What problem does it solve? Making big household financial decisions — buying a house, renting out an ADU, house-hacking bedrooms, budgeting renovations — requires comparing many scenarios with consistent math, and ad-hoc spreadsheets quickly become unauditable and error-prone. ## Core Features & Use Cases - Scenario Modeling: Compares baseline ownership against rental scenarios (ADU only, bedroom rentals, combinations) with mortgage, tax, vacancy, and appreciation math. - Auditable Outputs: Writes inputs.yaml, report.md, and comparison.md to ~/Documents/personal-cfo/ with an archive index for revisiting past analyses. - Sensitivity Analysis: Stress-tests scenarios against rate hikes, rent shortfalls, renovation overruns, and vacancy spikes. - Use Case: A couple considering an $850K house with an ADU runs /personal-cfo house to compare six rental configurations over a 10-year horizon, including equity build-up versus an S&P 500 alternative. ## Quick Start Ask the agent to run /personal-cfo house and answer the structured questionnaire about purchase price, mortgage terms, renovations, and rental estimates to get a scenario comparison table.
