diff --git a/__init__.py b/__init__.py
index 39e5e33..6ae3e43 100644
--- a/__init__.py
+++ b/__init__.py
@@ -69,7 +69,7 @@ def get_risk_pool_health() -> float:
 def compute_mre(home_value: float,
                 down_payment: float,
                 consumer_fico: int) -> float:
-
+    down_payment *= home_value
     investor_value = home_value - down_payment
     loan_to_value = float(investor_value/home_value)
     # the monthly payment is made on the value from the investors