Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are provided, so the description carries the burden. It implies a safe read-only computation ('Compute net rental profitability') and states the return values ('net yield % and cash flow'). This is adequate for a calculator tool, though it does not explicitly declare no side effects or authentication needs.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.