Affordability primarily limited by: ${limitingFactor}

`; if (affordableSecondMortgage > 0) { outputHTML += ``; outputHTML += `

Estimated Payments & Resulting Ratios

`; outputHTML += `

Est. Monthly P&I for 2nd Mortgage: $${fNum(affordableSecondMortgagePI)}

`; outputHTML += `

Total Monthly Housing Payment (1st P&I + 2nd P&I + T&I + HOA): $${fNum(totalMonthlyHousingPayment)}

`; outputHTML += `

Resulting Combined LTV (CLTV): ${fNum(finalCLTV,1)}%

`; outputHTML += `

Resulting Back-End DTI: ${fNum(finalDTI,1)}%

`; } else { outputHTML += resultMessage; } outputHTML += `

This is an estimate. Lenders have varying requirements (e.g., credit score, property type) not factored here. Property taxes and insurance are estimates. Consult a financial advisor and lender for personalized advice.

`; this.elements.analysisOutput.innerHTML = outputHTML; if(this.elements.pdfDownloadContainer) this.elements.pdfDownloadContainer.style.display = 'block'; this.navigateToTab('SmaAnalysisTab', 'smaAnalysisTabButton'); }, downloadPdf: function() { try { if (typeof window.jspdf === 'undefined' || typeof window.jspdf.jsPDF === 'undefined') { alert('PDF generation library (jsPDF core) is not loaded.'); return; } const { jsPDF: JSPDF_CONSTRUCTOR } = window.jspdf; const doc = new JSPDF_CONSTRUCTOR(); if (typeof doc.autoTable !== 'function') { alert('PDF generation plugin (jsPDF-Autotable) is not loaded.'); return; } if (!this.calculatedData || Object.keys(this.calculatedData).length === 0 || !this.calculatedData.inputs) { alert('Error: Calculation data missing for PDF.'); return; } const data = this.calculatedData; const inputs = data.inputs; // Contains original string values from elements const fNum = (num,dec=0) => (typeof num !== 'number' || isNaN(num) || !isFinite(num)) ? 'N/A' : num.toLocaleString(undefined, {minimumFractionDigits:dec, maximumFractionDigits:dec}); doc.setFontSize(16); doc.text("Second Mortgage Affordability Analysis", 14, 22); doc.setFontSize(10); doc.text(`Report Generated: ${new Date().toLocaleDateString('en-US', {day:'2-digit', month: 'short', year: 'numeric' })}`, 14, 30); let currentY = 45; const addSectionTable = (title, sectionData, highlightIndex = -1) => { doc.setFontSize(12); doc.setFont(undefined, 'bold'); doc.setTextColor('#313c4e'); doc.text(title, 14, currentY); currentY += 7; doc.autoTable({ body: sectionData, startY: currentY, theme: 'grid', styles: {fontSize: 9, cellPadding: 2.5, textColor: '#1f2937', font: 'helvetica'}, columnStyles: { 0: { fontStyle: 'bold', cellWidth: 90, fillColor: '#f0f5ff' }, 1: { halign: 'right', cellWidth: 'auto'} }, didParseCell: (hookData) => { if (hookData.row.index === highlightIndex) { hookData.cell.styles.fontStyle = 'bold'; hookData.cell.styles.fontSize = 10; hookData.cell.styles.textColor = '#4338ca'; // Indigo for result } } }); currentY = doc.lastAutoTable.finalY + 10; }; addSectionTable("Key Inputs Summary", [ ["Property Value:", `$${fNum(data.propertyValue)}`], ["1st Mortgage Balance:", `$${fNum(data.firstMortgageBalance)}`], ["1st Mortgage P&I:", `$${fNum(data.firstMortgagePI)}`], ["Gross Monthly Income:", `$${fNum(data.grossMonthlyIncome)}`], ["Other Monthly Housing Costs (Taxes, Ins, HOA):", `$${fNum(data.monthlyTaxesInsHOA)}`], ["Other Non-Housing Debts:", `$${fNum(data.totalNonHousingDebts)}`], ["2nd Mortgage Rate / Term:", `${fNum(data.secondMortgageRate,2)}% / ${data.secondMortgageTerm} Yrs`], ["Max CLTV / DTI Limits:", `${fNum(data.maxCLTV_input,1)}% / ${fNum(data.maxDTI_input,1)}%`] ]); if (data.affordableSecondMortgage > 0) { addSectionTable("Affordability Calculation Summary", [ ["Max 2nd Mortgage by CLTV:", `$${fNum(data.maxSecondMortgageByCLTV)}`], ["Max 2nd Mortgage by DTI (from P&I allowance):", `$${fNum(data.maxSecondMortgageByDTI)}`], ["Limiting Factor:", data.limitingFactor], ["Estimated Affordable 2nd Mortgage:", `$${fNum(data.affordableSecondMortgage)}`], ["Est. P&I for 2nd Mortgage:", `$${fNum(data.affordableSecondMortgagePI)}`], ["Total Monthly Housing Payment (All Incl.):", `$${fNum(data.totalMonthlyHousingPayment)}`], ["Resulting CLTV:", `${fNum(data.finalCLTV,1)}%`], ["Resulting Back-End DTI:", `${fNum(data.finalDTI,1)}%`] ], 3); // Highlight Affordable 2nd Mortgage line } else { doc.setFontSize(10); doc.setTextColor('#b91c1c'); doc.text(`Based on inputs, a second mortgage may not be affordable. Limiting factor: ${data.limitingFactor}.`, 14, currentY); currentY += 7; doc.text(`Max loan by CLTV: $${fNum(data.maxSecondMortgageByCLTV)}, Max loan by DTI: $${fNum(data.maxSecondMortgageByDTI)}.`, 14, currentY); currentY += 10; } doc.setFontSize(9); doc.setTextColor('#475569'); const finalNote = "This is an estimate. Actual affordability depends on lender verification, creditworthiness, property appraisal, and market conditions. Consult with a financial advisor and lender for personalized advice."; const splitNote = doc.splitTextToSize(finalNote, doc.internal.pageSize.width - 28); if (currentY > doc.internal.pageSize.height - 40) { doc.addPage(); currentY = 20; } doc.text(splitNote, 14, currentY); doc.save("Second_Mortgage_Affordability.pdf"); } catch (error) { console.error("PDF Generation Error:", error); alert("An error occurred while generating the PDF: " + error.message + "\nPlease check the console (F12)."); } } }; document.addEventListener('DOMContentLoaded', function() { smaApp.init(); });