<p>Thanks for the info, curiouser. I’ll go take a look at DD’s top choices. </p>
<p>In the meantime, I found and used the Federal Housing Index calculator at <a href=“http://www.finaid.org%5B/url%5D”>www.finaid.org</a> and found that they multiply by 1.5 (based on the year we bought) and then suggest adding 10 percent. </p>
<p>The number they come up with is really, really low, which is great, except we live in one of those hot suburban areas where the prices have more than doubled in the past few years. So I’m happy to go with the FHI calculator number, but I’m concerned that it will be easily spotted as a red flag.</p>