_LOW: 2,\n  REAL_ESTATE_ADVANCE_RATE: 0.50,\n};\n\n// Coerce a scraped/stored figure to a finite number, else null. Absent data must\n// stay absent — a missing earnings figure means \"no offer\", never \"an offer of 0\".\nfunction toNumber(value) {\n  if (value === null || value === undefined || value === \"\") return null;\n  const numeric = typeof value === \"number\" ? value : parseFloat(String(value).replace(/[$,\\s]/g, \"\"));\n  return Number.isFinite(numeric) ? numeric : null;\n}\n\nfunction toNonNegative(value) {\n  const numeric = toNumber(value);\n  return numeric === null || numeric < 0 ? null : numeric;\n}\n\n/**\n * Pick the earnings figure that drives the offer multiple, preferring EBITDA and\n * falling back to SDE then cash flow — most BizBuySell listings publish only\n * \"Cash Flow (SDE)\". The source is returned alongside so callers can label which\n * figure the multiple was applied to instead of implying it was EBITDA.\n * @param {{ebitda?:number, sde?:number, cashFlow?:number}} listing\n * @returns {{earnings:number|null, source:string|null}}\n */\nexport function resolveBusinessEarnings(listing = {}) {\n  const ebitda = toNumber(listing.ebitda);\n  if (ebitda !== null) return { earnings: ebitda, source: \"ebitda\" };\n\n  const sde = toNumber(listing.sde);\n  if (sde !== null) return { earnings: sde, source: \"sde\" };\n\n  const cashFlow = toNumber(listing.cashFlow ?? listing.cash_flow);\n  if (cashFlow !== null) return { earnings: cashFlow, source: \"cash_flow\" };\n\n  return { earnings: null, source: null };\n}\n\n/**\n * Whether the real estate should be ADDED to the offer on top of the earnings multiple.\n *\n * Three inputs, in priority order:\n *   1. What the listing says. Explicit wording (\"included in asking price\", or its negation)\n *      is a statement of fact from the seller and always wins.\n *   2. The arithmetic. When the stated real-estate value is at or above the asking price,\n *      the building IS the ask — adding it again would quote an offer ceiling above the\n *      price being asked, which is nonsense. This is the common case on listings that\n *      publish a real-estate value and no inclusion wording at all.\n *   3. Otherwise include it, matching the default for every other asset: understating an\n *      offer by silently dropping an asset is worse than an inclusion that can be toggled\n *      off by hand.\n *\n * @param {{askingPrice?:number, realEstateValue?:number, statedInclusion?:boolean|null}} inputs\n * @returns {boolean}\n */\nexport function shouldIncludeRealEstate(inputs = {}) {\n  if (typeof inputs.statedInclusion === \"boolean\") return inputs.statedInclusion;\n\n  const askingPrice = toNumber(inputs.askingPrice);\n  const realEstateValue = toNumber(inputs.realEstateValue);\n\n  if (askingPrice !== null && askingPrice > 0 && realEstateValue !== null && realEstateValue >= askingPrice) {\n    return false;\n  }\n\n  return true;\n}\n\n/**\n * Down payment as the sum of per-asset collateral advances: 50% of the real\n * estate, 30% of FF&E, 20% of inventory, plus 20% of EBITDA once EBITDA reaches\n * $1M. Each leg is capped at its own rate, and a leg with no reported value\n * contributes nothing.\n *\n * The EBITDA leg reads EBITDA specifically, not the coalesced earnings figure —\n * an SDE-only listing does not qualify, because SDE includes owner compensation\n * and is not the same measure the threshold was set against.\n *\n * @param {{realEstateValue?:number, ffeValue?:number, inventoryValue?:number, ebitda?:number}} inputs\n * @returns {{downPayment:number, legs:{realEstate:number, ffe:number, inventory:number, ebitda:number}}}\n */\nexport function calculateBusinessDownPayment(inputs = {}) {\n  const {\n    EBITDA_ADVANCE_RATE,\n    EBITDA_ADVANCE_THRESHOLD,\n    FF_E_ADVANCE_RATE,\n    INVENTORY_ADVANCE_RATE,\n    REAL_ESTATE_ADVANCE_RATE,\n  } = BUSINESS_UNDERWRITING_CONSTANTS;\n\n  const realEstateValue = toNonNegative(inputs.realEstateValue) ?? 0;\n  const ffeValue = toNonNegative(inputs.ffeValue) ?? 0;\n  const inventoryValue = toNonNegative(inputs.inventoryValue) ?? 0;\n  const ebitda = toNumber(inputs.ebitda) ?? 0;\n\n  const legs = {\n    ebitda: ebitda >= EBITDA_ADVANCE_THRESHOLD ? ebitda * EBITDA_ADVANCE_RATE : 0,\n    ffe: ffeValue * FF_E_ADVANCE_RATE,\n    inventory: inventoryValue * INVENTORY_ADVANCE_RATE,\n    realEstate: realEstateValue * REAL_ESTATE_ADVANCE_RATE,\n  };\n\n  return {\n    downPayment: legs.realEstate + legs.ffe + legs.inventory + legs.ebitda,\n    legs,\n  };\n}\n\n/**\n * The offer range: 2x to 3x earnings, plus the tangible assets that convey.\n * An asset the listing states is already covered by the asking price is excluded\n * by its include flag; the flags default to true, so an asset whose status could\n * not be determined is still offered on (dropping it silently would understate\n * the offer, which is the more damaging error).\n *\n * Returns nulls when no earnings figure exists — there is no honest multiple to\n * take, and quoting the assets alone would read as an offer.\n *\n * @param {object} inputs\n * @param {number} inputs.earnings - Earnings figure the multiple applies to\n * @param {number} [inputs.realEstateValue]\n * @param {number} [inputs.ffeValue]\n * @param {number} [inputs.inventoryValue]\n * @param {boolean} [inputs.includeRealEstate=true]\n * @param {boolean} [inputs.includeFfe=true]\n * @param {boolean} [inputs.includeInventory=true]\n * @returns {{assetsIncluded:number, offerHigh:number|null, offerLow:number|null}}\n */\nexport function calculateBusinessOffer(inputs = {}) {\n  const { OFFER_MULTIPLE_HIGH, OFFER_MULTIPLE_LOW } = BUSINESS_UNDERWRITING_CONSTANTS;\n\n  const {\n    includeFfe = true,\n    includeInventory = true,\n    includeRealEstate = true,\n  } = inputs;\n\n  const assetsIncluded =\n    (includeRealEstate ? toNonNegative(inputs.realEstateValue) ?? 0 : 0) +\n    (includeFfe ? toNonNegative(inputs.ffeValue) ?? 0 : 0) +\n    (includeInventory ? toNonNegative(inputs.inventoryValue) ?? 0 : 0);\n\n  const earnings = toNumber(inputs.earnings);\n  if (earnings === null) return { assetsIncluded, offerHigh: null, offerLow: null };\n\n  return {\n    assetsIncluded,\n    offerHigh: earnings * OFFER_MULTIPLE_HIGH + assetsIncluded,\n    offerLow: earnings * OFFER_MULTIPLE_LOW + assetsIncluded,\n  };\n}\n\n/**\n * Full underwrite for one listing: resolve earnings, size the down payment from\n * collateral, and bound the offer. The seller carries the balance of the ceiling\n * offer as preferred equity.\n *\n * collateralShortfall is set when the collateral-driven down payment exceeds the\n * offer itself — a real signal that the asset value has outrun what the earnings\n * multiple justifies. It is surfaced, never clamped away.\n *\n * @param {object} listing - Scraped/stored figures (snake_case or camelCase)\n * @returns {object} earnings, earningsSource, downPayment, legs, offerLow, offerHigh, sellerCarry, collateralShortfall\n */\nexport function underwriteBusinessListing(listing = {}) {\n  const realEstateValue = listing.realEstateValue ?? listing.real_estate_value;\n  const ffeValue = listing.ffeValue ?? listing.ff_e_value;\n  const inventoryValue = listing.inventoryValue ?? listing.inventory_value;\n  const ebitda = listing.ebitda;\n\n  const { earnings, source } = resolveBusinessEarnings({\n    cashFlow: listing.cashFlow ?? listing.cash_flow,\n    ebitda,\n    sde: listing.sde,\n  });\n\n  const { downPayment, legs } = calculateBusinessDownPayment({\n    ebitda,\n    ffeValue,\n    inventoryValue,\n    realEstateValue,\n  });\n\n  const { assetsIncluded, offerHigh, offerLow } = calculateBusinessOffer({\n    earnings,\n    ffeValue,\n    includeFfe: listing.includeFfe ?? listing.include_ff_e ?? true,\n    includeInventory: listing.includeInventory ?? listing.include_inventory ?? true,\n    includeRealEstate: listing.includeRealEstate ?? listing.include_real_estate ?? true,\n    inventoryValue,\n    realEstateValue,\n  });\n\n  return {\n    assetsIncluded,\n    collateralShortfall: offerHigh !== null && downPayment > offerHigh,\n    downPayment,\n    earnings,\n    earningsSource: listing.earningsSource ?? listing.earnings_source ?? source,\n    legs,\n    offerHigh,\n    offerLow,\n    sellerCarry: offerHigh === null ? null : offerHigh - downPayment,\n  };\n}\n"],"names":["BUSINESS_UNDERWRITING_CONSTANTS","EBITDA_ADVANCE_RATE","EBITDA_ADVANCE_THRESHOLD","FF_E_ADVANCE_RATE","INVENTORY_ADVANCE_RATE","OFFER_MULTIPLE_HIGH","OFFER_MULTIPLE_LOW","REAL_ESTATE_ADVANCE_RATE","toNumber","value","numeric","parseFloat","String","replace","Number","isFinite","toNonNegative","resolveBusinessEarnings","listing","ebitda","earnings","source","sde","cashFlow","cash_flow","shouldIncludeRealEstate","inputs","statedInclusion","askingPrice","realEstateValue","calculateBusinessDownPayment","ffeValue","inventoryValue","legs","ffe","inventory","realEstate","downPayment","calculateBusinessOffer","includeFfe","includeInventory","includeRealEstate","assetsIncluded","offerHigh","offerLow","underwriteBusinessListing","real_estate_value","ff_e_value","inventory_value","include_ff_e","include_inventory","include_real_estate","collateralShortfall","earningsSource","earnings_source","sellerCarry"],"mappings":"AAaY,MAACA,EAAkC,CAC7CC,oBAAqB,GACrBC,yBAA0B,IAC1BC,kBAAmB,GACnBC,uBAAwB,GACxBC,oBAAqB,EACrBC,mBAAoB,EACpBC,yBAA0B,IAK5B,SAASC,SAASC,GAChB,GAAIA,SAAmD,KAAVA,EAAc,OAAO,KAClE,MAAMC,EAA2B,iBAAVD,EAAqBA,EAAQE,WAAWC,OAAOH,GAAOI,QAAQ,UAAW,KAChG,OAAOC,OAAOC,SAASL,GAAWA,EAAU,IAC9C,CAEA,SAASM,cAAcP,GACrB,MAAMC,EAAUF,SAASC,GACzB,OAAmB,OAAZC,GAAoBA,EAAU,EAAI,KAAOA,CAClD,CAUO,SAASO,wBAAwBC,EAAU,IAChD,MAAMC,EAASX,SAASU,EAAQC,QAChC,GAAe,OAAXA,EAAiB,MAAO,CAAEC,SAAUD,EAAQE,OAAQ,UAExD,MAAMC,EAAMd,SAASU,EAAQI,KAC7B,GAAY,OAARA,EAAc,MAAO,CAAEF,SAAUE,EAAKD,OAAQ,OAElD,MAAME,EAAWf,SAASU,EAAQK,UAAYL,EAAQM,WACtD,OAAiB,OAAbD,EAA0B,CAAEH,SAAUG,EAAUF,OAAQ,aAErD,CAAED,SAAU,KAAMC,OAAQ,KACnC,CAmBO,SAASI,wBAAwBC,EAAS,IAC/C,GAAsC,kBAA3BA,EAAOC,gBAA+B,OAAOD,EAAOC,gBAE/D,MAAMC,EAAcpB,SAASkB,EAAOE,aAC9BC,EAAkBrB,SAASkB,EAAOG,iBAExC,QAAoB,OAAhBD,GAAwBA,EAAc,GAAyB,OAApBC,GAA4BA,GAAmBD,EAKhG,CAeO,SAASE,6BAA6BJ,EAAS,IACpD,MAAMzB,oBACJA,EAAmBC,yBACnBA,EAAwBC,kBACxBA,EAAiBC,uBACjBA,EAAsBG,yBACtBA,GACEP,EAEE6B,EAAkBb,cAAcU,EAAOG,kBAAoB,EAC3DE,EAAWf,cAAcU,EAAOK,WAAa,EAC7CC,EAAiBhB,cAAcU,EAAOM,iBAAmB,EACzDb,EAASX,SAASkB,EAAOP,SAAW,EAEpCc,EAAO,CACXd,OAAQA,GAAUjB,EAA2BiB,EAASlB,EAAsB,EAC5EiC,IAAKH,EAAW5B,EAChBgC,UAAWH,EAAiB5B,EAC5BgC,WAAYP,EAAkBtB,GAGhC,MAAO,CACL8B,YAAaJ,EAAKG,WAAaH,EAAKC,IAAMD,EAAKE,UAAYF,EAAKd,OAChEc,OAEJ,CAsBO,SAASK,uBAAuBZ,EAAS,IAC9C,MAAMrB,oBAAEA,EAAmBC,mBAAEA,GAAuBN,GAE9CuC,WACJA,GAAa,EAAIC,iBACjBA,GAAmB,EAAIC,kBACvBA,GAAoB,GAClBf,EAEEgB,GACHD,EAAoBzB,cAAcU,EAAOG,kBAAoB,EAAI,IACjEU,EAAavB,cAAcU,EAAOK,WAAa,EAAI,IACnDS,EAAmBxB,cAAcU,EAAOM,iBAAmB,EAAI,GAE5DZ,EAAWZ,SAASkB,EAAON,UACjC,OAAiB,OAAbA,EAA0B,CAAEsB,iBAAgBC,UAAW,KAAMC,SAAU,MAEpE,CACLF,iBACAC,UAAWvB,EAAWf,EAAsBqC,EAC5CE,SAAUxB,EAAWd,EAAqBoC,EAE9C,CAcO,SAASG,0BAA0B3B,EAAU,IAClD,MAAMW,EAAkBX,EAAQW,iBAAmBX,EAAQ4B,kBACrDf,EAAWb,EAAQa,UAAYb,EAAQ6B,WACvCf,EAAiBd,EAAQc,gBAAkBd,EAAQ8B,gBACnD7B,EAASD,EAAQC,QAEjBC,SAAEA,EAAQC,OAAEA,GAAWJ,wBAAwB,CACnDM,SAAUL,EAAQK,UAAYL,EAAQM,UACtCL,SACAG,IAAKJ,EAAQI,OAGTe,YAAEA,EAAWJ,KAAEA,GAASH,6BAA6B,CACzDX,SACAY,WACAC,iBACAH,qBAGIa,eAAEA,EAAcC,UAAEA,EAASC,SAAEA,GAAaN,uBAAuB,CACrElB,WACAW,WACAQ,WAAYrB,EAAQqB,YAAcrB,EAAQ+B,eAAgB,EAC1DT,iBAAkBtB,EAAQsB,kBAAoBtB,EAAQgC,oBAAqB,EAC3ET,kBAAmBvB,EAAQuB,mBAAqBvB,EAAQiC,sBAAuB,EAC/EnB,iBACAH,oBAGF,MAAO,CACLa,iBACAU,oBAAmC,OAAdT,GAAsBN,EAAcM,EACzDN,cACAjB,WACAiC,eAAgBnC,EAAQmC,gBAAkBnC,EAAQoC,iBAAmBjC,EACrEY,OACAU,YACAC,WACAW,YAA2B,OAAdZ,EAAqB,KAAOA,EAAYN,EAEzD"}

package/dist/financial/calculations.js

@@ -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:i=c.rate,dscrTerm:o=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),i,o),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:i=a.STR.NOI_PERCENTAGE,assistedIncomePerBedroom:o=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:i});case r.ASSISTED_LIVING:return s*o*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 i=null!=l&&Number.isFinite(l),o=i?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,o,n,{bedroomCount:e,strApiResult:u});const t=(n||"").toLowerCase();T=t===r.STR?s?"measured":"estimate":t===r.ASSISTED_LIVING?"bedrooms":i?"cap":"estimate"}Number.isFinite(E)||(E=0);return{activeCapRate:Number.isFinite(c)&&c>0?E/c:null,noi:E,noiSource:T,reportedCapRate:i?l:null}}function calculateAssignmentFee(e,r=100*t.ASSIGNMENT_FEE_PERCENTAGE){try{return e*(r/100)}catch(e){return 0}}function calculateCashOfferPrice(e,r=t.CASH_OFFER_ASSIGNMENT_PERCENTAGE,a=t.CASH_OFFER_ROUNDING){const c=Number(e);if(!Number.isFinite(c)||c<=0)return null;const n=c*(1-r);return!Number.isFinite(a)||a<=0?n:Math.floor(Math.round(n)/a)*a}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:i=100*t.HARD_MONEY_RATE,dscrLtvPercent:o=100*e.DEFAULT_DSCR_PERCENTAGE}=a;try{return r*(c/100)-r*((n+l)/100)-r*(u/100)-i/100*(r-r*(o/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),i=t*(u-Math.pow(1+e,l))/(u-1);return Math.max(0,i)}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:i=c.rate,dscrTerm:o=c.amortization,sellerFiTerm:s=e.SELLER_FI_AMORTIZATION,refiLtvPercent:E=70}=n;try{const c=calculateAppreciatedValue(t,l,u),n=calculateBalloonBalance(r,i,o,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,calculateCashOfferPrice,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 a,PROPERTY_TYPE_CONSTANTS as r}from"../config/property-types.js";const n=e.INTEREST_RATE_TIERS[e.DEFAULT_INTEREST_RATE_TYPE];function calculatePMT(e,t,a){if(0===t)return e/(12*a);const r=t/12,n=12*a;return e*(r*Math.pow(1+r,n))/(Math.pow(1+r,n)-1)}function calculateCOCR30(e,t){try{const a=.3*e,r=12*calculatePMT(.7*e,.075,30);return(t-r)/a*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 a=Number(e),r=Number(t);return!Number.isFinite(a)||a<=0?1:Number.isFinite(r)?(a-r)/a:1}function calculatePriceForCOCR(a,r=.15,c={}){const{downPercent:l=100*e.DEFAULT_DOWN_PAYMENT,dscrLtvPercent:o=100*e.DEFAULT_DSCR_PERCENTAGE,dscrRate:u=n.rate,dscrTerm:i=n.amortization,maxIterations:s=t.MAX_ITERATIONS,tolerance:E=t.CALCULATION_TOLERANCE}=c;try{let e=a/.08,n=0;for(;n<s;){const c=e*(l/100),s=12*calculatePMT(e*(o/100),u,i),T=(a-s)/c;if(Math.abs(T-r)<E)break;const R=T-r,A=R*t.ADJUSTMENT_FACTOR;e*=R>0?1+Math.abs(A):1-Math.abs(A),e<1e3&&(e=1e3),e>a*t.MAX_COCR15_PRICE_MULTIPLIER&&(e=a*t.CONSERVATIVE_COCR15_PRICE_MULTIPLIER),n++}return e<t.MINIMUM_COCR15_PRICE&&(e=t.MINIMUM_COCR15_PRICE),e}catch(e){return 0}}function calculateCOCRAtPercent(e,t,a,r={}){const{dscrRate:c=n.rate,dscrTerm:l=n.amortization}=r;try{const r=e*(a/100),n=12*calculatePMT(e-r,c,l);return(t-n)/r*100}catch(e){return 0}}function calculateSTRNOI(e,t=null,a={}){const{grossRate:n=r.STR.ESTIMATED_GROSS_RATE,noiPercentage:c=r.STR.NOI_PERCENTAGE}=a;try{if(t&&Number.isFinite(t.value)&&t.value>=0){if("noi"===t.type)return t.value;if("gross"===t.type)return t.value*c}return!Number.isFinite(e)||e<=0?0:e*n*c}catch(e){return 0}}function calculateNOIByType(e,t,n=a.MULTIFAMILY,c={}){const{strApiResult:l=null,strGrossIncomeMultiplier:o=r.STR.ESTIMATED_GROSS_RATE,strNoiPercentage:u=r.STR.NOI_PERCENTAGE,assistedIncomePerBedroom:i=r.ASSISTED_LIVING.INCOME_PER_BEDROOM_MONTHLY,bedroomCount:s=r.ASSISTED_LIVING.DEFAULT_BEDROOM_COUNT}=c;try{switch((n||a.MULTIFAMILY).toLowerCase()){case a.STR:return calculateSTRNOI(e,l,{grossRate:o,noiPercentage:u});case a.ASSISTED_LIVING:return s*i*12;case a.MULTIFAMILY:default:return e*t}}catch(e){return 0}}function resolveListingFinancials({bedroomCount:e=null,confirmedNOI:t=null,estimatedCapRate:r,price:n,propertyType:c=a.MULTIFAMILY,reportedCapRate:l=null,strApiResult:o=null}={}){const u=null!=l&&Number.isFinite(l),i=u?l:r,s=o&&Number.isFinite(o.value)&&o.value>=0&&("noi"===o.type||"gross"===o.type);let E,T;if(null!=t&&Number.isFinite(t)&&t>=0)E=t,T="confirmed";else{E=calculateNOIByType(n,i,c,{bedroomCount:e,strApiResult:o});const t=(c||"").toLowerCase();T=t===a.STR?s?"measured":"estimate":t===a.ASSISTED_LIVING?"bedrooms":u?"cap":"estimate"}Number.isFinite(E)||(E=0);return{activeCapRate:Number.isFinite(n)&&n>0?E/n:null,noi:E,noiSource:T,reportedCapRate:u?l:null}}function calculateAssignmentFee(e,a=100*t.ASSIGNMENT_FEE_PERCENTAGE){try{return e*(a/100)}catch(e){return 0}}function calculateCashOfferPrice(e,a=t.CASH_OFFER_ASSIGNMENT_PERCENTAGE,r=t.CASH_OFFER_ROUNDING){const n=Number(e);if(!Number.isFinite(n)||n<=0)return null;const c=n*(1-a);return!Number.isFinite(r)||r<=0?c:Math.floor(Math.round(c)/r)*r}function calculateSellerFinanceOffer(a,r,n={}){const{amortizationYears:c=e.SELLER_FI_AMORTIZATION,interestRate:l=e.SELLER_FI_INTEREST_RATE,maxDownPercent:o=t.SELLER_FINANCE_MAX_DOWN_PERCENT,minDownPercent:u=1,targetCOCR:i=15,yearsBalloon:s=e.DEFAULT_BALLOON_PERIOD_YEARS}=n,cocrAtDown=e=>{const t=r*(e/100),n=r*((100-e)/100),o=n>0?calculatePMT(n,l,c):0;return t>0?(a-12*o)/t*100:0};let E;if(cocrAtDown(u)<=i)E=u;else{let e=u,a=100,r=0;for(;r<t.MAX_ITERATIONS&&a-e>.01;){const t=(e+a)/2;cocrAtDown(t)<i?a=t:e=t,r++}E=(e+a)/2}const T=Math.min(E,o),R=r*(T/100),A=r*((100-T)/100),_=A>0?calculatePMT(A,l,c):0,N=12*_,I=a-N;return{annualCashFlow:I,annualDebtService:N,balloonBalance:calculateBalloonBalance(A,l,c,s),capped:E>o,cashFlowYield:r>0?I/r*100:0,cocr:R>0?I/R*100:0,downPaymentAmount:R,downPercent:T,monthlyPayment:_,sellerNoteAmount:A,solvedDownPercent:E,totalPaymentsToBalloon:N*s}}function calculateNetToBuyer(a,r={}){const{buyerCostPercent:n=100*t.NET_TO_BUYER_PERCENTAGE,sellerCostAssignment:c=100*t.ASSIGNMENT_FEE_PERCENTAGE,sellerCostClosing:l=100*t.CLOSING_COSTS_PERCENTAGE,additionalCostRehab:o=100*t.REHAB_RATE,additionalCostFinancing:u=100*t.HARD_MONEY_RATE,dscrLtvPercent:i=100*e.DEFAULT_DSCR_PERCENTAGE}=r;try{return a*(n/100)-a*((c+l)/100)-a*(o/100)-u/100*(a-a*(i/100))}catch(e){return 0}}function calculateBalloonBalance(t,a,r,n=e.DEFAULT_BALLOON_PERIOD_YEARS){try{if(t<=0||a<0||r<=0||n<=0)return 0;if(n>=r)return 0;if(0===a){const e=12*r;return t*(e-12*n)/e}const e=a/12,c=12*r,l=12*n,o=Math.pow(1+e,c),u=t*(o-Math.pow(1+e,l))/(o-1);return Math.max(0,u)}catch(e){return 0}}function calculateAppreciatedValue(t,a=e.APPRECIATION_RATE,r=e.DEFAULT_BALLOON_PERIOD_YEARS){try{return t<=0||a<0||r<0?t:t*Math.pow(1+a,r)}catch(e){return t}}function calculateCashOutAfterRefi(t,a,r,c={}){const{appreciationRate:l=e.APPRECIATION_RATE,balloonYears:o=e.DEFAULT_BALLOON_PERIOD_YEARS,dscrRate:u=n.rate,dscrTerm:i=n.amortization,sellerFiTerm:s=e.SELLER_FI_AMORTIZATION,refiLtvPercent:E=70}=c;try{const n=calculateAppreciatedValue(t,l,o),c=calculateBalloonBalance(a,u,i,o),T=calculateBalloonBalance(r,e.SELLER_FI_INTEREST_RATE,s,o);return n*(E/100)-(c+T)}catch(e){return 0}}function calculateCashFlow(e,t,a){return e-(t+a)}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,calculateCashOfferPrice,calculateCashOutAfterRefi,calculateDiscountFromPrice,calculateNOIByType,calculateNetToBuyer,calculatePMT,calculatePriceForCOCR,calculatePriceFromDiscount,calculateSTRNOI,calculateSellerFinanceOffer,equityPercentFromDebt,resolveListingFinancials,safePercentage};
 //# sourceMappingURL=calculations.js.map

package/dist/financial/calculations.js.map

@@ -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 || 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 the all-cash offer price from the 15%-COCR price.\r\n * The cash offer is the standard-investor 15%-COCR price less a haircut that\r\n * covers the assignment fee and associated costs, then floored DOWN to the\r\n * rounding step. Flooring (never rounding up) keeps the offer at or below the\r\n * 15%-COCR maximum threshold.\r\n * @param {number} cocr15Price - Price at which COCR hits 15% on the NOI (dollars)\r\n * @param {number} assignmentPercent - Haircut as a decimal (uses config default)\r\n * @param {number} roundingStep - Floor the result down to this step; 0 disables (uses config default)\r\n * @returns {number|null} Cash offer price, or null when cocr15Price is not a positive number\r\n */\r\nexport function calculateCashOfferPrice(\r\n  cocr15Price,\r\n  assignmentPercent = BUSINESS_CONSTANTS.CASH_OFFER_ASSIGNMENT_PERCENTAGE,\r\n  roundingStep = BUSINESS_CONSTANTS.CASH_OFFER_ROUNDING\r\n) {\r\n  const price = Number(cocr15Price);\r\n  if (!Number.isFinite(price) || price <= 0) return null;\r\n  const haircutPrice = price * (1 - assignmentPercent);\r\n  if (!Number.isFinite(roundingStep) || roundingStep <= 0) return haircutPrice;\r\n  // Round to whole dollars first so binary-float noise (e.g. 929999.9999) can't\r\n  // knock the value down a whole step, then floor to the step.\r\n  return Math.floor(Math.round(haircutPrice) / roundingStep) * roundingStep;\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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+{"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 the all-cash offer price from the 15%-COCR price.\r\n * The cash offer is the standard-investor 15%-COCR price less a haircut that\r\n * covers the assignment fee and associated costs, then floored DOWN to the\r\n * rounding step. Flooring (never rounding up) keeps the offer at or below the\r\n * 15%-COCR maximum threshold.\r\n * @param {number} cocr15Price - Price at which COCR hits 15% on the NOI (dollars)\r\n * @param {number} assignmentPercent - Haircut as a decimal (uses config default)\r\n * @param {number} roundingStep - Floor the result down to this step; 0 disables (uses config default)\r\n * @returns {number|null} Cash offer price, or null when cocr15Price is not a positive number\r\n */\r\nexport function calculateCashOfferPrice(\r\n  cocr15Price,\r\n  assignmentPercent = BUSINESS_CONSTANTS.CASH_OFFER_ASSIGNMENT_PERCENTAGE,\r\n  roundingStep = BUSINESS_CONSTANTS.CASH_OFFER_ROUNDING\r\n) {\r\n  const price = Number(cocr15Price);\r\n  if (!Number.isFinite(price) || price <= 0) return null;\r\n  const haircutPrice = price * (1 - assignmentPercent);\r\n  if (!Number.isFinite(roundingStep) || roundingStep <= 0) return haircutPrice;\r\n  // Round to whole dollars first so binary-float noise (e.g. 929999.9999) can't\r\n  // knock the value down a whole step, then floor to the step.\r\n  return Math.floor(Math.round(haircutPrice) / roundingStep) * roundingStep;\r\n}\r\n\r\n/**\r\n * Solve and analyze a Standard Seller Financing offer (pure seller carry: down payment\r\n * plus seller note equal 100% of the offer price — no bank/DSCR leg).\r\n *\r\n * The down payment is solved to the value that yields the target cash-on-cash return,\r\n * then capped at maxDownPercent. In the default 0%-interest structure the COCR falls as\r\n * the down payment rises (more cash for the same debt service), so:\r\n *   - if the target COCR is reachable at <= maxDownPercent down, that exact down is used\r\n *     (COCR lands on target);\r\n *   - otherwise the down is capped at maxDownPercent and the COCR comes in ABOVE target.\r\n * Either way the down never exceeds maxDownPercent and the COCR never falls below target\r\n * for a cash-flowing deal. A deal that cannot cash-flow even at the minimum down (COCR at\r\n * minDownPercent already below target) returns minDownPercent with its actual (poor) COCR.\r\n *\r\n * @param {number} noi - Annual net operating income\r\n * @param {number} price - Offer price the down payment and seller note are sized against\r\n * @param {Object} options - Term and target overrides (default to config constants)\r\n * @param {number} [options.amortizationYears] - Seller note amortization (years)\r\n * @param {number} [options.interestRate] - Seller note annual interest rate (decimal, e.g. 0.07)\r\n * @param {number} [options.maxDownPercent] - Down-payment ceiling (whole percent)\r\n * @param {number} [options.minDownPercent] - Down-payment floor (whole percent)\r\n * @param {number} [options.targetCOCR] - Target cash-on-cash return (whole percent)\r\n * @param {number} [options.yearsBalloon] - Balloon period (years)\r\n * @returns {{annualCashFlow:number, annualDebtService:number, balloonBalance:number, capped:boolean, cashFlowYield:number, cocr:number, downPaymentAmount:number, downPercent:number, monthlyPayment:number, sellerNoteAmount:number, solvedDownPercent:number, totalPaymentsToBalloon:number}}\r\n */\r\nexport function calculateSellerFinanceOffer(noi, price, options = {}) {\r\n  const {\r\n    amortizationYears = FINANCIAL_CONSTANTS.SELLER_FI_AMORTIZATION,\r\n    interestRate = FINANCIAL_CONSTANTS.SELLER_FI_INTEREST_RATE,\r\n    maxDownPercent = BUSINESS_CONSTANTS.SELLER_FINANCE_MAX_DOWN_PERCENT,\r\n    minDownPercent = 1,\r\n    targetCOCR = 15,\r\n    yearsBalloon = FINANCIAL_CONSTANTS.DEFAULT_BALLOON_PERIOD_YEARS,\r\n  } = options;\r\n\r\n  const cocrAtDown = (downPercent) => {\r\n    const downPaymentAmount = price * (downPercent / 100);\r\n    const sellerNoteAmount = price * ((100 - downPercent) / 100);\r\n    const monthlyPayment = sellerNoteAmount > 0 ? calculatePMT(sellerNoteAmount, interestRate, amortizationYears) : 0;\r\n    const annualCashFlow = noi - monthlyPayment * 12;\r\n    return downPaymentAmount > 0 ? (annualCashFlow / downPaymentAmount) * 100 : 0;\r\n  };\r\n\r\n  let solvedDownPercent;\r\n  if (cocrAtDown(minDownPercent) <= targetCOCR) {\r\n    solvedDownPercent = minDownPercent;\r\n  } else {\r\n    let low = minDownPercent;\r\n    let high = 100;\r\n    let iterations = 0;\r\n    while (iterations < BUSINESS_CONSTANTS.MAX_ITERATIONS && high - low > 0.01) {\r\n      const mid = (low + high) / 2;\r\n      if (cocrAtDown(mid) < targetCOCR) {\r\n        high = mid;\r\n      } else {\r\n        low = mid;\r\n      }\r\n      iterations++;\r\n    }\r\n    solvedDownPercent = (low + high) / 2;\r\n  }\r\n\r\n  const downPercent = Math.min(solvedDownPercent, maxDownPercent);\r\n  const downPaymentAmount = price * (downPercent / 100);\r\n  const sellerNoteAmount = price * ((100 - downPercent) / 100);\r\n  const monthlyPayment = sellerNoteAmount > 0 ? calculatePMT(sellerNoteAmount, interestRate, amortizationYears) : 0;\r\n  const annualDebtService = monthlyPayment * 12;\r\n  const annualCashFlow = noi - annualDebtService;\r\n\r\n  return {\r\n    annualCashFlow,\r\n    annualDebtService,\r\n    balloonBalance: calculateBalloonBalance(sellerNoteAmount, interestRate, amortizationYears, yearsBalloon),\r\n    capped: solvedDownPercent > maxDownPercent,\r\n    cashFlowYield: price > 0 ? (annualCashFlow / price) * 100 : 0,\r\n    cocr: downPaymentAmount > 0 ? (annualCashFlow / downPaymentAmount) * 100 : 0,\r\n    downPaymentAmount,\r\n    downPercent,\r\n    monthlyPayment,\r\n    sellerNoteAmount,\r\n    solvedDownPercent,\r\n    totalPaymentsToBalloon: annualDebtService * yearsBalloon,\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) : 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package/dist/index.js

@@ -1,2 +1,2 @@
-export{calculateAppreciatedValue,calculateAssignmentFee,calculateBalloonBalance,calculateCOCR30,calculateCOCRAtPercent,calculateCashFlow,calculateCashFlowYield,calculateCashOfferPrice,calculateCashOutAfterRefi,calculateDiscountFromPrice,calculateNOIByType,calculateNetToBuyer,calculatePMT,calculatePriceForCOCR,calculatePriceFromDiscount,calculateSTRNOI,equityPercentFromDebt,resolveListingFinancials,safePercentage}from"./financial/calculations.js";export{EQUITY_CARRY_TIERS,calculateEquityCarryScore}from"./financial/equity-carry.js";export{fetchDebt}from"./services/debt.js";export{formatCurrency,formatPercentage,formatPriceValue}from"./financial/formatters.js";export{calculateOriginalPrice,convertCapRateToDecimal,createExportObjectCore,formatDownPaymentPercent,mapPropertyType}from"./export/export-logic.js";export{calculateDOM,formatDate}from"./date/utilities.js";export{calculateCursorPosition,extractNumericValue,filterNumericInput,formatInputDisplay,formatLiveInput,formatLiveNumber,parseNumericInput}from"./formatting/financial-formatting.js";export{normalizeWhitespace}from"./formatting/text.js";export{CALCULATION_TOLERANCE,DEFAULT_CAP_RATE,DEFAULT_DOWN_PAYMENT,DEFAULT_DSCR_PERCENTAGE,DEFAULT_EQUITY_ESTIMATE,DEFAULT_INTEREST_RATE_TYPE,FINANCIAL_CONSTANTS,INTEREST_RATE_TIERS,MAX_ITERATIONS,SELLER_FI_AMORTIZATION,SELLER_FI_CARRY,SELLER_FI_DOWN_PAYMENT,SELLER_FI_INTEREST_RATE,determineInterestRateType}from"./config/financial.js";export{ASSISTED_LIVING,MULTIFAMILY,PROPERTY_TYPES,PROPERTY_TYPE_CONSTANTS,STR}from"./config/property-types.js";export{ASSIGNMENT_FEE_PERCENTAGE,BUSINESS_CONSTANTS,BUYER_AGENT_COMMISSION,CASH_OFFER_ASSIGNMENT_PERCENTAGE,CASH_OFFER_ROUNDING,CLOSING_COSTS_PERCENTAGE,CONSERVATIVE_COCR15_PRICE_MULTIPLIER,HARD_MONEY_RATE,MAX_COCR15_PRICE_MULTIPLIER,MINIMUM_COCR15_PRICE,NET_TO_BUYER_PERCENTAGE,REHAB_RATE,SELLER_AGENT_COMMISSION}from"./config/business.js";export{lookupLOI}from"./services/loi-lookup.js";export{LOI_LOOKUP_CONFIG,LOI_SENT_STATUS,MATCH_TYPES}from"./config/loi-lookup.js";export{getEnvVar,isBrowserEnvironment,isNodeEnvironment}from"./environment/utilities.js";const e="./dist/styles/base.css";export{e as STYLES_PATH};
+export{calculateAppreciatedValue,calculateAssignmentFee,calculateBalloonBalance,calculateCOCR30,calculateCOCRAtPercent,calculateCashFlow,calculateCashFlowYield,calculateCashOfferPrice,calculateCashOutAfterRefi,calculateDiscountFromPrice,calculateNOIByType,calculateNetToBuyer,calculatePMT,calculatePriceForCOCR,calculatePriceFromDiscount,calculateSTRNOI,calculateSellerFinanceOffer,equityPercentFromDebt,resolveListingFinancials,safePercentage}from"./financial/calculations.js";export{EQUITY_CARRY_TIERS,calculateEquityCarryScore}from"./financial/equity-carry.js";export{BUSINESS_UNDERWRITING_CONSTANTS,calculateBusinessDownPayment,calculateBusinessOffer,resolveBusinessEarnings,shouldIncludeRealEstate,underwriteBusinessListing}from"./financial/business-underwriting.js";export{fetchDebt}from"./services/debt.js";export{formatCurrency,formatPercentage,formatPriceValue}from"./financial/formatters.js";export{calculateOriginalPrice,convertCapRateToDecimal,createExportObjectCore,formatDownPaymentPercent,mapPropertyType}from"./export/export-logic.js";export{calculateDOM,formatDate}from"./date/utilities.js";export{calculateCursorPosition,extractNumericValue,filterNumericInput,formatInputDisplay,formatLiveInput,formatLiveNumber,parseNumericInput}from"./formatting/financial-formatting.js";export{normalizeWhitespace}from"./formatting/text.js";export{CALCULATION_TOLERANCE,DEFAULT_CAP_RATE,DEFAULT_DOWN_PAYMENT,DEFAULT_DSCR_PERCENTAGE,DEFAULT_EQUITY_ESTIMATE,DEFAULT_INTEREST_RATE_TYPE,FINANCIAL_CONSTANTS,INTEREST_RATE_TIERS,MAX_ITERATIONS,SELLER_FI_AMORTIZATION,SELLER_FI_CARRY,SELLER_FI_DOWN_PAYMENT,SELLER_FI_INTEREST_RATE,determineInterestRateType}from"./config/financial.js";export{ASSISTED_LIVING,MULTIFAMILY,PROPERTY_TYPES,PROPERTY_TYPE_CONSTANTS,STR}from"./config/property-types.js";export{ASSIGNMENT_FEE_PERCENTAGE,BUSINESS_CONSTANTS,BUYER_AGENT_COMMISSION,CASH_OFFER_ASSIGNMENT_PERCENTAGE,CASH_OFFER_ROUNDING,CLOSING_COSTS_PERCENTAGE,CONSERVATIVE_COCR15_PRICE_MULTIPLIER,HARD_MONEY_RATE,MAX_COCR15_PRICE_MULTIPLIER,MINIMUM_COCR15_PRICE,NET_TO_BUYER_PERCENTAGE,REHAB_RATE,SELLER_AGENT_COMMISSION,SELLER_FINANCE_MAX_DOWN_PERCENT}from"./config/business.js";export{lookupLOI}from"./services/loi-lookup.js";export{LOI_LOOKUP_CONFIG,LOI_SENT_STATUS,MATCH_TYPES}from"./config/loi-lookup.js";export{getEnvVar,isBrowserEnvironment,isNodeEnvironment}from"./environment/utilities.js";const e="./dist/styles/base.css";export{e as STYLES_PATH};
 //# sourceMappingURL=index.js.map

package/dist/index.js.map

@@ -1 +1 @@
-{"version":3,"file":"index.js","sources":["../src/index.js"],"sourcesContent":["/**\r\n * @archerjessop/utilities\r\n * Shared utilities for ArcherJessop property analysis tools\r\n */\r\n\r\n// Financial calculations\r\nexport { \r\n  calculateAppreciatedValue,\r\n  calculateAssignmentFee,\r\n  calculateBalloonBalance,\r\n  calculateCashFlow,\r\n  calculateCashFlowYield,\r\n  calculateCashOfferPrice,\r\n  calculateCashOutAfterRefi,\r\n  calculateCOCR30, \r\n  calculateCOCRAtPercent,\r\n  calculateDiscountFromPrice,\r\n  calculateNetToBuyer,\r\n  calculateNOIByType,\r\n  calculatePMT,\r\n  calculatePriceForCOCR,\r\n  calculatePriceFromDiscount,\r\n  calculateSTRNOI,\r\n  equityPercentFromDebt,\r\n  resolveListingFinancials,\r\n  safePercentage,\r\n} from \"./financial/calculations.js\";\r\n\r\n// Equity Carry scoring engine (pure; scores scraped listings into deal pools)\r\nexport { EQUITY_CARRY_TIERS, calculateEquityCarryScore } from \"./financial/equity-carry.js\";\r\n\r\n// Agnostic debt service (pure IO; Node + browser)\r\nexport { fetchDebt } from \"./services/debt.js\";\r\n\r\n// Financial formatters\r\nexport { formatCurrency, formatPriceValue, formatPercentage } from \"./financial/formatters.js\";\r\n\r\n// Export logic (pure export-object creation)\r\nexport {\r\n  calculateOriginalPrice,\r\n  convertCapRateToDecimal,\r\n  createExportObjectCore,\r\n  formatDownPaymentPercent,\r\n  mapPropertyType,\r\n} from \"./export/export-logic.js\";\r\n\r\n// Date utilities\r\nexport { calculateDOM, formatDate } from \"./date/utilities.js\";\r\n\r\n// Formatting utilities\r\nexport { \r\n  calculateCursorPosition,\r\n  extractNumericValue,\r\n  filterNumericInput,\r\n  formatInputDisplay,\r\n  formatLiveInput,\r\n  formatLiveNumber,\r\n  parseNumericInput\r\n} from \"./formatting/financial-formatting.js\";\r\n\r\n// Text formatting utilities\r\nexport { normalizeWhitespace } from \"./formatting/text.js\";\r\n\r\n// Configuration constants\r\nexport * from \"./config/financial.js\";\r\nexport * from \"./config/property-types.js\";\r\nexport * from \"./config/business.js\";\r\n\r\nexport const STYLES_PATH = \"./dist/styles/base.css\";\r\n\r\n// LOI Lookup service and config\r\nexport { lookupLOI } from \"./services/loi-lookup.js\";\r\nexport { LOI_LOOKUP_CONFIG, MATCH_TYPES, LOI_SENT_STATUS } from \"./config/loi-lookup.js\";\r\n\r\n// Environment utilities\r\nexport { \r\n  getEnvVar, \r\n  isNodeEnvironment, \r\n  isBrowserEnvironment \r\n} from \"./environment/utilities.js\";"],"names":["STYLES_PATH"],"mappings":"qkEAoEY,MAACA,EAAc"}
+{"version":3,"file":"index.js","sources":["../src/index.js"],"sourcesContent":["/**\r\n * @archerjessop/utilities\r\n * Shared utilities for ArcherJessop property analysis tools\r\n */\r\n\r\n// Financial calculations\r\nexport { \r\n  calculateAppreciatedValue,\r\n  calculateAssignmentFee,\r\n  calculateBalloonBalance,\r\n  calculateCashFlow,\r\n  calculateCashFlowYield,\r\n  calculateCashOfferPrice,\r\n  calculateCashOutAfterRefi,\r\n  calculateCOCR30, \r\n  calculateCOCRAtPercent,\r\n  calculateDiscountFromPrice,\r\n  calculateNetToBuyer,\r\n  calculateNOIByType,\r\n  calculatePMT,\r\n  calculatePriceForCOCR,\r\n  calculatePriceFromDiscount,\r\n  calculateSellerFinanceOffer,\r\n  calculateSTRNOI,\r\n  equityPercentFromDebt,\r\n  resolveListingFinancials,\r\n  safePercentage,\r\n} from \"./financial/calculations.js\";\r\n\r\n// Equity Carry scoring engine (pure; scores scraped listings into deal pools)\r\nexport { EQUITY_CARRY_TIERS, calculateEquityCarryScore } from \"./financial/equity-carry.js\";\r\n\r\n// Business-backed-by-real-estate underwriting (pure; offer range + collateral down payment)\r\nexport {\r\n  BUSINESS_UNDERWRITING_CONSTANTS,\r\n  calculateBusinessDownPayment,\r\n  calculateBusinessOffer,\r\n  resolveBusinessEarnings,\r\n  shouldIncludeRealEstate,\r\n  underwriteBusinessListing,\r\n} from \"./financial/business-underwriting.js\";\r\n\r\n// Agnostic debt service (pure IO; Node + browser)\r\nexport { fetchDebt } from \"./services/debt.js\";\r\n\r\n// Financial formatters\r\nexport { formatCurrency, formatPriceValue, formatPercentage } from \"./financial/formatters.js\";\r\n\r\n// Export logic (pure export-object creation)\r\nexport {\r\n  calculateOriginalPrice,\r\n  convertCapRateToDecimal,\r\n  createExportObjectCore,\r\n  formatDownPaymentPercent,\r\n  mapPropertyType,\r\n} from \"./export/export-logic.js\";\r\n\r\n// Date utilities\r\nexport { calculateDOM, formatDate } from \"./date/utilities.js\";\r\n\r\n// Formatting utilities\r\nexport { \r\n  calculateCursorPosition,\r\n  extractNumericValue,\r\n  filterNumericInput,\r\n  formatInputDisplay,\r\n  formatLiveInput,\r\n  formatLiveNumber,\r\n  parseNumericInput\r\n} from \"./formatting/financial-formatting.js\";\r\n\r\n// Text formatting utilities\r\nexport { normalizeWhitespace } from \"./formatting/text.js\";\r\n\r\n// Configuration constants\r\nexport * from \"./config/financial.js\";\r\nexport * from \"./config/property-types.js\";\r\nexport * from \"./config/business.js\";\r\n\r\nexport const STYLES_PATH = \"./dist/styles/base.css\";\r\n\r\n// LOI Lookup service and config\r\nexport { lookupLOI } from \"./services/loi-lookup.js\";\r\nexport { LOI_LOOKUP_CONFIG, MATCH_TYPES, LOI_SENT_STATUS } from \"./config/loi-lookup.js\";\r\n\r\n// Environment utilities\r\nexport { \r\n  getEnvVar, \r\n  isNodeEnvironment, \r\n  isBrowserEnvironment \r\n} from \"./environment/utilities.js\";"],"names":["STYLES_PATH"],"mappings":"i1EA+EY,MAACA,EAAc"}

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@archerjessop/utilities",
-  "version": "7.29.1",
+  "version": "7.31.0",
   "description": "Shared utilities for ArcherJessop property analysis tools",
   "type": "module",
   "main": "dist/index.js",