P
OCKET REFERENCE GUIDE — 3
T Number of years
ˆ Annual interest rate or
cash flow desired rate of
return
s l Future value
s ˆ APR (annual percentage
rate), including mortgage
insurance, if entered
P Property price
d Down payment
s T Bi-Weekly loan
a Amortization function
s a Remaining balance
A Adjustable-rate mortgage
s A ARM decreasing interest
% adjustment
s % ARM lifetime interest cap%
q Qualify based on
28%-36%
Q Qualify based on
29%-41%
i Annual income
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