Suppose you take a 10-year mortgage for a house that costs $249,545. Assume the following: The annual interest rate on the mortgage is 3.8%. The bank requires a minimum down payment of 5% of the cost of the house. The annual property tax is 1.5% of the cost of the house. The annual homeowner's insurance is $809. The monthly PMI is $81. Your other long-term debts require payments of $1,783 per month. If you make the minimum down payment, what is the minimum gross monthly salary you must earn in order to satisfy the 36% rule?