Loan Affordability Precheck

Estimate indicative loan affordability from disclosed income, expenses, debt, and requested loan terms: compute the amortized monthly payment, front-end and back-end DTI, and residual income, map them to an indicative affordability band against versioned thresholds, and stress-test for higher rates and lower income. Use when a consumer or loan officer asks "can I afford this mortgage / car payment / loan", "what would my DTI be", "run an affordability precheck", or wants the assumptions and stress cases shown before starting an application. This skill produces a transparent, reproducible estimate and routes the decision to human underwriting; it NEVER approves, denies, pr…