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        "rendered": "<h2>The mortgage is the predictable part.<\/h2>\n<p>The mortgage is the predictable part. Year one buries people in inspections, repairs, insurance changes, escrow adjustments and property tax surprises nobody budgeted for.<\/p>\n<p>This is a complete system to plan for first year homeowner costs and keep the work under control: a<br \/>\n51-page workbook that walks through the method, and a<br \/>\n10-sheet tracker that does the counting for you.<\/p>\n<h3>Who this is for<\/h3>\n<p>First-time US homeowners in their first 12 months.<\/p>\n<h3>The workbook<\/h3>\n<p>Month-by-month first-year map, what to inspect and when, escrow and tax reassessment explained, warranty and contractor vetting.<\/p>\n<h3>The tracker<\/h3>\n<p>True cost of ownership model, repair reserve calculator, escrow change tracker, contractor quote comparison. 547 formulas calculate as you fill it in, so<br \/>\nyou are reading results rather than building a spreadsheet.<\/p>\n<h3>What you get<\/h3>\n<ul>\n<li><strong>51-page PDF workbook<\/strong> (15,245 words)<\/li>\n<li><strong>10-sheet Excel tracker<\/strong> with 547 formulas,<br \/>\n    Excel-format .xlsx, recalculated and mutation-tested in LibreOffice Calc. Microsoft Excel desktop and Google Sheets imports were not tested. Visible unlocked formulas, no macros or external data connections; verify any import before use.<\/li>\n<li><strong>Read-me-first guide<\/strong> so you know where to start<\/li>\n<li>Instant download, 146 KB, yours to keep<\/li>\n<\/ul>\n<h3>What this is not<\/h3>\n<p>Educational organization and arithmetic, not legal, tax, insurance, medical or investment advice. No property tax calculations or advice, insurance recommendations, home valuation claims or promised outcomes. Use actual servicer statements and local official sources. Safe observational home checks only, never hazardous DIY. Fictional demonstration inputs must be replaced before real use.<\/p>",
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