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

Annotations cover only safety/idempotency hints; the description adds substantial context: delivery by email with a private download link, immediate vs 24-hour response, the non-commitment nature of a term sheet, entity vesting requirements, and how options in the answer are labeled. That is meaningful behavior beyond the structured fields.

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

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

Front-loaded with purpose and delivery, then prerequisites and caveats. It is somewhat long, and the sentence about LLC/corporation closing largely restates the vesting field description, but nearly every sentence contributes actionable information.

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

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

For a five-parameter, nested-object, no-output-schema tool, the description covers purpose, prerequisites, timing, delivery, and the shape of the answer's options. It does not describe failure/out-of-scope responses in detail, but the attestations schema covers that condition.

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

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

Schema coverage is 100%, so the schema already documents every field and enum. The description reinforces the full-street-address rule and the option-label convention, but adds little syntax or format detail the schema lacks. Baseline 3 applies when the schema carries the load.

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

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

States a specific verb (Request) and resource (a written fix-and-flip term sheet), plus scope: business-purpose loan to buy and renovate a non-owner-occupied 1–4 unit investment property. It also names the sibling it depends on, so an agent can separate it from fix_and_flip_term_sheet_requirements without opening either schema.

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

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

It routes the agent explicitly to fix_and_flip_term_sheet_requirements first for the fields and sets expectations for turnaround (instant where the deal fits the programs, otherwise within 24 hours). It does not state when a request should be refused or what disqualifies a deal, though the attestations schema hints at out-of-scope handling.

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