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🏠 House Purchase Plan

Target: $2.5M · Los Angeles · 3-Year Plan
Financial Snapshot
$2.0M
Net Worth
$700K
Liquid / Accessible
$1.0M
Roth IRA
Locked — contributions may be withdrawable
$300K
Traditional IRA
Locked until 59½
Income (Qualifying for Mortgage)
$151K
Andrew — Tesla
-$10K
Huyen — Business (net loss)
Hurts qualification — flip to breakeven
$105K*
Trading (annualized pace)
*Not countable until 2 years on tax returns
$141K
Qualifying Income Today
Tesla + Huyen net. Trading not counted yet.
Current: $141K Need: $382K (50% down, 33% DTI)
Mortgage Calculator
Home Price $2,500,000
Down Payment 20% ($500K)
Interest Rate 5.990%
$14,983
Total Monthly Payment
$11,979
P&I
$2,604
Property Tax
$400
Insurance
$2,000,000
Loan Amount
Income needed: $643K (28% DTI) · $545K (33% DTI)
Down Payment Scenarios at $2.5M
Liquid Savings Projection
Assumes: Tesla take-home $8.5K/mo + Trading $16K/mo target − $7K/mo expenses = $17.5K/mo saved
50% down target: $1.25M
3-Year Roadmap
Key Numbers to Track
$2,604
Monthly LA Property Tax
1.25% of $2.5M / 12
$382K
Min Income (50% down)
At 33% DTI ratio
$210K
Annual Savings Potential
At $16K/mo trading target
2 yrs
Trading Income Clock
File 2025 taxes → countable by 2028
RENTAL SEARCH
Rental Criteria
$3,500/mo max
2 bed / 2 bath
90019 · Larchmont · Pasadena
Spanish hacienda style
Baby due Sep 2026
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Last updated: · Vesper Mission Control