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com_p=0;while(changw>ex_act&&com_p=ex_act){return Number.NaN;}else{return x;};};function de_tail(form){recalc_onclick(form);var part1 = ("Hard Money Investment Property Analysis" + "");var part2 = ("
");var row1 = "";var row2 = "";var row3 = "";var row4 = "";var row5 = "";var row6 = "";var row7 = "";var row8 = "";var row9 = "";var row10 = "";var spacer1 = "";var row11 = "";var row12 = "";var row13 = "";var row14 = "";var row15 = "";var row16 = "";var row17 = "";var row18 = "";var row19 = "";var row20 = "";var row21 = "";var row22 = "";var summary = "";var part4 = ("

Hard Money Investment Property Analysis
 
2nd Mortgage Adjustment" + (form.second_mult.value) + " Down Payment %" + (form.dp_per_cent.value) + "
Down Payment Adjustment" + (form.down_mult.value) + " Interest Rate Base" + (form.int_base.value) + "
Loan To Value Adjustment" + (form.ltv_multi.value) + " Base Loan To Value" + (form.base_ltv.value) + "
Interest Rate Adjustment" + (form.int_mult.value) + " Months to Pay Off" + (form.pay_off.value) + "
Borrower Credit Adjustment" + (form.credit_rate.value) + " Amortization Period" + (form.amort_per.value) + "
Existing First Mortgage$" + (form.ex_first.value) + " Down Payment$" + (form.down_pay.value) + "
Invested Principal$" + (form.invprincipal.value) + " Actual Interest Rate" + (form.act_int_rate.value) + "
Loan Charges$" + (form.mtg_char.value) + " Annual Percentage Rate" + (form.apr_rate.value) + "
Property Value
$" + (form.fair_val.value) + "
       
Property Value
$" + (form.fair_val_min.value) + "
Balloon Amount$" + (form.bal_amt.value) + " Balloon Amount$" + (form.bal_amt_min.value) + "
Net Cash to Borrower$" + (form.bor_net.value) + " Net Cash to Borrower$" + (form.bor_net_min.value) + "
Amount Financed$" + (form.amt_financed.value) + " Amount Financed$" + (form.amt_financed_min.value) + "
New Mortgage$" + (form.new_mtg_amt.value) + " New Mortgage$" + (form.new_mtg_amt_min.value) + "
Finance Charge$" + (form.fin_charge.value) + " Finance Charge$" + (form.fin_charge_min.value) + "
Monthly Payments$" + (form.mon_payments.value) + " Monthly Payments$" + (form.mon_payments_min.value) + "
Annual Payments$" + (form.annual_pymt.value) + " Annual Payments$" + (form.annual_pymt_min.value) + "
Total of Payments$" + (form.tot_payments.value) + " Total of Payments$" + (form.tot_payments_min.value) + "
Investment Costs$" + (form.inv_cost.value) + " Investment Costs$" + (form.inv_cost_min.value) + "
Price Per Sq. Ft.$" + (form.p_sq_ft.value) + " Price Per Sq. Ft.$" + (form.p_sq_ft_min.value) + "
   
Please allow for slight rounding differences.

");var schedule = (part1 + "" + part2 + "" + row1 + "" + row2 + "" + row3 + "" + row4 + "" + row5 + "" + row6 + "" + row7 + "" + row8 + "" + row9 + "" + row10 + "" + spacer1 + "" + row11 + "" + row12 + "" + row13 + "" + row14 + "" + row15 + "" + row16 + "" + row17 + "" + row18 + "" + row19 + "" + row20 + "" + row21 + "" + row22 + "" + summary + "" + part4 + "");reportWin = window.open("","","width=600,height=540,toolbar=no,menubar=yes,scrollbars=yes");reportWin.document.write(schedule);reportWin.document.close();}function reCalculateKt(changedObj) {ktArray = new Array();refreshVariables();displayValues();}function displayValues(){for (var fieldId in ktArray["summary"]) {var fieldObj = document.getElementById(fieldId);}}var helpTexts = new Array();helpTexts["fm_val"] = "The property value is the fair market value price at which the property would change hands between a willing buyer and a willing seller, neither being under any compulsion to buy or to sell and both having reasonable knowledge of relevant facts.";helpTexts["ex_mtg"] = "Do not include mortgages that will be paid off with this new loan. Learn how to use this calculator by starting with a 0 existing first mortgage (you are then loaning a first mortgage), keep the minimum base LTV at 60%, borrower credit adjustment at 0 and the loan to value adjustment as they are set. Then see the effect of having a first mortgage balance and of changing the credit rating of the borrower. Then try different adjustments and see the effect they have.";helpTexts["d_p"] = "Cash buyer will be putting down. The main purpose of a down payment is to ensure that the lender can recover the balance due on the loan in the event that the borrower defaults. By requiring a down payment in advance, the lender greatly increases the chance that any such future sale would be able to cover the full amount of the loan, because such a sale only requires the lender to recover the difference between the original selling price and the amount of the down payment.";helpTexts["am_per"] = "How many months to amortize the loan (enter 2,000 for interest only)";helpTexts["mtg_mon"] = "This is the number of months you are financing the property for.";helpTexts["min_ltv"] = "We allow a safe LTV for terrible credit of 60%. You can increase or reduce this as you wish. Want to be more or less conservative about the LTV, perhaps this is commercial or vacant land? Just change the number. We increase the safe LTV by adding on the 0 to 10 credit rating. You can increase or reduce that if you wish. For example: If the borrower has a credit rating of 5 we increase the maximum LTV allowed from 60 to 65%. Want to be more or less conservative about the effect of the credit rating on the LTV? Just change the adjustment from 1. Example: If you set this adjustment at 1.5 then in the above secario you would allow an LTV of 60 + 7.5 = 67.5%. If you set this adjustment at 0.5 then in the above scenario you would allow an LTV of 60 + 2.5 = 62.5%.";helpTexts["point_s"] = "Discount points are paid up front in order to reduce the interest rate of your mortgage. Origination points are what a lending institution charges for processing and originating a loan. Each point represents 1% of your mortgage balance.";helpTexts["app_rais"] = " Charges payable to a qualified appraiser for estimating the market value of a property, as a fixed fee or one based on a percentage of the estimated value.";helpTexts["sur_vey"] = "Most lenders require a survey. The survey determines that there are no encroachments within the property lines and shows where the house is located on the property. The survey can also determine whether the location is under the threat of any natural calamity. Depending on the size of the property and state, the fees can vary from $225 to $400.";helpTexts["mi_sc"] = "Miscellaneous fees such as document preperation, pest inspection, notary, attorney, credit report, etc.";helpTexts["cred_rat"] = "You can increase the minimum LTV by adding on the 0 to 10 borrow credit rating. For example: If the borrower has a credit rating of 5 we increase the maximum LTV allowed from 60 to 65%. Want to be more or less conservative about the effect of the credit rating on the LTV? Just change the adjustment from 1 to 1.5.";helpTexts["sec_mult"] = "Sophisticated investors may want to change the 2nd mortgage adjustment, but it is perfectly fine to leave alone. To calculate the total mortgage you would give on this property then you need to subtract the amount of the first mortgage. Being a little more conservative, you can multiply the first mortgage amount by 1.3 to provide a safety zone if you have to make the first mortgages payments whle foreclosing the mortgage. Want to be more conservative about writing behind a first mortgage? Then increase the adjustment to 1.5. Want to be less conservative, then reduce the adjustment to 1.0.";helpTexts["rate_mult"] = "You can reduce the base interest rate from 15% by an adjustment of the credit rating. You can change the base interest rate and this adjustment. For this example: if the borrower has perfect credit (10) then we reduce the interest rate from 15% to 10%. If however you change the interest rate adjustment to 10 then under the same circumstances the interest rate would only go down from 15% to 14%. Likewise, if you change the interest rate adjustment to 1, then, under the same circumstances the interest rate would go down from 15% to 5%. The interest rate will also go down if the down payment goes up due to the reduced risk to the lender. The interest rate and down payment adjustment will control the effect of this. Second mortgages should have a higher interest rates than first mortgages.";helpTexts["ltv_mult"] = "Loan to value adjustment for good credit rating (0 for more conservative up to 2 for riskier).";helpTexts["dp_mult"] = "You can increase the LTV based on the percentage cash down payment made by the borrower. Someone who has put down, say 20% cash, is much less likely to walk away from the loan than someone with no cash invested. So if you would loan 65% with zero cash down, we think you should lend 75% with 10% cash down, other things being equal. Never loan more than the value of the property.";helpTexts["rate_base"] = "Nominal base interest rate for terrible credit. Set from 8 to 20% (be aware of usury laws)";helpTexts["tot_sq_ft"] = "The property's total square feet is the property's living space and not garages, patios, sheds, etc.";helpTexts["act_rate"] = "Actual interest rate that you will ask for as a lender.";helpTexts["a_p_r"] = "Annual percentage rate (APR). This rate is always higher than your note rate. (In fact, the only way to have this rate the same as your note rate would be to pay all your associated loan costs in cash.) The APR simply represents the cost of the loan, including all costs financed into the loan. This rate is not the rate that your payments are based on.";helpTexts["dp_per"] = "Down Payment Percent is equal to the purchase price minus the down payment divided by 100.";helpTexts["inv_principal"] = "The invested principal equals the down payment and loan charges.";helpTexts["tit_fee"] = "Title insurance and escrow fees vary slightly from one company to another.";helpTexts["point_amt"] = "The cost of buying is total principal, interest, closing cost, property taxes, homeowners insurance, mortgage insurance, association fees, maintenance fees and expenses minus the home buyer tax credit, appreciation and propety tax benefits over the number of years specified.";helpTexts["rec_fee"] = "Mortgage and deed filing fees vary slightly from one company to another.";helpTexts["mtg_char"] = "These are the loan expenses. Points, title, recording, survey, appraisal and miscellaneous fees.";helpTexts["bal_loon"] = "Balloon mortgage amount (if any).";helpTexts["net_cash"] = "Net cash loan to the borrower.";helpTexts["amt_fin"] = "Borrower's loan amount financed.";helpTexts["fin_char"] = "Combined finance charges for the loan.";helpTexts["new_mtg"] = "New mortgage that would be safe to give, the money you should loan.";helpTexts["mon_pmt"] = "Monthly payment amount for the loan.";helpTexts["annual_mort"] = "The annual payments are equal to the monthly principal and interest payments times twelve.";helpTexts["tot_pmts"] = "Total combined payments for the loan.";helpTexts["pr_sq_ft"] = "The price per square foot of the property. 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