//*******************************************
//DO NOT REMOVE THIS COPYWRITE INFO!
//Renter Mortgage Affordability Calculator V2
//2003 Daniel C. Peterson ALL RIGHTS RESERVED
//Created: 01/13/2003
//Last Modified: 01/13/2003
//This script may not be copied, edited, distributed or reproduced
//without express written permission from
//Daniel C. Peterson of Web Winder Website Services
//For commercial use rates, contact:
//Dan Peterson:
//Web Winder Website Services
//P.O. Box 11
//Bemidji, MN  56619
//dan@webwinder.com
//http://www.webwinder.com
//Commercial User Licence #:239-32-92-30
//Commercial Licence Date:2003-02-25
//*******************************************



function stripNum(num) {

var iPercent
var iDollar
var iSpace
var iComma
var numLength = num.length

//lalalla Line #114

if(numLength > 0) {

   num=num.toString();

   iPercent = num.indexOf("%");
   if(iPercent >= 0) {
      num=num.substring(0,iPercent) + "" + num.substring(iPercent + 1,numLength);
      numLength=num.length;
      }
   iDollar = num.indexOf("$");
   if(iDollar >= 0) {
      num=num.substring(0,iDollar) + "" + num.substring(iDollar + 1,numLength);
      numLength=num.length;
      }
   iSpace = num.indexOf(" ");
   if(iSpace >= 0) {
      num=num.substring(0,iSpace) + "" + num.substring(iSpace + 1,numLength);
      numLength=num.length;
      }
   iComma = num.indexOf(",");
   if(iComma >= 0) {
      while(iComma >=1) {
         num=num.substring(0,iComma) + "" + num.substring(iComma + 1,numLength);
         numLength=num.length;
         iComma = num.indexOf(",");
      }
      }

      num = eval(num);


} else {

num = 0;

}

return num;

}




function formatNumber(num) {

var isNeg=0;

    if(num < 0) {
       num=num*-1;
       isNeg=1;
    }

    
	onum=Math.round(num*100)/100;
		
	integer=Math.floor(onum);

	if (Math.ceil(onum) == integer) {
		decimal="00";
	} else{
		decimal=Math.round((onum-integer)*100)
	}
	decimal=decimal.toString();
	if (decimal.length<2) decimal="0"+decimal;

	integer=integer.toString();
	var tmpnum="";
	var tmpinteger="";
	var y=0;

	for (x=integer.length;x>0;x--) {
		tmpnum=tmpnum+integer.charAt(x-1);
		y=y+1;
		if (y==3 & x>1) {
			tmpnum=tmpnum+",";
			y=0;
		}
	}

	for (x=tmpnum.length;x>0;x--) {
		tmpinteger=tmpinteger+tmpnum.charAt(x-1);
	}
		
	finNum=tmpinteger+"."+decimal;

    if(isNeg == 1) {
       finNum = "-" + finNum;
    }

	return finNum;
}


function computeForm(form) {

if(document.calcForm.monthlyRent.value == 0 || document.calcForm.monthlyRent.value == "") {
   alert("Please enter your monthly rent payment.");
   document.calcForm.monthlyRent.focus();
} else
if(document.calcForm.intRate.value == 0 || document.calcForm.intRate.value == "") {
   alert("Please enter the expected mortgage interest rate.");
   document.calcForm.intRate.focus();
} else
if(document.calcForm.numYears.value == 0 || document.calcForm.numYears.value == "") {
   alert("Please enter the number of years you will finance the home for.");
   document.calcForm.numYears.focus();
} else
   {
var VmonthlyRent = stripNum(document.calcForm.monthlyRent.value);
var VintRate = stripNum(document.calcForm.intRate.value);
var VnumYears = stripNum(document.calcForm.numYears.value);
var Vtaxes = stripNum(document.calcForm.taxes.value);
var Vinsurance = stripNum(document.calcForm.insurance.value);

var VmonthlyTaxes = Vtaxes / 12;
var VmonthlyIns = Vinsurance / 12;

var Vreduction = eval(VmonthlyTaxes) + eval(VmonthlyIns);
VmonthlyRent = eval(VmonthlyRent) - eval(Vreduction);

var i = VintRate;
  if (i >= 1.0) {
  i = i / 100.0;
  }
  i /= 12;

var noMonths = VnumYears * 12;

//ZERO DOWN
var pow_0 = 1;

for (var j_0 = 0; j_0 < noMonths; j_0++)
    pow_0 = pow_0 * (1 + i);

var Rprincipal_0 = ((pow_0 - 1) * VmonthlyRent) / (pow_0 * i);

document.calcForm.mortgageSize_0.value = "$" + formatNumber(Rprincipal_0);

var VdownPayment_0 = 0;

document.calcForm.downPayment_0.value = "$" + formatNumber(VdownPayment_0);

var VhomePrice_0 = eval(Rprincipal_0) + eval(VdownPayment_0);
document.calcForm.homePrice_0.value = "$" + formatNumber(VhomePrice_0);

//5% DOWN
var pow_5 = 1;

for (var j_5 = 0; j_5 < noMonths; j_5++)
    pow_5 = pow_5 * (1 + i);

var Rprincipal_5 = ((pow_5 - 1) * VmonthlyRent) / (pow_5 * i);

document.calcForm.mortgageSize_5.value = "$" + formatNumber(Rprincipal_5);

var VdownPayment_5 = eval(Rprincipal_5 / .95) - eval(Rprincipal_5);

document.calcForm.downPayment_5.value = "$" + formatNumber(VdownPayment_5);

var VhomePrice_5 = eval(Rprincipal_5) + eval(VdownPayment_5);
document.calcForm.homePrice_5.value = "$" + formatNumber(VhomePrice_5);

//10% DOWN
var pow_10 = 1;

for (var j_10 = 0; j_10 < noMonths; j_10++)
    pow_10 = pow_10 * (1 + i);

var Rprincipal_10 = ((pow_10 - 1) * VmonthlyRent) / (pow_10 * i);

document.calcForm.mortgageSize_10.value = "$" + formatNumber(Rprincipal_10);

var VdownPayment_10 = eval(Rprincipal_10 / .90) - eval(Rprincipal_10);

document.calcForm.downPayment_10.value = "$" + formatNumber(VdownPayment_10);

var VhomePrice_10 = eval(Rprincipal_10) + eval(VdownPayment_10);
document.calcForm.homePrice_10.value = "$" + formatNumber(VhomePrice_10);

   }
}