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CHatmaker/BXL 5g Functions LAMBDA for Excel Debt Module

Last active February 4, 2025 11:20
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BXL 5g Functions LAMBDA for Excel for debt modeling
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BXL 5g Functions LAMBDA for Excel Debt Module
/* FUNCTION NAME: Aboutλ
DESCRIPTION:*//**Displays the URL to this module's Gist which includes documentation*/
/* REVISIONS: Date Developer Description
Aug 10 2023 Craig Hatmaker Copyright
Feb 02 2024 Craig Hatmaker See DebtSculptλ
*/
Aboutλ = TRIM(TEXTSPLIT(
"About: →BXL's Debt module. Suggested module name: BXLDebt¶" &
"Version: →Aug 10 2023¶" &
"Gist URL: →https://gist.github.com/CHatmaker/ea47b2fa510c62023eec6e4403f6e3e8 ¶" &
"Website: →https://sites.google.com/site/beyondexcel/home/excel-library/ ¶" &
"→¶" &
"Function →Description¶" &
"Aboutλ →Produces this table¶" &
"Range2DAλ →Transform a static reference to a dynamic array for use in array calculations.¶" &
"Amortizeλ →Creates an amoritizaton schedule for a debt/loan. ¶" &
"DebtSculptFixedλ →Creates a Debt Sculpting schedule where APR and DSCR is fixed for all periods.¶" &
"DebtSculptVariableλ →Creates a Debt Sculpting schedule where APR and DSCR is set for each period.¶" &
"DebtSculptVariableLRVλ →Creates a Debt Sculpting schedule where APR and DSCR is set for each period (Lance Rubin Variant).¶" &
"InterestLRVλ →Calculates debt sculpting interest using method presented by Lance Rubin",
"→","¶"
)
);
Range2DAλ = LAMBDA(
// Parameter Declarations
[CellReference],
[Columns],
[Rows],
LET(
// Help
Help, TRIM(TEXTSPLIT(
"DESCRIPTION: →Creates a dynamic array from a static reference¶" &
" →so the reference can be used in array calculations.¶" &
" →Created to facilitate converting FAST to FAST+ 5G.¶" &
" →This is the same as: =OFFSET(CellReference, 0, 0, Rows, Columns)¶" &
"VERSION: →Aug 08 2023¶" &
"PARAMETERS:→¶" &
"CellReference →(Required) The range's first (top left) cell reference¶" &
"Columns →(Required) Usually the number of model periods¶" &
"Rows →(Optional) Rows in reference. Defaults to 1¶" &
"→¶" &
"EXAMPLE: →=Range2DAλ($J$10, 60)",
"→", "¶" )
),
// Error Messages
ErrMsgs, {"CellReference must be a cell address or named reference";
"Columns must be the # of columns for the array which is usually the # of model periods"},
// Check inputs
CellReference, IF(ISERROR(CELL("address", CellReference)), #Value!, INDEX(CellReference,1,1)),
Columns, IF(ISNUMBER(Columns), Columns, #Value!),
Rows, IF(ISNUMBER(Rows), Rows, 1),
// Assemble Error Messages Array (if errors found)
Errors, VSTACK(ISERROR( CellReference), ISERROR( Columns)),
Messages, FILTER(ErrMsgs, Errors, ""),
// Procedure
Result, OFFSET(CellReference, 0, 0, Rows, Columns),
// Handle Error
Return, IF( AND( Errors), 2, IF( OR( Errors), 3, IF( OR( ISERROR( Result)), 2, 1))),
// Return Result
CHOOSE(Return, Result, Help, Messages)
)
);
/* FUNCTION NAME: Amortizeλ
DESCRIPTION:*//**Creates an amortization schedule for a debt/loan*/
/* REVISIONS: Date Developer Description
Jun 22 2023 Craig Hatmaker Original Development
Aug 10 2023 Craig Hatmaker Transfered to this module and revised to be 100% self contained
*/
Amortizeλ = LAMBDA(
// Parameter Declarations
[Principal],
[Rate],
[Payment],
[StartPeriod],
[ModelPeriods],
[DoNotUse],
// LET
LET(Help, TRIM(TEXTSPLIT(
"DESCRIPTION: →Creates an amortization schedule for a debt/loan¶" &
"VERSION: →Aug 10 2023¶" &
"PARAMETERS:→¶" &
"Principal →(Required) Principal Balance.¶" &
"Rate →(Required) APR per Period¶" &
"Payment →(Required) Period Payment amount.¶" &
"StartPeriod →(Optional) Defaults to first period.¶" &
"ModelPeriods →(Required) Number of model periods¶" &
"DoNotUse →DO NOT USE - Internal use only (Period Counter)¶" &
"→¶" &
"EXAMPLES: →Amortizeλ(10000, 3%/12, 1000, 3, 60)",
"→", "¶" )
),
// Error Messages
ErrMsgs, {"Principal must be a single number providing the opening debt amount.";
"Rate must be a single number providing interest rate for the period (eg. APR/12).";
"Payment must be a single number providing the amount repaid in each period";
"Start Period must be a single number providing the model period when loan is issued.";
"Model Periods must be a single number providing the number of periods in this model."},
// Check inputs
Principal, IF( ISNUMBER( Principal), Principal, #Value!),
Rate, IF( ISNUMBER( Rate), Rate, #Value!),
Payment, IF( ISNUMBER( Payment), Payment, #Value!),
StartPeriod, IF( ISNUMBER( StartPeriod), StartPeriod, #Value!),
ModelPeriods, IF( ISNUMBER( ModelPeriods), ModelPeriods, #Value!),
// Error Messages
Errors, VSTACK(ISERROR( Principal), ISERROR( Rate), ISERROR( Payment), ISERROR( StartPeriod), ISERROR( ModelPeriods)),
Messages, FILTER(ErrMsgs, Errors, ""),
// Procedure
Period, IF(DoNotUse = 0, 1, DoNotUse),
OpeningBalance, IF(Period < StartPeriod, 0, Principal),
InterestPortion, OpeningBalance * Rate,
NewPayment, IF(Period < StartPeriod, 0, MIN(Payment, OpeningBalance + InterestPortion)),
PrincipalPortion, NewPayment - InterestPortion,
ClosingBalance, OpeningBalance + InterestPortion - NewPayment,
NewColumn, VSTACK(OpeningBalance, InterestPortion, NewPayment, ClosingBalance, PrincipalPortion),
Result, IF( Period = ModelPeriods,
NewColumn,
HSTACK(
NewColumn,
Amortizeλ(
IF(Period < StartPeriod, Principal, ClosingBalance),
Rate,
Payment,
StartPeriod,
ModelPeriods,
Period + 1
)
)
),
// Handle Error
Error, IF( AND( Errors), 2, IF( OR( Errors), 3, IF( OR( ISERROR( Result)), 2, 1))),
// Return Result
CHOOSE(Error, Result, Help, Messages)
)
);
/* FUNCTION NAME: DebtSculptλ
DESCRIPTION:*//**Calculates Debt balance, interest, and debt repayment based on CFAD and DSCR target*/
/* REVISIONS: Date Developer Description
Aug 08 2023 Craig Hatmaker Copyright
Feb 02 2024 Craig Hatmaker Modified for anonymous recursion.
*/
DebtSculptλ = LAMBDA(
// Parameter Declarations
[OpeningBalance],
[Debts],
[CFADs],
[DSCRs],
[APRs],
[Timeline],
// Procedure
LET(
// Inline Help
Help, TRIM(TEXTSPLIT(
"DESCRIPTION: →Creates a Debt Sculpting schedule where APR and DSCR is set for each period¶" &
"VERSION: →Aug 07 2023¶" &
"PARAMETERS:→¶" &
"OpeningBalance →(Optional) Model's debt on opening. Defaults to 0¶" &
"Debts →(Required) New debt taken on for each period¶" &
"CFADs →(Required) Cash Flow Available for Debt Services¶" &
"DSCRs →(Required) Debt Service Coverage Ratio¶" &
"APRs →(Required) Interest's Annual Percentage Rate¶" &
"Timeline →(Required) The model's timeline.¶" &
"→¶" &
"EXAMPLE: →=DebtSculptVariableλ(, Debt, CFADS, DSCR, APR)¶" &
"SUGGESTED ROW LABELS: →Debt opening balance¶" &
" →Interest¶" &
" →Deby repayments¶" &
" →Debt closing balance",
"→", "¶" )
),
// Check inputs - Omitted required arguments
OmittedArgs, VSTACK(
ISOMITTED( Debts),
ISOMITTED( CFADS),
ISOMITTED( DSCRs),
ISOMITTED( APRs)
),
Help?, OR( OmittedArgs),
// Constants
MpY, 12, //Months Per Year
ADpM, 30.42, //Average Days Per Month
// Determine timeline's interval (length of periods) and orientation (horizontal or vertical)
FirstPeriod, INDEX( Timeline, 1),
SecondPeriod, INDEX( TImeline, 2),
MpP, @ROUND(( SecondPeriod - FirstPeriod) / ADpM, 0),
PpY, MpY / MpP,
ModelPeriods, Columns( Timeline),
// Check inputs
OpeningBalance, IF(ISNUMBER( OpeningBalance), OpeningBalance, 0),
DSCRs, IF(COUNTA( DSCRs) = ModelPeriods, DSCRs, EXPAND( DSCRs, , ModelPeriods, DSCRs)),
APRs, IF(COUNTA( APRs) = ModelPeriods, APRs, EXPAND( APRs, , ModelPeriods, APRs)),
// Recursive function (fn) definition
Recursion,
LAMBDA(fn, OpeningBalance, Debts, CFADs, DSCRs, APRs, Mpy, MpP, Period,
LET(
Rate, INDEX(APRs, 1, Period) / MpY * MpP,
Debt, INDEX(Debts, 1, Period),
CFAD, INDEX(CFADs, 1, Period),
DSCR, INDEX(DSCRs, 1, Period),
Principal, OpeningBalance + Debt,
Interest, Principal * Rate,
Payment, MIN(CFAD/DSCR, Principal + Interest),
ClosingDebt, Principal + Interest - Payment,
NewColumn, VSTACK(Principal, Interest, -Payment, ClosingDebt),
Result, IF( Period = ModelPeriods,
NewColumn,
HSTACK(
NewColumn,
fn(fn,
ClosingDebt,
Debts,
CFADs,
DSCRs,
APRs,
MpY,
MpP,
Period + 1
)
)
),
Result)
),
// Procedure
Result, Recursion( Recursion, OpeningBalance, Debts, CFADs, DSCRs, APRs, Mpy, MpP, 1 ),
// Return Result
CHOOSE(Help? + 1, Result, Help)
)
);
/* FUNCTION NAME: DebtSculptFixedλ
DESCRIPTION:*//**Creates a Debt Sculpting schedule where APR and DSCR is fixed for all periods*/
/* REVISIONS: Date Developer Description
Aug 08 2023 Craig Hatmaker Original Development
*/
DebtSculptFixedλ = LAMBDA(
// Parameter Declarations
[OpeningBalance],
[Debt],
[CFADS],
[DSCR],
[APR],
[MonthsPerPeriod],
[DoNotUse],
// Procedure
LET(
// Help
Help, TRIM(TEXTSPLIT(
"DESCRIPTION: →Creates a Debt Sculpting schedule where APR and DSCR are fixed for all periods¶" &
"SUGGESTED ROW IDS: →Debt opening balance¶" &
" →Interest on Principal Balance¶" &
" →Principal repayments¶" &
" →Debt closing balance¶" &
"VERSION: →Aug 08 2023¶" &
"PARAMETERS:→¶" &
"OpeningBalance →(Optional) Model's debt on opening. Defaults to 0¶" &
"Debt →(Required) New debt taken on for the period¶" &
"CFADS →(Required) Cash Flow Available for Debt Services¶" &
"DSCR →(Required) Debt Service Coverage Ratio¶" &
"APR →(Required) Interest's Annual Percentage Rate¶" &
"MonthsPerPeriod →(Optional) Defaults to one month per period.¶" &
"DoNotUse →This is required internally for counting period columns¶" &
"→¶" &
"EXAMPLES: →=DebtSculptFixedλ(, Debt, CFADS, DSCR, APR)",
"→", "¶" )
),
// Error Messages
ErrMsgs, {"Debt must be a dynamic array holding new debt (if any) in each period";
"CFADS must be a dynamic array holding cash available for debt service in each period";
"DSCR must be a single number holding debt service coverage ratio for all periods";
"APR must be a single number holding interest's annual percentage rate for all periods"},
// Check inputs
OpeningBalance, IF(ISNUMBER(OpeningBalance), OpeningBalance, 0),
Debt, IF(COLUMNS(Debt) <= 1, #Value!, Debt),
CFADS, IF(COLUMNS(CFADS) <= 1, #Value!, CFADS),
DSCR, IF( AND( ISNUMBER(DSCR), COLUMNS(DSCR) = 1), DSCR, #Value!),
APR, IF( AND( ISNUMBER(APR), COLUMNS(APR) = 1), APR, #Value!),
MonthsPerPeriod,IF(ISNUMBER(MonthsPerPeriod), MonthsPerPeriod, 1),
Period, IF(VALUE(DoNotUse) = 0, 1, DoNotUse),
// Assemble Error Messages Array (if errors found)
Errors, VSTACK(
OR( ISERROR( Debt)),
OR( ISERROR( CFADS)),
OR( ISERROR( DSCR)),
OR( ISERROR( APR))
),
Messages, FILTER(ErrMsgs, Errors, ""),
// Procedure
ModelPeriods, Columns(Debt),
Rate, APR / 12 * MonthsPerPeriod,
PeriodDebt, INDEX(Debt, 1, Period),
PeriodCFADS, INDEX(CFADS, 1, Period),
Principal, OpeningBalance + PeriodDebt,
Interest, Principal * Rate,
Payment, MIN(PeriodCFADS/DSCR, Principal + Interest),
ClosingDebt, Principal + Interest - Payment,
NewColumn, VSTACK(Principal, Interest, -Payment, ClosingDebt),
Result, IF( Period = ModelPeriods,
NewColumn,
HSTACK(
NewColumn,
DebtSculptFixedλ(
ClosingDebt,
Debt,
CFADS,
DSCR,
APR,
MonthsPerPeriod,
Period + 1
)
)
),
// Handle Error
Return, IF( AND( Errors), 2, IF( OR( Errors), 3, IF( OR( ISERROR( Result)), 2, 1))),
// Return Result
CHOOSE(Return, Result, Help, Messages)
)
);
/* FUNCTION NAME: DebtSculptVariableλ
DESCRIPTION:*//**Creates a Debt Sculpting schedule where APR and DSCR is set for each period*/
/* REVISIONS: Date Developer Description
Aug 08 2023 Craig Hatmaker Original Development
*/
DebtSculptVariableλ = LAMBDA(
// Parameter Declarations
[OpeningBalance],
[Debt],
[CFADS],
[DSCR],
[APR],
[MonthsPerPeriod],
[DoNotUse],
// Procedure
LET(
// Help
Help, TRIM(TEXTSPLIT(
"DESCRIPTION: →Creates a Debt Sculpting schedule where APR and DSCR is set for each period¶" &
"SUGGESTED ROW IDS: →Debt opening balance¶" &
" →Interest on Principal Balance¶" &
" →Principal repayments¶" &
" →Debt closing balance¶" &
"VERSION: →Aug 07 2023¶" &
"PARAMETERS:→¶" &
"OpeningBalance →(Optional) Model's debt on opening. Defaults to 0¶" &
"Debt →(Required) New debt taken on for the period¶" &
"CFADS →(Required) Cash Flow Available for Debt Services¶" &
"DSCR →(Required) Debt Service Coverage Ratio¶" &
"APR →(Required) Interest's Annual Percentage Rate¶" &
"MonthsPerPeriod →(Optional) Defaults to one month per period.¶" &
"DoNotUse →This is required internally for counting period columns¶" &
"→¶" &
"EXAMPLE: →=DebtSculptVariableλ(, Debt, CFADS, DSCR, APR)" ,
"→", "¶" )
),
// Error Messages
ErrMsgs, {"Debt must be a dynamic array holding new debt (if any) in each period";
"CFADS must be a dynamic array holding cash available for debt service in each period";
"DSCR must be a dynamic array holding debt service coverage ratio for each period";
"APR must be a dynamic array holding interest's annual percentage rate for each period"},
// Check inputs
OpeningBalance, IF(ISNUMBER(OpeningBalance), OpeningBalance, 0),
Debt, IF(COLUMNS(Debt) <= 1, #Value!, Debt),
CFADS, IF(COLUMNS(CFADS) <= 1, #Value!, CFADS),
DSCR, IF(COLUMNS(DSCR) <= 1, #Value!, DSCR),
APR, IF(COLUMNS(APR) <= 1, #Value!, APR),
MonthsPerPeriod,IF(ISNUMBER(MonthsPerPeriod), MonthsPerPeriod, 1),
Period, IF(DoNotUse = 0, 1, DoNotUse),
// Assemble Error Messages Array (if errors found)
Errors, VSTACK(
OR( ISERROR( Debt)),
OR( ISERROR( CFADS)),
OR( ISERROR( DSCR)),
OR( ISERROR( APR))
),
Messages, FILTER(ErrMsgs, Errors, ""),
// Procedure
ModelPeriods, Columns(Debt),
Rate, APR / 12 * MonthsPerPeriod,
PeriodRate, INDEX(Rate, 1, Period),
PeriodDebt, INDEX(Debt, 1, Period),
PeriodCFADS, INDEX(CFADS, 1, Period),
PeriodDSCR, INDEX(DSCR, 1, Period),
Principal, OpeningBalance + PeriodDebt,
Interest, Principal * PeriodRate,
Payment, MIN(PeriodCFADS/PeriodDSCR, Principal + Interest),
ClosingDebt, Principal + Interest - Payment,
NewColumn, VSTACK(Principal, Interest, -Payment, ClosingDebt),
Result, IF( Period = ModelPeriods,
NewColumn,
HSTACK(
NewColumn,
DebtSculptVariableλ(
ClosingDebt,
Debt,
CFADS,
DSCR,
APR,
MonthsPerPeriod,
Period + 1
)
)
),
// Handle Error
Return, IF( AND( Errors), 2, IF( OR( Errors), 3, IF( OR( ISERROR( Result)), 2, 1))),
// Return Result
CHOOSE(Return, Result, Help, Messages)
)
);
/* FUNCTION NAME: DebtSculptVariableLRVλ
DESCRIPTION:*//**Creates a Debt Sculpting schedule where APR and DSCR is set for each period*/
/* REVISIONS: Date Developer Description
Aug 08 2023 Craig Hatmaker Original Development
*/
DebtSculptVariableLRVλ = LAMBDA(
// Parameter Declarations
[OpeningBalance],
[Debt],
[CFADS],
[DSCR],
[APR],
[MonthsPerPeriod],
[DoNotUse],
// Procedure
LET(
// Help
Help, TRIM(TEXTSPLIT(
"DESCRIPTION: →Creates a Debt Sculpting schedule where APR and DSCR is set for each period¶" &
"SUGGESTED ROW IDS: →Debt opening balance¶" &
" →Interest on Principal Balance¶" &
" →Principal repayments¶" &
" →Debt closing balance¶" &
"VERSION: →Aug 07 2023¶" &
"PARAMETERS:→¶" &
"OpeningBalance →(Optional) Model's debt on opening. Defaults to 0¶" &
"Debt →(Required) New debt taken on for the period¶" &
"CFADS →(Required) Cash Flow Available for Debt Services¶" &
"DSCR →(Required) Debt Service Coverage Ratio¶" &
"APR →(Required) Interest's Annual Percentage Rate¶" &
"MonthsPerPeriod →(Optional) Defaults to one month per period.¶" &
"DoNotUse →This is required internally for counting period columns¶" &
"→¶" &
"EXAMPLE: →=DebtSculptVariableλ(, Debt, CFADS, DSCR, APR",
"→", "¶" )
),
// Error Messages
ErrMsgs, {"Debt must be a dynamic array holding new debt (if any) in each period";
"CFADS must be a dynamic array holding cash available for debt service in each period";
"DSCR must be a dynamic array holding debt service coverage ratio for each period";
"APR must be a dynamic array holding interest's annual percentage rate for each period"},
// Check inputs
OpeningBalance, IF(ISNUMBER(OpeningBalance), OpeningBalance, 0),
Debt, IF(COLUMNS(Debt) <= 1, #Value!, Debt),
CFADS, IF(COLUMNS(CFADS) <= 1, #Value!, CFADS),
DSCR, IF(COLUMNS(DSCR) <= 1, #Value!, DSCR),
APR, IF(COLUMNS(APR) <= 1, #Value!, APR),
MonthsPerPeriod,IF(ISNUMBER(MonthsPerPeriod), MonthsPerPeriod, 1),
Period, IF(DoNotUse = 0, 1, DoNotUse),
// Assemble Error Messages Array (if errors found)
Errors, VSTACK(
OR( ISERROR( Debt)),
OR( ISERROR( CFADS)),
OR( ISERROR( DSCR)),
OR( ISERROR( APR))
),
Messages, FILTER(ErrMsgs, Errors, ""),
// Procedure
ModelPeriods, Columns(Debt),
Rate, APR / 12 * MonthsPerPeriod,
PeriodRate, INDEX(Rate, 1, Period),
PeriodDebt, INDEX(Debt, 1, Period),
PeriodCFADS, INDEX(CFADS, 1, Period),
PeriodDSCR, INDEX(DSCR, 1, Period),
Principal, OpeningBalance + PeriodDebt,
Interest, InterestLRVλ(PeriodCFADS, PeriodDSCR, Principal, PeriodRate),
Payment, MIN(PeriodCFADS/PeriodDSCR - Interest, Principal - Interest),
ClosingDebt, Principal + Interest - Payment,
NewColumn, VSTACK(Principal, Interest, -Payment, ClosingDebt),
Result, IF( Period = ModelPeriods,
NewColumn,
HSTACK(
NewColumn,
DebtSculptVariableLRVλ(
ClosingDebt,
Debt,
CFADS,
DSCR,
APR,
MonthsPerPeriod,
Period + 1
)
)
),
// Handle Error
Return, IF( AND( Errors), 2, IF( OR( Errors), 3, IF( OR( ISERROR( Result)), 2, 1))),
// Return Result
CHOOSE(Return, Result, Help, Messages)
)
);
/* FUNCTION NAME: InterestLRVλ
DESCRIPTION:*//**Calculates debt sculpting interest using method presented by Lance Rubin*/
/* REVISIONS: Date Developer Description
Aug 09 2023 Craig Hatmaker Original Development
*/
InterestLRVλ= LAMBDA(
// Parameter Declarations
[CFADS],
[DSCR],
[Principal],
[InterestRate],
[DoNotUse],
Let(
// Help
Help, TRIM(TEXTSPLIT(
"DESCRIPTION: →Calculates debt sculpting interest using method presented by Lance Rubin¶" &
"VERSION: →Aug 08 2023¶" &
"PARAMETERS:→¶" &
"CFADS →(Required) Cash Flow Available for Debt Services for this period¶" &
"DSCR →(Required) Debt Service Coverage Ratio for this period¶" &
"Principal →(Required) Principal balance for this period¶" &
"InterestRate →(Required) Interest's Percentage Rate for this period (eg. APR/Days in this year * Days in this period)¶" &
"DoNotUse →This is required internally for calculating rates¶" &
"→¶" &
"EXAMPLES:→¶" &
"Result →Formula¶" &
"222.90 →=InterestLRVλ( 6666.37, 3.50, 90000, 3%/12)",
"→", "¶" )
),
// Error Messages
ErrMsgs, {"CFADS must be a single number holding cash available for debt service for this period";
"DSCR must be a single number holding debt service coverage ratio for this periods";
"Principal must be a single number holding this period's opening debt balance";
"InterestRate must be a single number holding this period's interest rate (APR/Days in this year * Days in this period)"},
// Check inputs
CFADS, IF( AND( ISNUMBER(CFADS), COLUMNS(CFADS) = 1), CFADS, #Value!),
DSCR, IF( AND( ISNUMBER(DSCR), COLUMNS(DSCR) = 1), DSCR, #Value!),
Principal, IF( AND( ISNUMBER(Principal), COLUMNS(Principal) = 1), Principal, #Value!),
InterestRate, IF( AND( ISNUMBER(InterestRate), COLUMNS(InterestRate) = 1), InterestRate, #Value!),
DoNotUse, IF(ISOMITTED(DoNotUse), 0, DoNotUse),
// Error messages to display (if any)
Errors, VSTACK(
OR( ISERROR( CFADS)),
OR( ISERROR( DSCR)),
OR( ISERROR( Principal)),
OR( ISERROR( InterestRate))
),
Messages, FILTER(ErrMsgs, Errors, ""),
// Procedure
Payment, IF(DoNotUse = 0, CFADS/DSCR, DoNotUse),
Interest, (Principal - Payment/2) * InterestRate,
Repayment, -CFADS/DSCR + Interest,
Balance, Principal + Interest + Repayment,
Result, If( ABS( Payment + Repayment ) < .01,
MAX(Interest, 0),
InterestLRVλ(CFADS, DSCR, Principal, InterestRate, -Repayment)
),
// Handle Error
Return, IF( AND( Errors), 2, IF( OR( Errors), 3, IF( OR( ISERROR( Result)), 2, 1))),
// Return Result
CHOOSE(Return, Result, Help, Messages)
)
);
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