ReservesCalculator - nywele zinazostahili-kamaset → miezi ya PITIA (WS6)

Featurekamo-shared-library
Shipped
16 Julai 2026, 08:05 UTC
Author
Kamo
Commit
52a471f

Derives reserve months from actual assets with standard agency haircuts — liquid deposits 100%, brokerage 70%, vested retirement 60%, gift/borrowed excluded — divided by monthly PITIA. Completes the pure qualification suite (income + liabilities + PITI/DTI + reserves) an overlay minimum can gate on a real figure instead of a borrower-typed one. Zero PITIA → undefined. No schema, no wiring.

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