# Remapping our Transformations

After Eliminating what we can, and accounting for what we can not, we've now been able to address a large portion of what all is anticipated to happening over the life of a co-owned home. What this does differently is the following:

* Most of our **Startup Costs** before now are factored in as a **Rollover Account**
* **Costs of Business** are the **same for routine scheduled expenses**, but for **any unexpected** incidents there are, they are now accounted for in a **Fixed Account**
* **Exit Costs** are largely **eliminated** by removal of Counterparty Risk and Redundant Buying Power and are delayed until final sale point

But let's go ahead and break these down pillar by pillar and item by item.

### Startup Costs

| Expense Item                     | Calculation                    | Amount ($)                              | Reclassification  |
| -------------------------------- | ------------------------------ | --------------------------------------- | ----------------- |
| **Home Inspection**              | Estimated                      | $500                                    | Rollover Account  |
| **Appraisal Fee**                | Estimated                      | $600                                    | Rollover Account  |
| **Title Insurance & Search**     | Estimated                      | $2,000                                  | Rollover Account  |
| **Loan Origination Fee (1%)**    | $475,000 x 1%                  | $4,750                                  | Rollover Account  |
| **Legal Fees (Attorney)**        | Estimated                      | $1,500                                  |                   |
| **Permit & Licensing Fees**      | Estimated                      | $500                                    | Rollover Account  |
| **Transfer Tax (0.75%)**         | $500,000 x .75%                | $3750                                   |                   |
| **Intangible Tax (0.2%)**        | $475,000 x .2%                 | $950                                    | Rollover Account  |
| **Prorated Property Taxes**      | 6,250 ÷ 12 × 3 (3 months)      | $1,563                                  | Rollover Account  |
| **Prepaid Interest**             | ($475,000 × 6%) ÷ 12 × 15 days | $1187                                   |                   |
| **Homeowners Insurance Premium** | Estimated                      | $1800                                   | Rollover Account? |
| **Total Startup Costs**          | **Sum**                        | <mark style="color:red;">$19,100</mark> |                   |

### Costs of Doing Business

| Expense Item                                | Calculation                     | Monthly ($) |
| ------------------------------------------- | ------------------------------- | ----------- |
| **Mortgage Payment (P+I)**                  | $475,000 loan @ 6% for 30 years | $2,848      |
| **Down Payment Opportunity Cost (5yr est)** | $25,000 x (1.07)^5 - $25,000    | $10,063     |
| **Property Taxes**                          | 1.25% of $500K / 12             | $521        |
| **Private Mortgage Insurance (PMI)**        | 0.5% of $475K / 12              | $198        |
| **Maintenance & Repairs**                   | 1% of $500K / 12                | $417        |
| **HOA Fees (if applicable)**                | Estimated                       | $100        |
| **Homeowners Insurance**                    | Estimated                       | $150        |
| **Landscaping**                             | Estimated                       | $50         |
| **Pest Control**                            | Estimated                       | $33         |

### Exit Costs

### Income Sources

## TODO Map Costs to their new category aka loan origination -> rollover account


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