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RentBuy.org

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Compare renting and buying a home over 30 years: scenarios, side-by-side comparisons, rent sweeps.

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Status
Healthy
Last Tested
Transport
Streamable HTTP · MCP 2025-11-25
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TDQS

A4.3/5.0

Scored across 4 tools

Disambiguation4/5

Each tool targets a distinct mode: single run, side-by-side comparison, range sweep, and opening the interactive UI. The overlap between run_scenario and compare_scenarios is real, but descriptions explicitly state when to use which ('one call replaces many run_scenario calls').

Naming Consistency4/5

All tools share the rentbuy_ prefix and mostly follow a verb_noun pattern (compare_scenarios, open_calculator, run_scenario). rentbuy_sweep deviates as a bare verb without a noun, a minor inconsistency.

Tool Count4/5

Four tools is a reasonable, well-scoped set for a rent-vs-buy calculation domain, covering the main interaction modes without redundancy. It sits slightly on the lean side but each tool clearly earns its place.

Completeness4/5

The surface covers the core lifecycle: single calculation, multi-scenario comparison, parameter sweep, and interactive exploration. Minor gaps exist (e.g. no explicit way to retrieve or persist saved scenarios/defaults), but agents can work around them.

Available Tools

4 tools
rentbuy_compare_scenariosCompare named rent vs buy scenariosA
Read-onlyIdempotent
Inspect

Runs 2 to 10 named scenarios side by side and returns each one's winner, year-30 net worth for both households, break-even year and year-1 cash, plus deltas against the first scenario. Each scenario is an independent set of input overrides and one-time costs on top of the site defaults, so name them by what changes ("15-year loan", "rent $4,500"). One call replaces many rentbuy_run_scenario calls.

ParametersJSON Schema
NameRequiredDescriptionDefault
scenariosYes

Output Schema

ParametersJSON Schema
NameRequiredDescription
metaYes
baselineYesName of the first scenario; deltas are relative to it.
scenariosYes

TDQS

A4.3/5.0
Behavior4/5

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

Annotations already declare this a safe, idempotent, non-destructive read. Beyond that, the description discloses the 2-10 scenario bound, that deltas are computed against the first scenario (an ordering-dependent behavior), and that each scenario is independent overrides on top of site defaults. Nothing contradicts the annotations.

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?

Three sentences, front-loaded with the operation and its return shape, then the scenario model, then the sibling routing. The enumeration of return fields is somewhat dense but each item is informative rather than filler.

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 an output schema present, the description need not explain return values, yet it still conveys the key ones. It covers cardinality limits, override semantics, delta baseline, and naming. The only minor gap is that the 40-character name limit and the 20 one-time-cost cap live only in the schema.

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?

Top-level schema description coverage is 0% for the single 'scenarios' parameter, but the description compensates by explaining the structure (independent input overrides plus one-time costs layered on site defaults) and the required 'name' semantics with concrete examples. The nested field-level docs are strong, so this adds rather than duplicates.

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?

States a specific verb and resource (runs 2-10 named scenarios side by side), enumerates the outputs returned, and explicitly differentiates from the sibling: 'One call replaces many rentbuy_run_scenario calls.' An agent can distinguish it from rentbuy_run_scenario and rentbuy_sweep purely from the text.

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?

Names the alternative it supersedes ('One call replaces many rentbuy_run_scenario calls') and gives practical naming guidance tied to the scenario-override model. It stops short of explaining when NOT to use it (e.g., when rentbuy_sweep's parametric ranges are the right tool instead of discrete named scenarios).

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

rentbuy_open_calculatorOpen the RentBuy.org calculatorA
Read-onlyIdempotent
Inspect

Opens an interactive rent-vs-buy calculator with editable inputs, net-worth charts, a year-by-year report and Monte Carlo sensitivity analysis. Use when the user wants to see or adjust a scenario. Pass the inputs and one-time costs from the scenario being discussed; missing inputs use the site defaults. Use the other rentbuy tools for calculations, comparisons and sweeps without opening a new panel.

ParametersJSON Schema
NameRequiredDescriptionDefault
inputsNoAny subset of the inputs; missing fields use the rentbuy.org defaults. Money in USD, rates in percent points.
oneTimeCostsNoUp to 20 one-time costs.

Output Schema

ParametersJSON Schema
NameRequiredDescription
metaYes
year1YesMonthly cash in year 1; ownership includes mortgage, property tax, insurance, maintenance and HOA.
totalsYes
winnerYesWhich household has more net worth after 30 years, after selling costs on the buy side.
yearlyNoPresent when detail is "yearly". Net worth figures here are before selling costs.
advantageYesAbsolute net worth gap between the two households at year 30, USD.
differenceYesSigned gap: buyNetWorthAfterSale minus rentNetWorth, USD.
oneTimeCostsYes
rentNetWorthYesRenter portfolio at year 30.
breakEvenYearYesFirst year in which the buyer is ahead before selling costs, or null if never within 30 years.
resolvedInputsYesThe full input set the calculation used, after defaults and tax pre-fill, in the same units as the request.
buyNetWorthAfterSaleYesBuyer net worth at year 30 after selling costs (home equity plus buyer investments minus selling costs).

TDQS

A4.7/5.0
Behavior4/5

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

Annotations already declare readOnlyHint=true, idempotentHint=true and destructiveHint=false, so the safety profile is covered. The description adds genuine context beyond that: what the opened panel renders and that missing inputs fall back to site defaults. It does not, however, discuss any UI-state or repeated-open behavior, so it stops short of full disclosure.

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 the capability, then the trigger, then parameter guidance, then the alternative. No sentence is redundant and nothing important is buried.

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?

An output schema exists, so return values need no explanation, and the annotations carry the safety profile. The description covers capability, trigger conditions, parameter sourcing, default behavior and sibling routing, which is everything an agent needs to select and invoke it correctly.

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 description coverage is 100%, so the nested inputs and oneTimeCosts fields are already fully documented. The description still adds operational meaning by telling the agent to pass the inputs and one-time costs from the scenario under discussion and that omitted inputs use site defaults, which goes slightly beyond the schema baseline.

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?

States a specific verb and resource ('Opens an interactive rent-vs-buy calculator') and even enumerates the panel contents (editable inputs, net-worth charts, year-by-year report, Monte Carlo analysis). This clearly distinguishes it from siblings like rentbuy_run_scenario and rentbuy_sweep, which compute without opening a panel.

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

Usage Guidelines5/5

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

Gives explicit when-to-use ('when the user wants to see or adjust a scenario') and when-not ('Use the other rentbuy tools for calculations, comparisons and sweeps without opening a new panel'). The routing between opening a panel and running a calculation is unambiguous.

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

rentbuy_run_scenarioRun a rent vs buy scenarioA
Read-onlyIdempotent
Inspect

Runs one 30-year rent-vs-buy comparison with the rentbuy.org model and returns the winner, the net worth of both households at year 30, the break-even year, totals, year-1 monthly cash and the fully resolved inputs. Give only the inputs you want to change; everything else uses the site defaults. Set detail to "yearly" to also get the 30 year-by-year rows. Use rentbuy_compare_scenarios or rentbuy_sweep instead of calling this repeatedly.

ParametersJSON Schema
NameRequiredDescriptionDefault
detailNo"summary" (default) or "yearly" for the 30 annual rows.
inputsNoAny subset of the inputs; missing fields use the rentbuy.org defaults. Money in USD, rates in percent points.
oneTimeCostsNoUp to 20 one-time costs.

Output Schema

ParametersJSON Schema
NameRequiredDescription
metaYes
year1YesMonthly cash in year 1; ownership includes mortgage, property tax, insurance, maintenance and HOA.
totalsYes
winnerYesWhich household has more net worth after 30 years, after selling costs on the buy side.
yearlyNoPresent when detail is "yearly". Net worth figures here are before selling costs.
advantageYesAbsolute net worth gap between the two households at year 30, USD.
differenceYesSigned gap: buyNetWorthAfterSale minus rentNetWorth, USD.
oneTimeCostsYes
rentNetWorthYesRenter portfolio at year 30.
breakEvenYearYesFirst year in which the buyer is ahead before selling costs, or null if never within 30 years.
resolvedInputsYesThe full input set the calculation used, after defaults and tax pre-fill, in the same units as the request.
buyNetWorthAfterSaleYesBuyer net worth at year 30 after selling costs (home equity plus buyer investments minus selling costs).

TDQS

A4.5/5.0
Behavior4/5

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

Annotations already declare readOnly/idempotent/non-destructive, so the safety profile is covered. The description adds genuinely useful behavior: the partial-input contract (unspecified fields fall back to site defaults) and the detail flag's effect on the response size. It does not cover runtime/rate considerations, but for a deterministic local model none are expected.

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?

Three tight sentences, front-loaded with what the tool does and what it returns, then the input contract, then the sibling routing. No filler and no repetition of schema detail.

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?

Covers purpose, input convention, output toggling and alternative tools, which is everything an agent needs for a 3-param tool with a fully documented nested schema and an output schema. Nothing material is missing.

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?

Schema description coverage is 100% and each input documents units, ranges and defaults, so the schema does the heavy lifting. The description only restates the partial-input convention and the 'yearly' detail mode, both of which the schema already states. Baseline 3 is appropriate.

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?

States a specific verb+resource+scope: 'Runs one 30-year rent-vs-buy comparison with the rentbuy.org model.' It also enumerates what comes back (winner, net worth at year 30, break-even year), which an agent can use to distinguish it from the batch siblings.

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

Usage Guidelines5/5

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

Gives explicit operating instructions ('Give only the inputs you want to change; everything else uses the site defaults') and names the alternatives with the condition for switching: 'Use rentbuy_compare_scenarios or rentbuy_sweep instead of calling this repeatedly.' This is textbook when-to-use routing.

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

rentbuy_sweepSweep one or two inputsA
Read-onlyIdempotent
Inspect

Varies one input (or a grid of two) across a range and returns, for every point, the buyer-minus-renter net worth at year 30 after selling costs, the winner, both net worths and the break-even year, plus the interpolated crossover value where the winner flips for single-parameter sweeps. Give values[] or min, max and steps (2 to 50 per axis, at most 400 grid points). Other inputs come from "base" or the site defaults. Use it for sensitivity questions such as "at what rent does buying win?" or "how does the result change with the mortgage rate?".

ParametersJSON Schema
NameRequiredDescriptionDefault
axisYes
baseNoInputs held fixed during the sweep.
secondAxisNoOptional second input for a grid.
oneTimeCostsNoUp to 20 one-time costs.

Output Schema

ParametersJSON Schema
NameRequiredDescription
metaYes
unitYes
pointsYesOne row per grid point; difference is buy minus rent at year 30 after selling costs.
crossoverYesSingle-parameter sweeps only: the interpolated value where the winner flips, or null.
parameterYes
secondUnitYes
secondParameterYes

TDQS

A4.6/5.0
Behavior5/5

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

Annotations already declare readOnly/idempotent/non-destructive, and the description adds real behavior beyond them: outputs are buyer-minus-renter net worth at year 30 after selling costs, interpolated crossover only exists for single-parameter sweeps, and the grid is capped at 50 steps per axis / 400 total grid points. It also discloses the fallback semantics ('other inputs come from base or the site defaults'), which the schema does not state.

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?

Four sentences, front-loaded with what the tool computes before stating input requirements and then use cases. The opening sentence is dense with output enumeration that partly duplicates the output schema, but nothing is filler and the ordering follows what an agent needs first.

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?

For a nested-object, two-axis sweep tool with an output schema and full safety annotations, the description supplies the missing glue: fallback defaults, grid limits, the values-vs-min/max mode, and the single-axis-only crossover. An agent has everything needed to invoke it correctly; return-value description is redundant given the output schema but harmless.

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?

With 75% schema coverage the baseline is 3, and the description earns above that by stating the either/or input mode ('give values[] or min, max and steps') and the 400-grid-point ceiling — relationships absent from the schema, which only bounds individual fields. It does not explain units or the parameter enum semantics, but those are already documented in the schema.

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?

Opens with a precise verb and scope — 'Varies one input (or a grid of two) across a range' — and enumerates exactly what it returns (net worth at year 30 after selling costs, winner, break-even year, crossover). The 'sensitivity questions such as ...' framing makes it clear this is not the single-scenario tool, so an agent can tell it apart from rentbuy_run_scenario and rentbuy_compare_scenarios without opening a schema.

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?

Gives explicit context with two concrete motivating questions ('at what rent does buying win?', 'how does the result change with the mortgage rate?'), which effectively routes the agent here rather than to run_scenario. It stops short of naming alternatives or stating when NOT to use it (e.g., for one-off single-point answers), so it is clear but not complete routing guidance.

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

Tool Schema Changelog

Recent tool additions, removals, and schema changes observed during successful MCP inspections.

  1. 4 tool updates
    • First observedrentbuy_compare_scenarios
    • First observedrentbuy_open_calculator
    • First observedrentbuy_run_scenario
    • First observedrentbuy_sweep

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