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Now\r\n\r\n## Installation\r\n\r\n```bash\r\nnpm install @archerjessop/financial-calculations\r\n```\r\n\r\n## Usage\r\n\r\n```javascript\r\nconst {\r\n  calculatePMT,\r\n  formatCurrency,\r\n  calculateCOCR15,\r\n  calculateNetToBuyer,\r\n  calculateROI\r\n} = require('@archerjessop/financial-calculations');\r\n\r\n// Calculate monthly payment\r\nconst payment = calculatePMT(300000, 0.0675, 30);\r\nconsole.log(formatCurrency(payment, true)); // $1,956\r\n\r\n// Calculate 15% down COCR\r\nconst cocr = calculateCOCR15(1000000, 90000);\r\nconsole.log(`COCR: ${(cocr * 100).toFixed(1)}%`);\r\n\r\n// Calculate costs\r\nconst costs = calculateNetToBuyer(1000000, 0.25);\r\nconsole.log(`Net to buyer: ${formatCurrency(costs.netToBuyer)}`);\r\n```\r\n\r\n## API Reference\r\n\r\n### Core Functions\r\n- `calculatePMT(principal, annualRate, years)` - Calculate monthly loan payment\r\n- `formatCurrency(amount, isMonthly)` - Format currency with K/M notation\r\n- `formatPercentage(value, decimals)` - Format percentage values\r\n\r\n### Real Estate Functions\r\n- `calculateCOCR15(price, noi, rate, years)` - Cash-on-cash return for 15% down\r\n- `calculateCOCR30(price, noi, rate, years)` - Cash-on-cash return for 30% down\r\n- `calculateNetToBuyer(price, downPercent, constants)` - Total buyer costs\r\n- `calculateAppreciation(price, rate, years, balloon, dscr)` - Appreciation scenarios\r\n\r\n### Business Functions\r\n- `calculateROI(gain, cost)` - Return on investment\r\n- `calculateROE(netIncome, equity)` - Return on equity\r\n- `calculateNPV(cashFlows, discountRate, investment)` - Net present value\r\n\r\n### Aliases\r\n- `calculateBalloonBalance()` - Alias for calculateRemainingBalance\r\n- `calculateDSCRPayment()` - Calculate DSCR payment (70% of price)\r\n- `calculateJVPayment()` - Calculate JV payment based on down payment\r\n\r\n## License\r\n\r\nMIT","readmeFilename":"README.md"}