Error: Tool components missing.

"; return; } if (this.elements.downloadPdfButton) { this.elements.downloadPdfButton.addEventListener('click', this.downloadPdf.bind(this)); } }, _validateInput: function(element, isRequired = true, isRate = false, isPercent = false, minVal = 0, maxVal = Infinity) { if (!element) return true; element.classList.remove('error'); const errorContainer = element.closest('.sma-form-group') || element.parentNode; const existingErrorMsg = errorContainer.querySelector('.sma-error-message'); if (existingErrorMsg) existingErrorMsg.remove(); const valueStr = element.value.trim(); if (isRequired && valueStr === '') { this._addErrorMessage(element, 'This field is required.'); return false; } if (valueStr === '' && !isRequired) return true; const value = parseFloat(valueStr); let errorMsgText = ''; if (isNaN(value)) errorMsgText = 'Please enter a valid number.'; else if (value < minVal) errorMsgText = `Value must be at least ${minVal}.`; else if (value > maxVal) errorMsgText = `Value must be no more than ${maxVal}.`; if (isRate && (value <= 0 || value > 50) && errorMsgText === '') errorMsgText = 'Rate must be > 0 and reasonable (e.g., < 50%).'; if (isPercent && (value <=0 || value > 100) && errorMsgText === '') errorMsgText = 'Percentage must be between 0 (exclusive where appropriate) and 100.'; if (errorMsgText !== '') { this._addErrorMessage(element, errorMsgText); return false; } return true; }, _addErrorMessage: function(element, message) { element.classList.add('error'); const errorMsgEl = document.createElement('p'); errorMsgEl.className = 'sma-error-message'; errorMsgEl.textContent = message; let parent = element.closest('.sma-form-group') || element.parentNode; parent.appendChild(errorMsgEl); }, openTab: function(event, tabName) { /* Standard openTab */ if (!this.elements.tabContents || !this.elements.tabLinks) return; this.elements.tabContents.forEach(tc => tc.style.display = "none"); this.elements.tabLinks.forEach(tl => tl.classList.remove("active")); const selectedTabContent = document.getElementById(tabName); if (selectedTabContent) selectedTabContent.style.display = "block"; const buttonToActivate = event ? event.currentTarget : Array.from(this.elements.tabLinks).find(btn => btn.getAttribute('onclick').includes(tabName)); if (buttonToActivate) buttonToActivate.classList.add("active"); }, navigateToTab: function(tabName, buttonIdToActivate) { /* Standard navigateToTab */ this.openTab(null, tabName); const buttonElement = this.elements[buttonIdToActivate] || document.getElementById(buttonIdToActivate); if (buttonElement) { this.elements.tabLinks.forEach(tl => tl.classList.remove("active")); buttonElement.classList.add("active"); } else { // Fallback if buttonIdToActivate is just the name of the element key const fallbackButton = Array.from(this.elements.tabLinks).find(btn => btn === this.elements[buttonIdToActivate.replace('TabButton', 'TabButton')]); // Heuristic if (fallbackButton) { this.elements.tabLinks.forEach(tl => tl.classList.remove("active")); fallbackButton.classList.add("active"); } } }, validateAndNavigate: function(currentTabId, nextTabId, nextTabButtonId, requiredFieldIds) { let allValid = true; requiredFieldIds.forEach(id => { const field = this.elements[id]; // Assuming IDs match element keys if (field) { let min = (id === 'smaPropertyValue' || id === 'smaGrossMonthlyIncome') ? 1 : 0; allValid = this._validateInput(field, true, false, false, min) && allValid; } else { console.warn(`Validation: Field ${id} not found in elements map.`); } }); // Special validation for first mortgage balance vs property value if (this.elements.propertyValue && this.elements.firstMortgageBalance) { const propVal = parseFloat(this.elements.propertyValue.value); const firstMortBal = parseFloat(this.elements.firstMortgageBalance.value); if (!isNaN(propVal) && !isNaN(firstMortBal) && firstMortBal >= propVal) { allValid = false; this._addErrorMessage(this.elements.firstMortgageBalance, "First mortgage balance must be less than property value."); } } // Also validate non-required debt fields if they have values const debtFields = ['monthlyCarPayment', 'monthlyStudentLoanPayment', 'monthlyCreditCardPayment', 'otherMonthlyDebtPayments', 'annualPropertyTax', 'annualHomeInsurance', 'monthlyHOAFees']; debtFields.forEach(id => { const field = this.elements[id]; if (field && field.value.trim() !== '') { allValid = this._validateInput(field, false, false, false, 0) && allValid; } }); const nextTabButton = this.elements[nextTabButtonId]; if (allValid) { if (nextTabButton) nextTabButton.disabled = false; this.navigateToTab(nextTabId, nextTabButtonId); } else { if (nextTabButton) nextTabButton.disabled = true; const currentTabButtonElementId = currentTabId.replace('Tab', 'TabButton'); // e.g., SmaFinancialsTab -> smaFinancialsTabButton this.navigateToTab(currentTabId, currentTabButtonElementId); } }, _calculateEMI: function(principal, annualRate, termYears) { /* Standard EMI */ const termMonths = termYears * 12; if (principal <= 0 || termMonths <= 0) return 0; if (annualRate <= 0) return principal / termMonths; const monthlyRate = annualRate / 12 / 100; const denominator = Math.pow(1 + monthlyRate, termMonths) - 1; if (denominator === 0) return principal / termMonths; const emi = principal * monthlyRate * Math.pow(1 + monthlyRate, termMonths) / denominator; return isNaN(emi) || !isFinite(emi) ? 0 : emi; }, _calculatePrincipalFromEMI: function(monthlyPayment, annualRate, termYears) { const termMonths = termYears * 12; if (monthlyPayment <= 0 || termMonths <= 0) return 0; if (annualRate <= 0) return monthlyPayment * termMonths; // If no interest, principal is total payments const monthlyRate = annualRate / 12 / 100; if (monthlyRate === 0) return monthlyPayment * termMonths; // Should be caught by annualRate <=0 but good to have const principal = monthlyPayment * ( (Math.pow(1 + monthlyRate, termMonths) - 1) / (monthlyRate * Math.pow(1 + monthlyRate, termMonths)) ); return isNaN(principal) || !isFinite(principal) ? 0 : principal; }, calculateAffordability: function() { // Validate Tab 2 inputs first let termsValid = true; termsValid = this._validateInput(this.elements.secondMortgageInterestRate, true, true) && termsValid; termsValid = this._validateInput(this.elements.maxCLTVPercent, true, false, true, 50, 100) && termsValid; termsValid = this._validateInput(this.elements.maxBackEndDTIPercent, true, false, true, 20, 60) && termsValid; // Second mortgage term (select) is always valid if (!termsValid) { if (this.elements.analysisTabButton) this.elements.analysisTabButton.disabled = true; if (this.elements.analysisOutput) this.elements.analysisOutput.innerHTML = '

Please correct errors in 2nd Mortgage Terms.

'; this.navigateToTab('SmaTermsTab', 'smaTermsTabButton'); return; } // Re-validate Tab 1 (user might have gone back) let financialsValid = ['smaPropertyValue', 'smaFirstMortgageBalance', 'smaGrossMonthlyIncome', 'smaFirstMortgagePI'].every(id => this._validateInput(this.elements[id])); if (parseFloat(this.elements.firstMortgageBalance.value) >= parseFloat(this.elements.propertyValue.value)) { financialsValid = false; // Already handled by validateAndNavigate, but good to recheck } const debtFields = ['monthlyCarPayment', 'monthlyStudentLoanPayment', 'monthlyCreditCardPayment', 'otherMonthlyDebtPayments', 'annualPropertyTax', 'annualHomeInsurance', 'monthlyHOAFees']; debtFields.forEach(id => { const field = this.elements[id]; if (field && field.value.trim() !== '') { financialsValid = this._validateInput(field, false, false, false, 0) && financialsValid; } }); if (!financialsValid) { if (this.elements.analysisTabButton) this.elements.analysisTabButton.disabled = true; if (this.elements.analysisOutput) this.elements.analysisOutput.innerHTML = '

Please correct errors in Property & Financials.

'; this.navigateToTab('SmaFinancialsTab', 'smaFinancialsTabButton'); // Corrected ID reference return; } const propertyValue = parseFloat(this.elements.propertyValue.value); const firstMortgageBalance = parseFloat(this.elements.firstMortgageBalance.value); const firstMortgagePI = parseFloat(this.elements.firstMortgagePI.value); const grossMonthlyIncome = parseFloat(this.elements.grossMonthlyIncome.value); const carPayment = parseFloat(this.elements.monthlyCarPayment.value) || 0; const studentLoan = parseFloat(this.elements.monthlyStudentLoanPayment.value) || 0; const creditCard = parseFloat(this.elements.monthlyCreditCardPayment.value) || 0; const otherDebts = parseFloat(this.elements.otherMonthlyDebtPayments.value) || 0; const totalNonHousingDebts = carPayment + studentLoan + creditCard + otherDebts; const annualPropTax = parseFloat(this.elements.annualPropertyTax.value) || 0; const annualHomeIns = parseFloat(this.elements.annualHomeInsurance.value) || 0; const monthlyHOA = parseFloat(this.elements.monthlyHOAFees.value) || 0; const monthlyTaxesInsHOA = (annualPropTax / 12) + (annualHomeIns / 12) + monthlyHOA; const secondMortgageRate = parseFloat(this.elements.secondMortgageInterestRate.value); const secondMortgageTerm = parseInt(this.elements.secondMortgageTermYears.value); const maxCLTV = parseFloat(this.elements.maxCLTVPercent.value) / 100; const maxDTI = parseFloat(this.elements.maxBackEndDTIPercent.value) / 100; // CLTV Calculation const maxTotalLoanValue = propertyValue * maxCLTV; const maxSecondMortgageByCLTV = Math.max(0, maxTotalLoanValue - firstMortgageBalance); // DTI Calculation const maxTotalMonthlyDebtAllowed = grossMonthlyIncome * maxDTI; const currentHousingDebtsForDTI = firstMortgagePI + monthlyTaxesInsHOA; const roomForSecondMortgagePI = Math.max(0, maxTotalMonthlyDebtAllowed - currentHousingDebtsForDTI - totalNonHousingDebts); const maxSecondMortgageByDTI = this._calculatePrincipalFromEMI(roomForSecondMortgagePI, secondMortgageRate, secondMortgageTerm); const affordableSecondMortgage = Math.min(maxSecondMortgageByCLTV, maxSecondMortgageByDTI); const limitingFactor = maxSecondMortgageByCLTV < maxSecondMortgageByDTI ? "CLTV Limit" : "DTI Limit"; let affordableSecondMortgagePI = 0; let totalMonthlyHousingPayment = currentHousingDebtsForDTI; let finalCLTV = 0; let finalDTI = 0; let resultMessage = ""; if (affordableSecondMortgage > 0) { affordableSecondMortgagePI = this._calculateEMI(affordableSecondMortgage, secondMortgageRate, secondMortgageTerm); totalMonthlyHousingPayment += affordableSecondMortgagePI; finalCLTV = ((firstMortgageBalance + affordableSecondMortgage) / propertyValue) * 100; finalDTI = ((totalNonHousingDebts + totalMonthlyHousingPayment) / grossMonthlyIncome) * 100; } else { finalCLTV = (firstMortgageBalance / propertyValue) * 100; finalDTI = ((totalNonHousingDebts + currentHousingDebtsForDTI) / grossMonthlyIncome) * 100; resultMessage = `

Based on the inputs and guidelines, a second mortgage may not be affordable. The limiting factor was ${limitingFactor}. Max loan by CLTV: $${maxSecondMortgageByCLTV.toLocaleString(undefined, {minimumFractionDigits:0, maximumFractionDigits:0})}, Max loan by DTI: $${maxSecondMortgageByDTI.toLocaleString(undefined, {minimumFractionDigits:0, maximumFractionDigits:0})}.

`; } this.calculatedData = { propertyValue, firstMortgageBalance, firstMortgagePI, grossMonthlyIncome, totalNonHousingDebts, monthlyTaxesInsHOA, secondMortgageRate, secondMortgageTerm, maxCLTV_input: maxCLTV*100, maxDTI_input: maxDTI*100, maxSecondMortgageByCLTV, roomForSecondMortgagePI, maxSecondMortgageByDTI, limitingFactor, affordableSecondMortgage, affordableSecondMortgagePI, totalMonthlyHousingPayment, finalCLTV, finalDTI, // For PDF inputs summary inputs: { ...this.elements } }; // Clean up input values for PDF for(const key in this.calculatedData.inputs) { if(this.calculatedData.inputs[key] && typeof this.calculatedData.inputs[key].value !== 'undefined') { this.calculatedData.inputs[key] = this.calculatedData.inputs[key].value; } } const fNum = (num, dec = 0) => (typeof num !== 'number' || isNaN(num) || !isFinite(num)) ? 'N/A' : num.toLocaleString(undefined, {minimumFractionDigits:dec, maximumFractionDigits:dec}); let outputHTML = `

Affordability Limits

`; outputHTML += `

Max 2nd Mortgage by CLTV (${fNum(maxCLTV*100,1)}%): $${fNum(maxSecondMortgageByCLTV)}

`; outputHTML += `

Max 2nd Mortgage P&I by DTI (${fNum(maxDTI*100,1)}%): $${fNum(roomForSecondMortgagePI)} (translates to loan of $${fNum(maxSecondMortgageByDTI)})

`; outputHTML += `

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(); });