First Scenario: (Own Property 1, will sell in 2017-- no problem there). Will purchase Property 2 in 2017. For Property 2 under Current Market Value, I have $300,000. Under future mortage information: I put 100% under (I have that it will never be sold).

In the report, under "living standard per adult", let say I get: X
The figure seems high, so I try the following:

Second Scenario: Property 2, I put no current market value and no mortgage information. But in Special expenditures, I put in the $300,000-- the amount under current market value (and also sale value).
In the report, under living standard per adult, I get (approx) 1/2X

In a 3rd Scenario, I put current market value at 300,000, 10% down, 5.5% interest rate, and 30 year mortgage, and get close to the same thing as the first scenario. (Thus the difference doesn't seem to be whether or not I take out a loan, no?)

Why such a huge discrepancy-- and which is a more accurate approximation of living standard?

Many thanks. Charlie