First Home Owner Loan Requirements PMI Flowchart Infographic

Real estate infographic titled "PMI Explained for Property Investors". Archetype: MORTGAGE FLOWCHART. Editorial real-estate magazine illustration, warm hand-illustrated style, cozy beige palette, clean professional layout for an investor / landlord audience. Create a vertical flowchart with 7 numbered stages connected by arrows, each stage including a short heading IN English, a time estimate, an illustrative cost example in PLN (zł) clearly labeled as example, and a small property or document icon. Include subtle visual cues for loan approval, down payment, monthly payment, and insurance decision points. Avoid city-specific claims, listing-specific guarantees, and all real bank, brokerage, or lender logos.

Stage 1: "Loan Application" — time estimate: "1-3 days" — cost example: "Application documents example: 150 zł" — icon: mortgage document.
Stage 2: "Down Payment Check" — time estimate: "Same day" — cost example: "Down payment example: 40,000 zł" — icon: house with coins.
Stage 3: "Loan-to-Value Review" — time estimate: "1 day" — cost example: "Property value review example: 600 zł" — icon: calculator and property sheet.
Stage 4: "PMI Required?" — time estimate: "Instant decision" — cost example: "PMI example: 280 zł / month" — icon: shield over house. Make this the key decision node in the flowchart.
Stage 5: "Monthly Payment Impact" — time estimate: "1 day" — cost example: "Monthly mortgage example: 3,400 zł + PMI example: 280 zł" — icon: payment calendar.
Stage 6: "PMI Removal Path" — time estimate: "After equity growth" — cost example: "Appraisal for removal example: 900 zł" — icon: rising equity chart and document.
Stage 7: "Loan Cost Summary" — time estimate: "At closing and ongoing" — cost example: "Total added PMI cost example: 3,360 zł / year" — icon: summary document.

Add a small comparison side panel or inset showing why PMI exists, when it is commonly triggered, and how increased equity can end it, using only English labels and simple chart symbols. Keep wording concise, investor-friendly, and educational. Include visual hierarchy, soft textured background, beige and warm brown tones, and hand-drawn property finance icons. The target search intent should be reflected visually in the composition and iconography, but not written as on-image text.

All text MUST be written in English (array). Every heading, label, caption, legend and metric name in the image must be in English — not English. Spell each English word correctly using English characters and diacritics. Numbers stay as digits, illustrative numbers labeled "example", no specific real-bank or brokerage logos, no watermarks No real bank / brokerage / lender logos. Illustrative numbers labeled as example. No specific listing prices or city-specific guarantees.