Tools
One calculator per question.
Production runs five of these on a single URL titled “Mortgage Calculator,” competing against a head term with a difficulty score of 93 and Google’s own widget sitting in the results. Split apart, each one can target a question it can actually win — and each shows its arithmetic as text, not just as a widget.
Already built
These exist in production today as tabs on one page. The engine behind them is the best-built thing on the site — the only code with a test suite. Nothing about it needs rewriting; it needs its own URLs and its math in readable HTML.
Purchase payment
Principal, interest, taxes and insurance for a specific purchase price and down payment.
DSCR for rental property
Whether a rental property's income covers its debt service at the ratio lenders actually require.
Refinance break-even
How many months until a refinance pays for the cost of doing it — measured against your remaining term, not a fresh thirty years.
Debt consolidation
What folding higher-rate debt into the mortgage does to the monthly number, and what it costs over the full term.
Affordability
The loan amount your income and existing debts support, and the price that implies.
Extra payments
What an extra amount each month does to your payoff date and total interest.
Why the math is printed, not just computed
No major AI crawler executes JavaScript. GPTBot, ClaudeBot, and PerplexityBot fetch pages without rendering them. Everything inside the current calculator widget — the LLPA matrix, the PMI thresholds, the whole engine — is invisible to ChatGPT, Claude, and Perplexity. That is the most differentiated knowledge on this site and it does not exist to them.
Every calculator page here renders worked examples as static HTML, generated at build time by the same engine. Same numbers, because it is the same function — but readable, quotable, and citable.