{
  "version": "2026-10-31",
  "description": "Hypothetical public editorial fixtures, not customer data or market-rate observations",
  "housing": {
    "inputs": {
      "rent": 2400,
      "rentGrowth": 0.03,
      "price": 400000,
      "down": 40000,
      "rate": 0.064,
      "term": 30,
      "years": 10,
      "tax": 4800,
      "insurance": 1800,
      "hoa": 0,
      "maintenance": 0.01,
      "buyClosing": 0.03,
      "selling": 0.06,
      "appreciation": 0.03,
      "pmi": 0,
      "pmiMonths": 0,
      "renterInsurance": 0,
      "costGrowth": 0,
      "investmentReturn": 0.04
    },
    "expected": {
      "monthly": 2251.82127333944,
      "startCash": 52000,
      "rows": [
        {
          "year": 1,
          "rentSpent": 28800,
          "buyNetCost": 58241.09731646947,
          "balance": 355899.2420363962,
          "homeValue": 412000,
          "saleEquity": 31380.757963603828,
          "renterPortfolio": 63062.444000836236,
          "buyerPortfolio": 0,
          "buyerWealth": 31380.757963603828,
          "advantage": -31681.686037232408
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        {
          "year": 2,
          "rentSpent": 58464,
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          "balance": 351528.1985550203,
          "homeValue": 424360,
          "saleEquity": 47370.20144497964,
          "renterPortfolio": 73687.65793004989,
          "buyerPortfolio": 0,
          "buyerWealth": 47370.20144497964,
          "advantage": -26317.456485070245
        },
        {
          "year": 3,
          "rentSpent": 89017.92000000004,
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          "balance": 346869.0547368156,
          "homeValue": 437090.8,
          "saleEquity": 63996.29726318433,
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          "buyerPortfolio": 0,
          "buyerWealth": 63996.29726318433,
          "advantage": -19835.46348664195
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        {
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          "homeValue": 450203.52400000003,
          "saleEquity": 81288.49099181022,
          "renterPortfolio": 93448.32442578982,
          "buyerPortfolio": 0,
          "buyerWealth": 81288.49099181022,
          "advantage": -12159.833433979598
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          "year": 5,
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          "buyNetCost": 140831.48291211305,
          "balance": 336609.25844854704,
          "homeValue": 463709.62972,
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          "buyerPortfolio": 0,
          "buyerWealth": 99277.79348825297,
          "advantage": -3210.4548062369868
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        {
          "year": 6,
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          "homeValue": 477620.91861160006,
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          "advantage": 7097.245105099879
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        {
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          "homeValue": 491949.54616994807,
          "saleEquity": 137480.15177912475,
          "renterPortfolio": 118627.6165997856,
          "buyerPortfolio": 0,
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          "advantage": 18852.535179339146
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        {
          "year": 8,
          "rentSpent": 256099.2781321116,
          "buyNetCost": 195210.93042899825,
          "balance": 318541.6387901566,
          "homeValue": 506708.03255504655,
          "saleEquity": 157763.91181158717,
          "renterPortfolio": 125614.28402512602,
          "buyerPortfolio": 0,
          "buyerWealth": 157763.91181158717,
          "advantage": 32149.627786461147
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        {
          "year": 9,
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          "buyNetCost": 211710.2945348582,
          "balance": 311708.31413399574,
          "homeValue": 521909.273531698,
          "saleEquity": 178886.40298580035,
          "renterPortfolio": 131798.46387863936,
          "buyerPortfolio": 0,
          "buyerWealth": 178886.40298580035,
          "advantage": 47087.939107160986
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        {
          "year": 10,
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          "buyNetCost": 227330.59161785204,
          "balance": 304424.5974505103,
          "homeValue": 537566.5517376489,
          "saleEquity": 200887.96118287963,
          "renterPortfolio": 137115.59802938733,
          "buyerPortfolio": 0,
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      ],
      "final": {
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        "balance": 304424.5974505103,
        "homeValue": 537566.5517376489,
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        "buyerPortfolio": 0,
        "buyerWealth": 200887.96118287963,
        "advantage": 63772.363153492304
      },
      "firstBuyerLead": 6
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  },
  "auto": {
    "inputsA": {
      "price": 30000,
      "tax": 0,
      "fees": 500,
      "upfrontFees": 0,
      "down": 3000,
      "trade": 0,
      "payoff": 0,
      "rebate": 0,
      "rate": 0.06,
      "months": 48
    },
    "inputsB": {
      "price": 30000,
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      "fees": 1500,
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      "down": 3000,
      "trade": 0,
      "payoff": 0,
      "rebate": 0,
      "rate": 0.04,
      "months": 72
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    "expectedA": {
      "principal": 27500,
      "monthly": 645.8382988182296,
      "loanPaid": 31000.23834327502,
      "interest": 3500.238343275021,
      "upfront": 3000,
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      "tradeEquity": 0
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    "expectedB": {
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      "monthly": 445.8877175674613,
      "loanPaid": 32103.915664857217,
      "interest": 3603.915664857217,
      "upfront": 3000,
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      "tradeEquity": 0
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  },
  "savings": {
    "initial": 5000,
    "months": 120,
    "timing": "end",
    "cases": [
      {
        "monthly": 250,
        "apy": 0.02,
        "expected": 39244.17579647901
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      {
        "monthly": 350,
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      },
      {
        "monthly": 250,
        "apy": 0.04,
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    ]
  }
}