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Analyze a rental property

analyze_rental
Read-only

Analyze a US residential property as a rental investment. Give an address or the key facts (price, beds, baths, square feet, ZIP). Add any numbers the user knows, such as their expected rent, tax or insurance; they override our estimates. Returns an investment score, IRR over a 15-year hold, monthly cash flow, cap rate, cash-on-cash return and DSCR, with the source of every input shown. Estimates only, not an appraisal.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
zipNo5-digit US ZIP code. Needed when no address with a ZIP is given.
unitsNoNumber of units in the building, when known.
addressNoStreet address, ideally with city, state and ZIP.
bedroomsNoTotal bedrooms (all units together for a 2- or 3-family).
bathroomsNo
list_priceYesAsking or purchase price in US dollars.
hoa_monthlyNoMonthly HOA fee in dollars; 0 when omitted.
square_feetNo
monthly_rentNoThe user's expected total monthly rent; overrides our estimate.
interest_rateNoAnnual mortgage rate in percent (default: the current 30-year average we use).
property_typeNo
loan_term_yearsNoLoan term in years (default 30).
down_payment_pctNoDown payment as a percent of price (default 20).
insurance_annualNoAnnual insurance in dollars; overrides our estimate.
property_tax_annualNoAnnual property tax in dollars; overrides our estimate.

Output Schema

TableJSON Schema
NameRequiredDescriptionDefault
irrNo
bandNo
dscrNo
scoreNo
messageNo
outcomeYes
summaryNo
cap_rateNo
irr_noteNo
disclaimerYes
method_urlYes
next_stepsNo
gross_yieldNo
inputs_usedNo
cash_on_cashNo
irr_hold_yearsNo
monthly_cash_flowNo

Schema Changelog

Changes observed during successful MCP inspections.

  1. First observed

TDQS

A4/5.0
Behavior4/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Annotations already cover the safety profile (readOnly, non-destructive, closed-world), so the bar is lower. The description still adds real value: it discloses the override semantics for user inputs, that every input's source is shown, and the 'estimates only, not an appraisal' accuracy caveat.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness5/5

Is the description appropriately sized, front-loaded, and free of redundancy?

Four tight sentences, front-loaded with purpose, then inputs, override behavior, and the returned metrics plus disclaimer. No redundancy with the schema; every sentence carries a distinct point.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness5/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

With an output schema present, return values are already structured, yet the description still enumerates the key metrics. Combined with input modes, override behavior, and the estimates disclaimer, nothing an agent needs to call this correctly is missing.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters4/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema coverage is 80%, so baseline is 3. The description adds meaning beyond the schema by explaining the general override principle ('any numbers the user knows... override our estimates') and the address-or-facts input mode, which reframes the required/optional parameters usefully.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose4/5

Does the description clearly state what the tool does and how it differs from similar tools?

Specific verb (analyze) plus a well-scoped resource (US residential property as a rental investment). An agent immediately knows the domain and output type. It does not, however, differentiate itself from the sibling deal_score, so it falls short of a 5.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines3/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

It tells the agent what to supply (an address or key facts, plus any known numbers) and that user-supplied values override estimates. But it gives no when-to-use/why-not guidance and never mentions the sibling deal_score, so usage vs. the alternative is left to inference.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

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