Smart decisions for founder wealth.
David's income is primarily tied to his business and stock options, making traditional mortgage qualification difficult. He's considering a $800,000 home but is unsure how his RSU vesting schedule, potential future liquidity events, and current debt (including student loans) will impact his ability to comfortably afford the monthly mortgage payments, property taxes, and insurance (PITI). He needs a clear understanding of his affordability and how it fits into his long-term financial goals.
Using Golden Door Asset's PITI Calculator, we modeled various scenarios, including different down payment amounts, interest rates, and property tax rates, to project David's monthly housing costs. The Student Loan Calculator helped quantify his existing debt obligations, while the Refinance Calculator illustrated potential savings from refinancing those loans to improve cash flow. This allowed David to see how different housing choices would affect his overall financial picture, specifically considering his RSU vesting schedule and potential company acquisition.
The PITI, Student Loan, and Refinance calculators were integrated to provide a holistic view of David's finances. Data from his bank accounts, brokerage accounts, and loan statements were securely connected to the calculators.
$45,000 reduction in debt service over the loan term by strategically refinancing student loans, plus a clear understanding of housing affordability within his financial context.
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