How to get the repayment rollover number

reinvest_reporter.rb

class ReinvestReporter
  attr_accessor :investor_hash, :investor_states, :loan_hash, :loan_states, :loan_assignment

  def initialize
    investor_vars = calc_investor_variables
    @investor_hash = investor_vars[0]
    @investor_states = investor_vars[1]
    loan_vars = calc_loan_variables
    @loan_hash = loan_vars[0]
    @loan_states = loan_vars[1]
    @loan_assignment = []
  end

  def calc_investor_variables
    month_start = Date.today.beginning_of_month
    month_end = Date.today.end_of_month
    disbursements = Disbursement.where('date(created_at) >= ?', month_start).where('date(created_at) <= ?', month_end)
    investor_hash = {}
    investor_states = {}
    disbursements.each do |d|
      l = d.investment.loan
      criteria = "grade#{l.grade.gsub(/\+/, 'PLUS')}_tenure#{l.tenure_out}"
      if d.investment.investor.user.investment_setting.activate_rollover
        if investor_hash[criteria].blank?
          investor_hash[criteria] = []
        end
        investor_hash[criteria].push d.investment.investor_id
        if investor_states[d.investment.investor_id].blank?
          investor_states[d.investment.investor_id] = {
              repayment_amount: 0,
              cap_amount: d.investment.investor.user.investment_setting.rollover_cap,
              allocated_amount: 0
          }
        end
        investor_states[d.investment.investor_id][:repayment_amount] += (d.principal_amount + d.interest_amount)
      end
    end
    [investor_hash, investor_states]
  end

  def calc_loan_variables
    loan_hash = {}
    loan_states = {}
    Loan.bidding.each do |l|
      criteria = "grade#{l.grade.gsub(/\+/, 'PLUS')}_tenure#{l.tenure_out}"
      if loan_hash[criteria].blank?
        loan_hash[criteria] = []
      end
      loan_hash[criteria].push l.id
      if loan_states[criteria].blank?
        loan_states[l.id] = {
            available_bid_amount: l.funding_amount_to_complete,
            allocated_amount: 0
        }
      end
    end
    [loan_hash, loan_states]
  end

  def get_possible_criteria(criteria)
    grade = criteria.split(/_/)[0].gsub(/grade/,'').gsub(/PLUS/, '+')
    tenure = criteria.split(/_/)[1].gsub(/tenure/,'').to_i
    grades = %W[A+ A B+ B C D E]
    index = grades.index(grade)
    equal_or_better_grades = []
    loop do
      equal_or_better_grades.push grades[index]
      break if index == 0
      index -= 1
    end
    criteria_list = []
    equal_or_better_grades.each do |g|
      criteria_list << "grade#{g.gsub(/\+/, 'PLUS')}_tenure#{tenure}"
    end
    criteria_list
  end

  def create_new_assignment(investor_id, loan_id)
    investor_state = @investor_states[investor_id]
    loan_state = @loan_states[loan_id]
    unit_of_investment = 500000
    amt_available_to_bid = loan_state[:available_bid_amount] - loan_state[:allocated_amount]
    investor_balance = investor_state[:repayment_amount] - investor_state[:allocated_amount]
    per_loan_cap = (investor_state[:cap_amount] > 0 && investor_state[:cap_amount] < unit_of_investment)? unit_of_investment : investor_state[:cap_amount]
    if per_loan_cap.blank? || per_loan_cap <= 0
      invest_amount = [amt_available_to_bid, investor_balance].min
    else
      invest_amount = [amt_available_to_bid, investor_balance, per_loan_cap].min
    end
    invest_amount = invest_amount - (invest_amount % unit_of_investment)
    if invest_amount >= unit_of_investment
      @loan_assignment.push [loan_id, investor_id, invest_amount]
      investor_state[:allocated_amount] += invest_amount
      loan_state[:allocated_amount] += invest_amount
    end
  end

  def export!
    @investor_hash.each do |original_criteria, investors|
      feasible_criteria = get_possible_criteria(original_criteria)
      investors.shuffle!
      feasible_criteria.each do |cri|
        if @loan_hash[cri].present?
          loans = @loan_hash[cri]
          investors.each do |investor_id|
            loans.each do |loan_id|
              puts "\nDUMP"
              puts investor_id
              puts loan_id
              create_new_assignment(investor_id, loan_id)
            end
          end
        end
      end
    end
    @loan_assignment
  end

  private :create_new_assignment, :calc_investor_variables, :calc_loan_variables, :get_possible_criteria

end