A $387,604 twenty year morgage has an annual interest rate of 4%, has a PMI of $81, the annual homeowners insurance is .5% of the cost of the house, property tax is 1.9% the cost of the house, and the bank requires a minimum down payment of 10% at the time of the loan. If one makes the minimum down payment, what is the minimum grossly salary one must earn to satisfy the 28% rule and 36% rule at the same time?