The Gōketsu mortgage
In mint condition, your property would be worth R102,300,000.
Jiraiya got it half off, with a 10-year mortgage of R51,150,000 principal with a R5,000,000 down payment and a 12.5% annual interest rate.
Your monthly mortgage payment is R675,526
Between the mortgage and our current Hagoromo debt, we need to pay R2,675,526 monthly, which is kinda pricey.
At R687 per minute, we could smith enough Skywalkers to cover everything in 3895 minutes (65 hours each month - divided however between Hazou and Kagome)
We also get R38,270 in cash every month (not counting missions), which is 56 minutes of Skywalker smithing time.
If we take the Nara deal of reducing our portion of the Hagoromo debt in half, then we would only need 41 hours each month of seal smithing.
If we build a war chest of R51,150,000 (1,241 hours) we can eliminate our mortgage, save money on the interest longterm, and combined with Nara assuming half the debt of the Hagoromo deal means we'll only need to pay R1,000,000 each month - which comes out to 24 hours of Skywalker smithing each month.
Noteworthy, we probably still have at least R9.5-8,000,000 sitting in the bank.
Really, we should pay as large a chunk of the mortgage as we can since reducing it early substantially reduces our overall expense and monthly payments since it has a 12.5% interest rate.
We really need to find out if the cost of funding a mission is a greater cost than the 50% bonus clans get on missions.
For illustration, if a mission costs R100 and we complete it then we get R150. If it only costs R125 to fund then we should fund a whole bunch of missions that we take ourselves so that we can get our conditional payments. Though, I'll note, that if it costs more than R130 (illustrative, not actual) once we reach the subsistence non-taxed amount (R42,400, actual) from missions we would no longer make a profit - but we'd only reach that amount after earning total mission pay (including the 50% bonus) of R318,000 (actual).
