https://reivaultpro.com/assets/FinancingChallengePage-Dgt2AwSA.js

1import{E as $,r as b,j as e,J as M,K as z,w as G,a6 as O,L as H,G as Y}from"./index-D-ZsJRgs.js";import{G as B}from"./GameShell-Dz-02e1o.js";import{s as W,d as n}from"./gameUtils-DNdqJwxn.js";import{u as _,a as K,I as Q,C as J}from"./InvestorPerformanceReport-DRaqszBt.js";import{T as A}from"./trophy-CxKx0Zlz.js";import{C as U}from"./circle-x-Ce-bOZYn.js";import{C as V}from"./circle-alert-DQgE_1Vd.js";import"./mic-Bk3nuRO3.js";import"./chart-column-Dd4RZPoW.js";const C="financing-challenge",v=250,r={price:2e5,rent:1800},p=1200,y=(r.rent/p).toFixed(2),d={q1:"dscr-loan",q2:"down-25",q3:"dscr-formula",q4:"hard-money-flip",q5:"rate-vs-term"},T={q1:50,q2:50,q3:50,q4:50,q5:50};function P(c,s){return s===d[c]?T[c]:0}function f({val:c,selected:s,correct:u,revealed:m,onClick:w,children:t}){let i="w-full text-left px-4 py-3.5 rounded-xl border text-sm font-medium transition-all flex items-center gap-3 ";return m?i+=u?"bg-emerald-500/15 border-emerald-500/50 text-emerald-300":s?"bg-error-500/15 border-error-500/40 text-error-300":"bg-white/3 border-white/8 text-dark-600":i+=s?"bg-gold-400/15 border-gold-400/40 text-white":"bg-white/4 border-white/10 text-dark-300 hover:bg-white/8 hover:text-white cursor-pointer",e.jsxs("button",{className:i,onClick:w,disabled:m,children:[e.jsx("span",{className:`w-4 h-4 rounded-full border-2 flex-shrink-0 ${m&&u?"border-emerald-400":m&&s?"border-error-400":s?"border-gold-400 bg-gold-400/20":"border-white/20"}`}),t]})}function oe(){const{user:c}=$(),s=_(),{showTip:u,dismissTip:m,activeTip:w}=K(),[t,i]=b.useState("intro"),[l,j]=b.useState({q1:null,q2:null,q3:null,q4:null,q5:null}),[q,N]=b.useState(!1),x=Object.keys(d).reduce((a,o)=>a+P(o,l[o]),0),k=["q1","q2","q3","q4","q5"],S=k.indexOf(t),F=t==="result"?100:t==="intro"?0:S/5*100,L={q1:"financing-dscr",q2:"answer-selected",q3:"financing-dscr",q4:"financing-hard-money",q5:"financing-conventional"},g=(a,o,h)=>{s.playSelect(),j(E=>({...E,[a]:o})),i(h),s.playNextQuestion();const D=L[a];D&&u(D)},I=b.useCallback(async()=>{N(!0),s.playResults(x,v),c&&await W(c.id,C,x,v,l),N(!1),i("result"),window.scrollTo({top:0,behavior:"smooth"})},[c,x,l,s]),R=()=>{s.playReset(),i("intro"),j({q1:null,q2:null,q3:null,q4:null,q5:null}),window.scrollTo({top:0,behavior:"smooth"})};return e.jsxs(B,{title:"Financing Challenge",metaTitle:"Financing Challenge — Real Estate Loan Strategy Simulator | REI Vault Pro",metaDescription:"Choose the best loan strategy using DSCR loans, hard money, private money, bridge loans, and more in this real estate financing simulation.",slug:C,metaKeywords:"financing challenge game, DSCR loan simulator, hard money loan game, real estate financing practice, creative financing simulator",metaJsonLd:{"@context":"https://schema.org","@type":"SoftwareApplication",name:"Financing Challenge",applicationCategory:"Game",operatingSystem:"Web",description:"Choose optimal real estate loan strategies across DSCR, hard money, private money, and bridge loans.",offers:{"@type":"Offer",price:"0",priceCurrency:"USD"},url:"https://www.REIVaultPro.com/investor-games/financing-challenge"},coachAccent:"#14b8a6",coach:{objective:"Choosing the wrong loan can kill a great deal. In this game, you'll learn how different loan types work — DSCR loans, hard money, private money, conventional, FHA, and bridge loans — and practice picking the right one for each situation. The right financing can mean tens of thousands of dollars saved.",rules:["You'll analyze a single property deal across 5 financing scenarios.","Each question presents a different financing challenge or opportunity.","Consider the loan rate, term, down payment, and qualifying criteria.","Some loan types are only available for specific property types or investor situations.","Choose the loan strategy that maximizes your profit and minimizes risk."],scoring:["Best loan type selection: 50 points.","DSCR calculation accuracy: 50 points.","Rate vs. term decision: 25 to 50 points.","Creative financing scenario: 50 points.","Completion bonus: 25 points. Max: 250 points."],levels:["Rookie Investor — 0 to 249 points.","Deal Analyzer — 250 to 499 points.","Cash Flow Expert — 500 to 999 points.","Portfolio Builder — 1,000 to 1,999 points.","Market Pro — 2,000 to 4,999 points.","Deal Room Legend — 5,000+ points."],profitGoal:"Smart financing can increase your cash-on-cash return by 2–5% on the same deal. Master financing and you'll close more deals with less cash, scale faster, and keep more profit. Your goal each round is to find the loan that gives you the best return on your investment.",tips:["DSCR loans qualify based on rental income, not your personal income — great for investors.","Hard money is fast and flexible but expensive — use it for short-term flips only.","Private money from friends or family often has the best terms if relationships allow.","DSCR ratio above 1.25 means rent covers the payment with 25% cushion."]},children:[t==="intro"&&e.jsxs("div",{className:"space-y-8",children:[e.jsxs("div",{className:"text-center",children:[e.jsxs("div",{className:"inline-flex items-center gap-2 px-3 py-1.5 rounded-full bg-teal-500/15 border border-teal-500/30 text-teal-400 text-[10px] font-bold uppercase tracking-widest mb-5",children:[e.jsx(M,{size:11})," Beginner–Intermediate · 250 pts"]}),e.jsx("h1",{className:"font-display text-3xl sm:text-4xl font-bold text-white mb-3",children:"Financing Challenge"}),e.jsx("p",{className:"text-dark-400 text-sm max-w-xl mx-auto leading-relaxed mb-8",children:"Financing is the most powerful tool in real estate. The wrong loan can kill a deal. The right loan can build a portfolio. Answer 5 financing questions to prove your knowledge."})]}),e.jsx("div",{className:"bg-white border border-dark-200 rounded-3xl p-6 grid grid-cols-2 sm:grid-cols-4 gap-4 shadow-sm",children:[{l:"Property Price",v:n(r.price)},{l:"Monthly Rent",v:`${n(r.rent)}/mo`},{l:"Est. 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Which loan type is designed specifically for investment property cash flow qualification?"}),[{val:"dscr-loan",l:"DSCR Loan — qualifies based on property cash flow, not your W-2"},{val:"fha",l:"FHA Loan — lowest down payment option"},{val:"conventional",l:"Conventional Loan — requires W-2 income verification"},{val:"hard-money",l:"Hard Money — always the best for rentals"}].map(a=>e.jsx(f,{val:a.val,selected:l.q1===a.val,correct:a.val===d.q1,revealed:!1,onClick:()=>g("q1",a.val,"q2"),children:a.l},a.val))]}),t==="q2"&&e.jsxs("div",{className:"bg-white border border-dark-200 rounded-3xl p-6 space-y-4 shadow-sm",children:[e.jsxs("p",{className:"text-dark-900 font-bold text-base",children:["For a ",n(r.price)," investment property, what is the standard minimum down payment for a DSCR or investment conventional loan?"]}),[{val:"down-25",l:`25% — ${n(r.price*.25)} down on a ${n(r.price)} property`},{val:"down-10",l:`10% — ${n(r.price*.1)} down`},{val:"down-3",l:"3.5% — FHA minimum down"},{val:"down-50",l:"50% — lenders always require half"}].map(a=>e.jsx(f,{val:a.val,selected:l.q2===a.val,correct:a.val===d.q2,revealed:!1,onClick:()=>g("q2",a.val,"q3"),children:a.l},a.val))]}),t==="q3"&&e.jsxs("div",{className:"bg-white border border-dark-200 rounded-3xl p-6 space-y-4 shadow-sm",children:[e.jsxs("p",{className:"text-dark-900 font-bold text-base",children:["A lender requires DSCR of 1.25. Monthly rent is ",n(r.rent),", loan payment is ",n(p),". Does this deal qualify?"]}),[{val:"dscr-formula",l:`Yes — DSCR = ${y} (${n(r.rent)} ÷ ${n(p)}). Above 1.25 minimum.`},{val:"dscr-no",l:"No — DSCR is below the 1.25 minimum"},{val:"dscr-ignore",l:"DSCR doesn't matter if the rent looks good"},{val:"dscr-unclear",l:"Can't tell — need NOI not rent"}].map(a=>e.jsx(f,{val:a.val,selected:l.q3===a.val,correct:a.val===d.q3,revealed:!1,onClick:()=>g("q3",a.val,"q4"),children:a.l},a.val))]}),t==="q4"&&e.jsxs("div",{className:"bg-white border border-dark-200 rounded-3xl p-6 space-y-4 shadow-sm",children:[e.jsx("p",{className:"text-dark-900 font-bold text-base",children:"You're flipping a house and need to close in 10 days. What's the best loan type?"}),[{val:"hard-money",l:"Hard Money Loan — asset-based, closes in days, designed for flips"},{val:"dscr-loan",l:"DSCR Loan — best for any short-term deal"},{val:"fha",l:"FHA Loan — government-backed, fast closing"},{val:"conventional",l:"Conventional Loan — standard 30-day process"}].map(a=>e.jsx(f,{val:a.val,selected:l.q4===a.val,correct:a.val===d.q4,revealed:!1,onClick:()=>g("q4",a.val,"q5"),children:a.l},a.val))]}),t==="q5"&&e.jsxs("div",{className:"bg-white border border-dark-200 rounded-3xl p-6 space-y-4 shadow-sm",children:[e.jsx("p",{className:"text-dark-900 font-bold text-base",children:"A lender offers you 7.5% rate / 30-year term or 7.0% rate / 15-year term. You're buying a long-term rental. Which matters MORE?"}),[{val:"rate-vs-term",l:"Both matter — the 15-yr builds equity faster but has higher payments that can hurt cash flow. Run the cash flow numbers for each."},{val:"lowest-rate",l:"Always choose lowest rate — rate is everything"},{val:"30-always",l:"Always choose 30-year — lower payment always wins"},{val:"15-always",l:"Always choose 15-year — pay off debt fastest"}].map(a=>e.jsx(f,{val:a.val,selected:l.q5===a.val,correct:a.val===d.q5,revealed:!1,onClick:()=>{s.playSelect(),j(o=>({...o,q5:a.val}))},children:a.l},a.val)),l.q5&&e.jsx("div",{className:"pt-2 text-center",children:e.jsxs("button",{onClick:I,disabled:q,className:"inline-flex items-center gap-2 px-8 py-3.5 rounded-2xl text-sm font-bold text-dark-950 hover:brightness-110 active:scale-95",style:{background:"linear-gradient(135deg,#d4af37,#f6c90e,#d4af37)"},children:[e.jsx(A,{size:15}),q?"Saving...":"See Results"]})})]})]}),t==="result"&&e.jsxs("div",{className:"space-y-8",children:[e.jsxs("div",{className:"bg-dark-950 border border-gold-400/20 rounded-3xl p-8 text-center",children:[e.jsx("div",{className:"w-14 h-14 roun

1ded-2xl metallic-gold flex items-center justify-center mx-auto mb-4 shadow-gold",children:e.jsx(A,{size:26,className:"text-dark-950"})}),e.jsx("p",{className:"text-dark-400 text-xs uppercase tracking-widest mb-2",children:"Financing Challenge — Score"}),e.jsx("p",{className:"font-display text-6xl font-bold text-white mb-1",children:x}),e.jsxs("p",{className:"text-dark-400 text-sm mb-6",children:["out of ",v," points"]}),e.jsx("div",{className:"grid grid-cols-5 gap-2 max-w-lg mx-auto",children:Object.keys(d).map((a,o)=>{const h=P(a,l[a])>0;return e.jsxs("div",{className:`rounded-xl p-2 text-center border ${h?"bg-emerald-500/15 border-emerald-500/30":"bg-error-500/15 border-error-500/30"}`,children:[h?e.jsx(G,{size:14,className:"text-emerald-400 mx-auto mb-1"}):e.jsx(U,{size:14,className:"text-error-400 mx-auto mb-1"}),e.jsxs("p",{className:"text-[9px] font-bold text-white",children:["Q",o+1]}),e.jsx("p",{className:`text-[9px] font-mono ${h?"text-emerald-400":"text-error-400"}`,children:h?`+${T[a]}`:"0"})]},a)})})]}),e.jsxs("div",{className:"bg-white/4 border border-white/10 rounded-3xl p-6",children:[e.jsxs("p",{className:"text-white font-bold text-sm flex items-center gap-2 mb-4",children:[e.jsx(V,{size:15,className:"text-gold-400"}),"Financing Playbook"]}),e.jsxs("div",{className:"space-y-3 text-sm text-dark-300 leading-relaxed",children:[e.jsxs("p",{children:[e.jsx("span",{className:"text-dark-900 font-semibold",children:"DSCR Loans:"})," Designed for self-employed investors. No W-2, no tax returns — lenders look at the property's Debt Service Coverage Ratio instead. Minimum DSCR of 1.20–1.25 is standard."]}),e.jsxs("p",{children:[e.jsx("span",{className:"text-dark-900 font-semibold",children:"Down Payment:"})," Investment properties require 20–25% down on conventional/DSCR loans. Budget for this upfront — it directly affects your monthly cash flow and ROI."]}),e.jsxs("p",{children:[e.jsx("span",{className:"text-dark-900 font-semibold",children:"DSCR Calculation:"})," Gross Rent ÷ PITIA (Principal + Interest + Taxes + Insurance + HOA). ",n(r.rent)," ÷ ",n(p)," = ",y,". Above 1.25 = qualified."]}),e.jsxs("p",{children:[e.jsx("span",{className:"text-dark-900 font-semibold",children:"Hard Money:"})," Short-term, asset-based loans from private lenders. Close in 5–10 days. Rates of 10–14%, fees of 2–4 points. Perfect for flips, terrible for long-term holds."]}),e.jsxs("p",{children:[e.jsx("span",{className:"text-dark-900 font-semibold",children:"Rate vs Term:"})," Never choose blindly. A 15-year at 7.0% may have $400/mo higher payment than a 30-year at 7.5%. Run your cash flow numbers. Positive cash flow sustains your portfolio."]})]})]}),e.jsx(Q,{data:{slug:C,gameName:"Financing Challenge",score:x,maxScore:v,cashFlow:r.rent-p,extraStats:[{label:"DSCR",value:`${y}x`,color:"#38bdf8"}],accentColor:"#38bdf8"},onPlayAgain:R}),e.jsxs("div",{className:"grid grid-cols-2 gap-3",children:[e.jsxs("button",{onClick:R,className:"flex items-center justify-center gap-2 py-3 px-6 rounded-xl border border-white/15 text-white text-sm font-semibold hover:bg-white/5 transition-colors",children:[e.jsx(O,{size:14}),"Play Again"]}),e.jsxs(H,{to:"/investor-games",className:"flex items-center justify-center gap-2 py-3 px-6 rounded-xl border border-white/15 text-white text-sm font-semibold hover:bg-white/5 transition-colors",children:[e.jsx(Y,{size:14}),"More Games"]})]})]}),e.jsx(J,{active:w,onDismiss:m})]})}export{oe as default};