Monthly mortgage payment
$0
Whole property payment
Net equity at exit
$0
Exit in year 4
Buyout amount
$0
For exiting partner
New mortgage required
$0
If one partner keeps the home
Fairness rule toggle
Interest behaves like occupancy cost. Principal follows ownership.
Monthly payment fairness breakdown
Partner A
Mortgage share$0
Principal credited$0
Interest cost$0
Carrying costs ?Property tax, insurance, utilities, condo fees, and other monthly holding costs after rent offset.$0
Total monthly$0
Partner B
Mortgage share$0
Principal credited$0
Interest cost$0
Carrying costs$0
Total monthly$0
Fairness Meter & Optimizer
This layer translates the math into a simple “who benefits more?” view, then lets you tune the living-benefit setting toward a more balanced structure.
Partner A fairness ratio0.00x
Partner B fairness ratio0.00x
StatusBalanced
FavoursNeither partner
Fairness scale
Favours Partner A
Balanced
Favours Partner B
Balanced near centre
Fairness Optimizer
Move the optimizer to test a lower or higher living-benefit adjustment, or use the suggested balanced value calculated below.
Suggested balanced living benefit0.0%
Fairness gap at current slider0.0%
Best gap found0.0%
What optimizer changesOccupancy weighting
What stays fixedOwnership & equity inputs
Quick actionCurrent setting is acceptable
Use the suggested value
This applies the lowest fairness gap the calculator found while scanning the living-benefit range.
Share / Print Scenario Summary
Create a client-friendly summary of the current scenario with your branding, key assumptions, and plain-language results.
Scenario
Current Scenario
Fairness rule: —
Occupancy: —
Headline Result
Balanced near centre
Fairness scale and exit result summary
Partner A monthly$0
Partner B monthly$0
Fairness status—
Sell proceeds$0
Buyout amount$0
New payment after buyout$0
Assumptions / Disclaimer
Core assumptions: Payment allocations, fairness scoring, and exit outcomes are scenario-planning estimates based on the values entered into this calculator.
Not legal advice: Ownership rights, buyout terms, and co-ownership agreements should be reviewed by a lawyer.
Not lending approval: Qualification outputs are screening estimates only and do not represent a lender commitment.
Projection risk: Property appreciation, market rent, penalties, and costs may differ from actual results.
Recommended next step: Confirm the mortgage strategy, legal agreement, and exit mechanics before proceeding.
Scenario Library
Save multiple scenarios, reload them into the calculator, and choose which ones to compare as Scenario A and Scenario B.
Library controls
Saved scenarios
No saved scenarios yet.
Export Co-Ownership Report
Generate a printable branded report summarizing the current co-ownership scenario, fairness findings, life events, and exit options.
Report title
Co-Ownership Planning Report
Current live scenario
Prepared for
Allen Ehlert
Mortgage planning and scenario analysis
Fairness result—
Life event—
Active rule—
Sell proceeds$0
Buyout amount$0
Refinance payment$0
Side-by-Side Scenario Comparison
Compare the current live scenario against a saved comparison scenario.
Comparison controls
Save the current inputs as Scenario B, then continue adjusting the live calculator as Scenario A.
Saved scenario status
No saved comparison scenario yet.
| Metric | Scenario A (Live) | Scenario B (Saved) |
|---|---|---|
| Monthly payment A | — | — |
| Monthly payment B | — | — |
| Fairness status | — | — |
| Buyout amount | — | — |
| New payment after buyout | — | — |
| Scale outcome | — | — |
| Notes | — | — |
Life Events Module & Early Mortgage Paydown Tracker
Model common co-ownership disruptions and extra principal payments that use mortgage prepayment privileges.
Active event
No active life event
Income shortfall / month$0
Occupancy impactNo change
Extra principal used$0
Prepayment privilege remaining$0
Updated mortgage balance effect$0
Event Outcome Summary
Partner A affordability gap$0
Partner B affordability gap$0
Mortgage balance after extra paydown$0
Estimated interest saved$0
Fairness effectNo material change
Recommended discussionReview payment responsibilities
Exit Conflict Simulator
Concrete layout and logic for the two outcomes that matter most: sell the property or buy out the exiting partner.
Future property value$0
Mortgage balance at exit$0
Selling costs (5.0%)$0
Mortgage penalty$0
Legal / closing costs$0
Net equity pool$0
Contribution adjustment$0
Scenario 1: Sell the Property
Net sale proceeds$0
Partner A receives$0
Partner B receives$0
Lower cash requiredUsually yes
Scenario 2: Buy Out the Partner
Exiting partner entitlement$0
Total buyout required$0
New mortgage required$0
New monthly payment$0
Lower cash required
—
Keeps property
—
Payment risk
—
Likely simpler
—
Time-Based Equity Chart
Track how projected equity builds over time for both partners under the active fairness structure.
Year 1 projected equity$0
Year 3 projected equity$0
Year 5 projected equity$0
Year 7 projected equity$0
Year 10 projected equity$0
Remaining Partner Qualification Snapshot
Simple feasibility placeholder tied to the buyout amount, not a full underwriting engine.
Stress-tested payment$0
Estimated gross income needed*$0
Assumed payment-to-income ratio39%
*Simple screening estimate: annual income needed = qualifying monthly payment ÷ 39% × 12. This is for scenario planning only.
Fairness model comparison
| Model | Partner A | Partner B |
|---|
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