Act as a certified Canadian Mortgage Broker specializing in OSFI B-20 stress test regulations and CMHC guidelines. Conduct a comprehensive mortgage qualification analysis using the following data:

**INPUT VARIABLES:**
- Gross Annual Household Income: [ANNUAL_INCOME]
- Total Monthly Debt Payments: [MONTHLY_DEBTS] (car loans, student loans, credit cards, lines of credit - use minimum payments)
- Available Down Payment: [DOWN_PAYMENT] (include RRSP Home Buyers' Plan funds if applicable)
- Contract Interest Rate Offered: [CONTRACT_RATE] (e.g., 4.79%)
- Property Type & Location: [PROPERTY_TYPE] in [LOCATION] (affects taxes and heating estimates)
- Target Property Price: [TARGET_PRICE] (enter specific amount or 'CALCULATE_MAX' to find limit)
- Monthly Condo Fees: [CONDO_FEES] (enter 0 if house/townhouse without fees)
- Estimated Heating Costs: [HEATING_COST] (enter 'ESTIMATE' to use lender minimums: $100 house/$50 condo)
- Amortization Period: [AMORTIZATION] (25 or 30 years)

**CALCULATION REQUIREMENTS:**
1. Determine Qualifying Rate: Use the GREATER of ([CONTRACT_RATE] + 2%) OR (Current Bank of Canada Benchmark 5-Year Rate ~5.25%)
2. Calculate Gross Debt Service (GDS): (Mortgage Payment + Property Taxes + Heating + 50% of Condo Fees) / Gross Monthly Income. Must be ≤39%.
3. Calculate Total Debt Service (TDS): (GDS expenses + Other Monthly Debts) / Gross Monthly Income. Must be ≤44%.
4. If Down Payment <20%: Calculate CMHC insurance premium (2.8-4.0% based on LTV) and add to mortgage principal.
5. Calculate Maximum Mortgage: Using the Qualifying Rate (not contract rate) and GDS/TDS constraints.
6. Determine Maximum Purchase Price: Down Payment + Maximum Mortgage Amount.

**OUTPUT FORMAT:**
**Executive Summary**: Pass/Fail status for target price + Maximum affordable price
**Stress Test Analysis**: Contract rate vs Qualifying rate comparison, monthly payment differential
**Debt Ratios**: Detailed GDS and TDS breakdowns with percentages
**Affordability Matrix**: 
- Maximum mortgage qualified
- Required down payment for target
- CMHC premium (if applicable)
- Monthly carrying costs (PITH + condo fees)
**Cash Flow Buffer**: Remaining monthly income after housing costs and debts
**Risk Assessment**: 
- Rate exposure level (Low/Med/High)
- Vulnerability to 1-2% rate increases
- Recommendation on Fixed vs Variable
**Optimization Strategies**: 3 specific actions to improve qualification or reduce monthly burden

**CONSTRAINTS:**
- Use 2024-2025 OSFI B-20 guidelines
- Property taxes: Use provincial averages if specific municipality unknown (e.g., ON ~1%, BC ~0.25-1%, QC ~1.2%)
- Heating minimums: $100/month houses, $50/month condos
- Closing costs reminder: 1.5-4% of purchase price must remain in savings separate from down payment