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👨 Josh Mortgage Ceiling Assessment
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P1
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· Calculator
★ MOST important calc.
Determine Josh's TRUE sustainable monthly mortgage ceiling — differentiates
survivable
from
sustainable
. Anti-house-poor guardrail.
Inputs
Current repurposable cash flow ($/mo)
Current investment contributions ($/mo)
Current savings contributions ($/mo)
Current surplus debt paydowns ($/mo)
Office rent income ($/mo)
Existing recurring bills + min debt ($/mo)
Personal spending target ($/mo)
Desired monthly buffer ($)
Desired ongoing investing post-purchase ($/mo)
Desired emergency reserve growth ($/mo)
— Jess-income-loss stress test inputs —
Jess-loss target total Josh must cover ($/mo, mortgage+utilities)
🔢 Calculate
— press Calculate (or Enter) to render —
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Action
Use sustainable, not survivable
— survivable is the I-can-barely-breathe number. Sustainable preserves the life you actually want.
Conservative ceiling = best for actual offer planning — gives 15% safety margin.
Feed the sustainable number into Mortgage Split calc as Josh's healthy ceiling target.
Compare against Mortgage card PITI — if PITI > sustainable, the house is too expensive even if technically affordable to a lender.