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// Real calculations — not AI generated

export function calculateNOI(income, expenses, config) {
  const egi = income.gross * (1 - config.vacancy);
  const opex = computeOpEx(expenses, config);

  // Annual accounting for free mgmt months
  const mgmtAnnual = expenses.mgmtRate
    * ((12 - config.freeMgmtMonths) / 12);

  return egi - opex - mgmtAnnual;
}

export function calculateDSCR(noi, debtService) {
  if (debtService <= 0) return Infinity;
  return noi / debtService;
}

export function projectEquity(value, loanBal, yrs) {
  return Array.from({ length: yrs }, (_, i) => ({
    year: i + 1,
    equity: appreciatedValue(value, i + 1)
            - amortizedBalance(loanBal, i + 1),
  }));
}