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Fix AI prompt ambiguity around annual dues income vs. collection frequency

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Clarify that annualIncome is the total per year, and payment frequency
describes the cash flow timing of installments — not a multiplier on income.
Include per-installment dollar amount so the model understands cash float correctly.

Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>
This commit is contained in:
olsch01
2026-03-11 11:06:47 -04:00
parent 4bddd96b40
commit ec0b8feac5
1 changed files with 9 additions and 6 deletions
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15
server.js
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@@ -207,21 +207,24 @@ app.post('/api/calculate', async (req, res) => {
return res.status(400).json({ error: 'homesites and annualIncome are required.' });
}
const fmt = n => '$' + Math.round(n).toLocaleString();
const freqLabel = { monthly: 'monthly', quarterly: 'quarterly', annually: 'annual' }[paymentFreq] || 'monthly';
const typeLabel = { sfh: 'single-family home', townhomes: 'townhome', condos: 'condo', mixed: 'mixed-use' }[propertyType] || '';
const fmt = n => '$' + Math.round(n).toLocaleString();
const typeLabel = { sfh: 'single-family home', townhomes: 'townhome', condos: 'condo', mixed: 'mixed-use' }[propertyType] || '';
const freqDivisor = { monthly: 12, quarterly: 4, annually: 1 }[paymentFreq] || 12;
const installmentAmt = annualIncome / freqDivisor;
const freqDesc = { monthly: 'monthly installments', quarterly: 'quarterly installments', annually: 'one lump-sum annual payment' }[paymentFreq] || 'monthly installments';
const prompt = `You are a conservative HOA financial advisor. Given the following community data, provide a brief (3-4 sentence) plain-English investment income recommendation. Use only conservative, realistic estimates. Do not speculate beyond what the data supports.
Community: ${homesites}-unit ${typeLabel} association
Annual dues income: ${fmt(annualIncome)} (collected ${freqLabel})
Total annual dues income: ${fmt(annualIncome)} per year
Dues collection schedule: collected in ${freqDesc} of approximately ${fmt(installmentAmt)} per cycle (this affects operating cash flow timing, not the total annual amount)
Reserve fund balance: ${fmt(reserveFunds || 0)}
Interest income earned in 2025: ${fmt(interest2025 || 0)}
Provide a recommendation focused on:
1. How much of the reserve funds could conservatively be invested and in what vehicle (e.g. CD ladder, money market, T-bills)
2. How much operating cash could earn interest between collection and expense periods
3. A realistic estimated annual interest income potential
2. How much operating cash float could earn interest between each collection cycle and upcoming expenses, given the ${freqDesc} schedule
3. A realistic estimated annual interest income potential based on the full ${fmt(annualIncome)} annual dues total
4. A single sentence comparing that to their 2025 actual if provided
Keep the tone professional and factual. No bullet points — flowing paragraph only.`;