olsch01 94c7c90b91 fix: use project estimated_cost for reserve funded ratio calculation
The health score funded ratio was only reading from the reserve_components
table (replacement_cost), but users enter their reserve data on the
Projects page using estimated_cost. When reserve_components is empty,
the funded ratio now falls back to reserve-funded projects for:
- Total replacement cost (estimated_cost)
- Component funding status (current_fund_balance)
- Urgent components due within 5 years (remaining_life_years)
- AI prompt component detail lines

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>
2026-03-11 15:46:56 -04:00
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HOA Financial Intelligence Platform - Multi-tenant financial management for homeowner associations
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