{
  "title": "tool-definitions",
  "kind": "Homzora reference dataset; not market observations",
  "license": "CC BY 4.0 for Homzora-authored compilation; external sources retain their terms",
  "version_date": "2026-09-18",
  "rows": [
    {
      "tool": "Rent target",
      "formula_or_method": "annual_gross_income / 12 * housing_share / 100 - extras; floor at zero",
      "limitations": "User-defined budget; not qualification"
    },
    {
      "tool": "Move-in cash",
      "formula_or_method": "rent + deposit + moving + other",
      "limitations": "Does not establish legality of charges"
    },
    {
      "tool": "Cash flow",
      "formula_or_method": "rent * (1 - vacancy/100) - operating_costs - debt_service",
      "limitations": "Scenario; not forecast"
    },
    {
      "tool": "Commute comparison",
      "formula_or_method": "rent + housing_extras + travel; hours=one_way_minutes*2*days/60",
      "limitations": "User inputs; no live route or fare data"
    },
    {
      "tool": "Neighborhood shortlist",
      "formula_or_method": "Filter user-entered monthly housing quotes against user ceiling",
      "limitations": "Unpriced areas not assessed; not a ranking"
    }
  ]
}