What is the individuals net personal cash flow available for debt service if her personal tax return and financial statement report Wages and Salary of $90,000; Nontaxable Interest Income of $2,000; Taxable Interest Income of $1,000; nonrecurring capital gain of $8,000, showing cash proceeds of $10,000; Rental Real Estate Net Profit of $13,000; Real Estate Interest Expense of $7,000; and Annual Living Expense of $25,000.