Mortgage Calculator

home_purchase_option.rb

class HomePurchaseOption
	def initialize(address,property_value,selling_price,down_payment)
		@address = address
		@property_value = property_value
		@selling_price = selling_price
		@down_payment = down_payment
	end

  def address
    @address
  end

  #SHOULD CHANGE BASED ON PAYMENTS AND INTEREST ACCUED:
  # def mortgage_balance
  #   @selling_price - @down_payment
  # end

	#the amount of cash value you have in the home
  #This would be difference in your property's value
  #and your mortgage balance
  def equity_after_sale
    @property_value.to_i - required_mortgage
  end

  #the amount of money you must borrow to purchase the home
  def required_mortgage
    @selling_price.to_i - @down_payment.to_i
  end


  # def mortgage_payment
  #   monthly_mortgage_payment = required_mortgage /

  #how much your insurance cost will cost over `years` years
  def insurance_cost(years)
    payments = years*12
    monthly_mortgage_payment = required_mortgage / payments
    if pmi_required?
      monthly_insurance_payment = monthly_mortgage_payment * 0.005
      monthly_insurance_payment * payments
    else
      0
    end
  end

  private
  #determine if the purchaser must pay insurance
  def pmi_required?
    if equity_after_sale < 0.2*@property_value.to_i
      return true
    end
  end
end

mortgage_calc.rb

require 'csv'
require_relative 'home_purchase_option'

properties = []

CSV.foreach("./properties.csv", headers: true) do |row|
	properties << HomePurchaseOption.new(row['Address'], row['Property Value'], row['Selling Price'], row['Down Payment'])
end

properties.each do |prop|
	puts ""
	puts "**** #{prop.address} ****"
	puts "Mortgage: #{prop.required_mortgage}"
	puts "2 Years of Insurance : #{prop.insurance_cost(2)}"
end

properties.csv