Commercial Property Loan Affordability Calculator

Step 1: Income & Property Operational Details

Total income generated before any expenses.
Excludes property taxes, insurance, and loan payments for this property.
E.g., maintenance, non-tenant utilities, management fees if applicable.

Step 2: Loan Preferences & Down Payment

Lenders typically require 1.20x-1.50x. (NOI / Annual Loan Payment)

Step 3: Affordability Results

Estimated Affordable Property Price:

${cpla_formatCurrency(data.affordablePropertyPrice)}

`; breakdownDiv.innerHTML = `

Estimated Monthly Property Costs

Principal & Interest (P&I): ${cpla_formatCurrency(data.monthlyPI)}

Property Taxes (Monthly): ${cpla_formatCurrency(data.monthlyTaxes)}

Property Insurance (Monthly): ${cpla_formatCurrency(data.monthlyInsurance)}

Other Expenses (Monthly): ${cpla_formatCurrency(data.monthlyOtherPropEx)}

Total Estimated Monthly Outlay: ${cpla_formatCurrency(data.totalMonthlyOutlay)}

`; } function cpla_generatePDF() { if (typeof window.jspdf === 'undefined' || typeof window.jspdf.jsPDF === 'undefined') { alert('PDF generation library (jsPDF) is not loaded.'); console.error('CPLA Error: window.jspdf or window.jspdf.jsPDF is not defined.'); document.getElementById('cpla-tab2-error').textContent = 'Error: PDF library (jsPDF) not loaded.'; return; } const JSPDF_CONSTRUCTOR = window.jspdf.jsPDF; const tempDoc = new JSPDF_CONSTRUCTOR(); if (typeof tempDoc.autoTable !== 'function') { alert('jsPDF AutoTable plugin is not loaded.'); console.error('CPLA Error: autoTable function not found on jsPDF instance.'); document.getElementById('cpla-tab2-error').textContent = 'Error: PDF AutoTable plugin not loaded.'; return; } if (Object.keys(cpla_affordabilityData).length === 0 || cpla_affordabilityData.error) { alert('Please calculate valid affordability details first or correct inputs.'); document.getElementById('cpla-tab2-error').textContent = 'Calculate valid results first to generate PDF.'; return; } document.getElementById('cpla-tab2-error').textContent = ''; const doc = new JSPDF_CONSTRUCTOR(); const data = cpla_affordabilityData; const cellColor = '#007bff'; const textColor = '#ffffff'; const headingColor = '#0056b3'; let yPos = 15; doc.setFontSize(18); doc.setTextColor(headingColor); doc.text("Commercial Property Loan Affordability Report", 105, yPos, { align: 'center' }); yPos += 12; // Inputs Section doc.setFontSize(14); doc.setTextColor(headingColor); doc.text("Your Inputs", 14, yPos); yPos += 7; doc.setFontSize(10); const inputDataForPdf = [ ["Annual Gross Income:", cpla_formatCurrency(data.annualGrossIncome)], ["Annual Operating Expenses (excl. prop specific):", cpla_formatCurrency(data.annualOpEx)], ["Annual Property Taxes:", cpla_formatCurrency(data.annualTaxes)], ["Annual Property Insurance:", cpla_formatCurrency(data.annualInsurance)], ["Other Annual Property Expenses:", cpla_formatCurrency(data.annualOtherPropEx)], ["Down Payment Amount:", cpla_formatCurrency(data.downPayment)], ["Annual Interest Rate:", `${data.annualInterestRate.toFixed(2)}%`], ["Loan Term (Years):", `${data.loanTermYears} years`], ["Desired DSCR:", `${data.dscr.toFixed(2)}x`] ]; doc.autoTable({ startY: yPos, body: inputDataForPdf, theme: 'grid', styles: { fontSize: 9, cellPadding: 2 }, headStyles: { fillColor: cellColor, textColor: textColor, fontStyle: 'bold' }, columnStyles: { 0: { fontStyle: 'bold' } } }); yPos = doc.lastAutoTable.finalY + 10; // Affordability Summary Section doc.setFontSize(14); doc.setTextColor(headingColor); doc.text("Affordability Summary", 14, yPos); yPos += 7; const summaryDataForPdf = [ ["Net Operating Income (NOI):", cpla_formatCurrency(data.netOperatingIncome)], ["Max. Affordable Annual Debt Service:", cpla_formatCurrency(data.maxAnnualDebtService)], ["Max. Affordable Monthly P&I Payment:", cpla_formatCurrency(data.maxMonthlyDebtService)], ["Estimated Maximum Loan Amount:", cpla_formatCurrency(data.maxLoanAmount)], [{content: "Estimated Affordable Property Price:", styles: {fontStyle: 'bold', fontSize: 11, halign: 'center'}}, {content: cpla_formatCurrency(data.affordablePropertyPrice), styles: {fontStyle: 'bold', fontSize: 11, halign: 'center', textColor: [40, 167, 69]}}], // Green highlight ]; doc.autoTable({ startY: yPos, body: summaryDataForPdf, theme: 'grid', styles: { fontSize: 9, cellPadding: 2 }, columnStyles: { 0: { fontStyle: 'bold'} }, didParseCell: function (hookData) { if (hookData.row.index === 4) { // Special styling for the 'Estimated Affordable Property Price' row hookData.cell.styles.fontStyle = 'bold'; hookData.cell.styles.fontSize = 11; hookData.cell.styles.halign = 'center'; if(hookData.column.index === 1) hookData.cell.styles.textColor = [40, 167, 69]; // Green } } }); yPos = doc.lastAutoTable.finalY + 10; // Monthly Breakdown Section doc.setFontSize(14); doc.setTextColor(headingColor); doc.text("Estimated Monthly Property Costs", 14, yPos); yPos += 7; const breakdownDataForPdf = [ ["Principal & Interest (P&I):", cpla_formatCurrency(data.monthlyPI)], ["Property Taxes (Monthly):", cpla_formatCurrency(data.monthlyTaxes)], ["Property Insurance (Monthly):", cpla_formatCurrency(data.monthlyInsurance)], ["Other Property Expenses (Monthly):", cpla_formatCurrency(data.monthlyOtherPropEx)], [{content: "Total Estimated Monthly Outlay:", styles: {fontStyle: 'bold'}}, {content: cpla_formatCurrency(data.totalMonthlyOutlay), styles: {fontStyle: 'bold'}}], ]; doc.autoTable({ startY: yPos, body: breakdownDataForPdf, theme: 'grid', styles: { fontSize: 9, cellPadding: 2 }, columnStyles: { 0: { fontStyle: 'bold'} }, didParseCell: function (hookData) { if (hookData.row.index === 4) { // Total row hookData.cell.styles.fontStyle = 'bold'; hookData.cell.styles.fillColor = [233, 236, 239]; // Light gray background like .cpla-result-item } } }); doc.save("Commercial_Property_Loan_Affordability_Report.pdf"); }
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