{"model":"pmi-removal","specVersion":"1.0.0","specUrl":"/api/v1/models/pmi-removal/spec","inputs":{"homePrice":{"kind":"float","min":50000,"max":3000000},"downPaymentPct":{"kind":"float","min":0.03,"max":0.19},"annualRate":{"kind":"float","min":0.005,"max":0.15},"termMonths":{"kind":"int","min":120,"max":480},"pmiMonthly":{"kind":"float","min":20,"max":1000},"cancelLtv":{"kind":"choice","values":["0.80","0.78"]}},"arrayInputs":{},"constraints":[],"sentinels":[],"facts":[],"disclaimer":"Illustrative planning model, not financial advice. Outputs follow the published model spec exactly; read the spec for assumptions and exclusions before relying on any number."}