/**
 * Calculates the maximum purchase price (and other variables) for a property a person can afford and the related mortgage it would qualify for based on annual income, down payment, mortgage interest rate, and additional options.
 *
 * @example
 * Basic usage
 * ```ts
 * // With an annual income of $100,000, a down payment of $25,000, and a rate of 5.25%.
 * const results = maxMortgageAmount(100_000, 25_000, 5.25)
 * // returns...
 * // {
 * //   annualIncome: 100000,
 * //   downPayment: 25000,
 * //   rate: 5.25,
 * //   rateTested: 7.25,
 * //   purchasePrice: 307000,
 * //   mortgageAmount: 293280,
 * //   insurancePremium: 11280,
 * //   monthlyMortgagePayment: 2099.65,
 * //   grossDebtServiceRatio: 0.32,
 * //   totalDebtServiceRatio: 0.32,
 * //   reason: "debt limit",
 * //   monthlyDebtPayment: 0,
 * //   monthlyHeating: 175,
 * //   isHeatingEstimate: true,
 * //   monthlyTax: 385,
 * //   isTaxEstimate: true,
 * //   monthlyCondoFees: 0,
 * // }
 * ```
 *
 * @param annualIncome - The annual income of the borrower.
 * @param downPayment - The amount of money paid upfront.
 * @param rate - The mortgage interest rate.
 * @param options - Additional options such.
 * @param  options.monthlyDebtPayment - The monthly debt payment of the borrower. Defaults to 0.
 * @param  options.monthlyHeating - The monthly heating cost. Defaults to $175.
 * @param  options.monthlyTax - The monthly property tax. Default to 1.5% of the purchase price.
 * @param  options.monthlyCondoFees - The monthly condo fees. Defaults to 0.
 *
 * @category Finance
 **/
export default function mortgageMaxAmount(annualIncome: number, downPayment: number, rate: number, options?: {
    monthlyDebtPayment?: number;
    monthlyHeating?: number;
    monthlyTax?: number;
    monthlyCondoFees?: number;
}): {
    annualIncome: number;
    downPayment: number;
    rate: number;
    rateTested: number;
    purchasePrice: number;
    mortgageAmount: number;
    insurancePremium: number;
    monthlyMortgagePayment: number;
    grossDebtServiceRatio: number;
    totalDebtServiceRatio: number;
    reason: string;
    monthlyDebtPayment: number;
    monthlyHeating: number;
    isHeatingEstimate: boolean;
    monthlyTax: number;
    isTaxEstimate: boolean;
    monthlyCondoFees: number;
};