Mortgage vs Rent Comparator qualification

Ledger verdict

Verified with errata that must be applied at binding time.

Status

VERIFIED_WITH_ERRATA

Tranche

tranche-6

Review vectors

4

Ledger rows

1

Applied errata

[
  {
    "vector": "1-4",
    "field": "total_rent_cost / buy_minus_rent / break_even",
    "wrong": "rent cost includes the renter KEEPING their down payment (e.g. v1: 25545.65 rent + 63000 grown savings = 88545.65)",
    "correct": "total_rent_cost = rent outlays only (v1: 25545.65 under her stated monthly-growth convention); the down payment is the renter's asset, not a cost — at most the foregone RETURN belongs on the buy side",
    "cause": "economically inverted model that makes buying look better by ~the whole down payment; ALSO internally inconsistent: v1/v2/v4 add the grown balance, v3 adds the raw 50000 with no growth"
  }
]

Adversarial re-test context

The full catalog was re-tested from boundary, convention, and self-check angles in 2,787 requests. Five genuine computational defects were independently verified and corrected. This page reports the current ledger state for this instrument; it does not imply product deployment or interface qualification.

Release gate

Bind every attached correction, replay the affected vectors, enforce boundary validation, and preserve evidence before describing the executable surface as qualified.

Other records

Sources and evidence

These pointers bind the page to evidence. They do not grant authority or collapse verification into deployment.

• VERIFIED_LEDGER.json
• STRESS_TEST_RECEIPT.json
• tranche errata record