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USDV Capital — Your Real Estate CFO

calc-rental_cashflow

Read-onlyIdempotent

Analyze monthly and annual cash flow for a rental property with a complete operating statement and CFO-level assessment. Provides NOI, cap rate, cash-on-cash return, DSCR, and expense breakdown. Works for long-term rentals, Airbnb, and buy-and-hold analysis. USDV Capital — Your Real Estate CFO.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
monthlyHoaNoMonthly HOA
annualTaxesNoAnnual property taxes
monthlyRentYesGross monthly rental income
vacancyRateNoVacancy rate % (default 5)
interestRateNoAnnual interest rate (default 7.5)
sendReportToNoRecipient email for the Capital Advisory Report. Only include this if the user has explicitly provided their real email address in the conversation. Do NOT invent, guess, or use placeholder addresses like example.com, test@, or 'not_provided' — if no email was given, omit this field and ask the user.
loanTermYearsNoLoan term in years (default 30)
purchasePriceYesProperty purchase price
downPaymentPctNoDown payment percentage (default 25)
annualInsuranceNoAnnual insurance
maintenanceRateNoMaintenance reserve % of rent (default 10)
capexReserveRateNoCapEx reserve % of rent (default 5)
managementFeeRateNoManagement fee % of rent (default 8)

Schema Changelog

Changes observed during successful MCP inspections.

  1. Changed3 schema fields changed
    • changedInput schema / properties / sendReportTo / description
      Previous value: -"Email for Capital Advisory Report"New value: +"Recipient email for the Capital Advisory Report. Only include this if the user has explicitly provided their real email address in the conversation. Do NOT invent, guess, or use placeholder addresses like example.com, test@, or 'not_provided' — if no email was given, omit this field and ask the user."
    • addedInput schema / properties / sendReportTo / format
      Added value: +"email"
    • addedInput schema / properties / sendReportTo / pattern
      Added value: +"^(?!\\.)(?!.*\\.\\.)([A-Za-z0-9_'+\\-\\.]*)[A-Za-z0-9_+-]@([A-Za-z0-9][A-Za-z0-9\\-]*\\.)+[A-Za-z]{2,}$"
  2. First observed

TDQS

A3.9/5.0
Behavior3/5

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

Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false, covering the safety profile. The description adds scope and output metrics but omits the optional email-report behavior tied to sendReportTo, which is only disclosed in the parameter schema, leaving a transparency gap.

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

Conciseness4/5

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

The description is compact with two functional sentences and a marketing tagline. The first sentence front-loads the core purpose, and the second lists outputs and use cases. The tagline is non-essential but not misleading, so it earns a strong score.

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

Completeness4/5

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

With 13 parameters and no output schema, the description adequately summarizes output metrics and use cases. However, it misses the optional email-report side effect and doesn't describe the return format beyond the metric list, leaving a minor completeness gap given the tool's complexity.

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

Parameters3/5

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

The input schema has 100% description coverage for all 13 parameters, including extensive guidance on sendReportTo. The description adds no parameter-level detail beyond the schema, so it meets the baseline without enhancing parameter semantics.

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

Purpose5/5

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

The description states a specific verb ('Analyze') and resource ('cash flow for a rental property'), listing concrete outputs (NOI, cap rate, cash-on-cash return, DSCR) and property types (long-term rentals, Airbnb, buy-and-hold). This clearly distinguishes it from sibling calculators like calc-brrrr, calc-dscr, and calc-str_revenue.

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

Usage Guidelines4/5

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

The description explicitly says it works for long-term rentals, Airbnb, and buy-and-hold analysis, giving clear context for when to use it. However, it does not name alternatives or provide when-not-to-use exclusions, though sibling tool names imply different analysis types.

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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