RealVest Real Estate MCP Server

# RealVest MCP Server - Detailed Use Cases This document provides comprehensive examples of how to use every feature of the RealVest MCP Server. ## Table of Contents - [Affordability Calculator](#affordability-calculator) - [BRRRR Deal Analyzer](#brrrr-deal-analyzer) - [House Hacking Calculator](#house-hacking-calculator) - [Portfolio Growth Projector](#portfolio-growth-projector) - [Syndication Analyzer](#syndication-analyzer) - [Educational Resources](#educational-resources) - [State Assistance Programs](#state-assistance-programs) - [Market Data](#market-data) - [Complex Scenarios](#complex-scenarios) ## Affordability Calculator ### Basic Affordability Check ``` Human: I make $75,000 per year with $500 in monthly debts and have $20,000 saved. What can I afford? Claude: I'll calculate your home affordability using the RealVest calculator. [Tool Call: calculate_affordability] { "annual_income": 75000, "monthly_debts": 500, "down_payment": 20000, "interest_rate": 6.85 } Results: - Maximum home price: $305,000 - Maximum loan amount: $285,000 - Monthly payment breakdown: - Principal & Interest: $1,865 - Property tax: $305 - Insurance: $127 - PMI: $119 - Total: $2,416 - Debt-to-income ratios: - Front-end: 28% - Back-end: 35% ``` ### High-Income Professional ``` Human: I'm a software engineer making $185,000 with minimal debt. I have $100,000 for down payment and want a 15-year mortgage. Claude: I'll calculate affordability for a 15-year mortgage with your financial profile. [Tool Call: calculate_affordability] { "annual_income": 185000, "monthly_debts": 800, "down_payment": 100000, "interest_rate": 6.02, "loan_term_years": 15 } Results: - Maximum home price: $650,000 - Lower total interest paid over life of loan - Higher monthly payment but builds equity faster ``` ### Couple with Student Loans ``` Human: Combined income $135,000, but we have $2,200/month in student loans and car payments. $50,000 down payment. Claude: I'll factor in your higher debt obligations. [Tool Call shows reduced affordability due to high DTI] - Maximum home price: $425,000 - Suggestion: Consider paying down some debt first to improve DTI ``` ## BRRRR Deal Analyzer ### Classic Single-Family BRRRR ``` Human: Found a distressed property: $85k purchase, needs $45k rehab, ARV $175k, rent $1,400. Good deal? Claude: I'll analyze this BRRRR opportunity comprehensively. [Tool Call: analyze_brrrr_deal] { "purchase_price": 85000, "rehab_cost": 45000, "after_repair_value": 175000, "monthly_rent": 1400, "refinance_ltv": 0.75 } Analysis: - Initial investment: $130,000 - Refinance amount: $131,250 (75% of $175k) - Cash out: $1,250 (nearly all capital returned!) - Monthly cash flow: $225 - Cash-on-cash return: 24% - Annual ROI: 42% - Deal rating: EXCELLENT - Nearly infinite return since you get all money back ``` ### Multi-Family BRRRR ``` Human: Duplex opportunity: $225k purchase, $65k repairs, ARV $385k, total rents $3,200 Claude: Analyzing this multi-family BRRRR deal... [Detailed analysis showing]: - Higher cash flow potential - Better economies of scale - Risk mitigation with multiple units - Strong refinance potential ``` ### Heavy Rehab Project ``` Human: Considering a major fixer: $120k purchase, $100k rehab budget, ARV $310k, rent $2,100 Claude: This is a substantial rehab project. Let me analyze the numbers... [Analysis includes]: - Extended holding period considerations - Higher risk factors - Construction loan options - Detailed ROI calculations ``` ## House Hacking Calculator ### FHA First-Time Buyer ``` Human: I want to house hack a $385,000 duplex with FHA loan. Other unit rents for $1,800. Claude: Perfect strategy for first-time buyers! Let me calculate your house hack scenario. [Tool Call: evaluate_house_hack] { "purchase_price": 385000, "down_payment": 13475, "monthly_rent_unit2": 1800, "owner_expenses": 900, "interest_rate": 6.45, "pmi_rate": 0.85 } Results: - Your net housing cost: $895/month - Without house hacking: $2,695/month - Monthly savings: $1,800 - You're essentially living for less than a studio apartment! ``` ### Triplex with Owner Unit ``` Human: Found a triplex for $625k. I'll live in one unit, rent two at $1,600 each, plus there's a $1,200 ADU. Claude: This is an advanced house hacking strategy with excellent income potential. [Analysis shows]: - Live for free PLUS $800-1,000 monthly profit - Building significant equity - Tax benefits of owner-occupancy ``` ### Single-Family with Rentable Space ``` Human: $425k house with finished basement apartment renting for $1,400. Is this worthwhile? Claude: Let me analyze this single-family house hack option... [Shows 40-50% reduction in housing costs while maintaining privacy] ``` ## Portfolio Growth Projector ### Conservative Buy-and-Hold ``` Human: I have $50k to start and can save $15k/year. Show me a conservative 20-year plan. Claude: I'll project a conservative buy-and-hold strategy for you. [Tool Call: project_portfolio_growth] { "starting_capital": 50000, "annual_savings": 15000, "initial_property_value": 200000, "annual_appreciation": 3.5, "annual_rent_growth": 3.0, "target_cash_flow_per_property": 300, "acquisition_pace_years": 2 } 20-Year Projection: - Year 1: 1 property, $200k value - Year 5: 3 properties, $695k value - Year 10: 5 properties, $1.3M value - Year 15: 8 properties, $2.2M value - Year 20: 10 properties, $3.2M value - Monthly cash flow at year 20: $8,500 - Total equity: $1.8M ``` ### Aggressive BRRRR Strategy ``` Human: What if I BRRRR aggressively with $75k starting capital? Claude: Let me model an aggressive BRRRR approach... [Shows potential for 25+ properties through capital recycling] ``` ### Transition to Commercial ``` Human: Start with residential, then move to small apartments. Model this. Claude: I'll project a strategy transitioning from SFR to multi-family... [Shows progression from houses to duplexes to small apartment buildings] ``` ## Syndication Analyzer ### Value-Add Apartment Deal ``` Human: Considering a syndication: $50k min, 7% pref, 70/30 split, 15.5% IRR, 5-year hold Claude: I'll analyze this value-add syndication opportunity. [Tool Call: analyze_syndication] { "minimum_investment": 50000, "preferred_return": 7, "profit_split_after_pref": 70, "projected_irr": 15.5, "projected_hold_period": 5, "projected_equity_multiple": 1.95 } Analysis: - Total return: $97,500 on $50k (95% gain) - Annual average: 14.3% - Preferred return provides downside protection - Tax benefits through depreciation - Passive investment - no active management ``` ### Development Deal ``` Human: New construction syndication: $100k min, 8% pref, 22% IRR, 3-year timeline Claude: Development deals offer higher returns but with increased risk... [Detailed risk/return analysis for ground-up development] ``` ### Comparing Multiple Opportunities ``` Human: I have $150k to invest. Compare these three syndications... Claude: I'll analyze all three opportunities for optimal allocation... [Compares risk, returns, timelines, and suggests diversification strategy] ``` ## Educational Resources ### Topic-Specific Learning ``` Human: I want to understand BRRRR strategy better Claude: Let me find RealVest's best BRRRR educational content. [Tool Call: insights_articles - search "BRRRR"] Found articles about BRRRR and real estate investing strategies: 1. **The Bootstrap Investor's Guide: Building Real Estate Wealth from Zero** - Summary: Start investing with $5,000 or less. Proven strategies for building wealth from zero. Real examples + step-by-step action plan. - Category: Investment Strategy - Link: https://www.realvest.ai/insights/bootstrap-real-estate-wealth.html 2. **From Military Service to Multi-Million Dollar Portfolio** - Summary: VA loan strategies + geographic arbitrage. Replicable blueprint included. - Category: Investment Strategy - Link: https://www.realvest.ai/insights/military-to-millions-portfolio.html 3. **The Messy Reality of Real Estate Investing** - Summary: Honest take on the challenges of property investing including BRRRR deals gone wrong and how to recover. - Category: Investment Psychology - Link: https://www.realvest.ai/insights/messy-reality-real-estate.html Each article provides practical insights with real-world examples and actionable strategies. ``` ### Market Condition Research ``` Human: How do I invest in high interest rate environments? Claude: I'll find articles about investing in challenging rate environments. [Tool Call: insights_articles - search "rates interest high"] Here's guidance on investing in high-rate environments: 1. **How Real Estate Investors Thrived When Mortgage Rates Hit 18%** - Summary: How investors thrived at 18% rates in 1981. Historical proof high rates create millionaires. Apply these strategies today. - Link: https://www.realvest.ai/insights/high-rate-investing-history.html 2. **The Mortgage Rate Trap** - Summary: Why waiting for rates to drop costs you money. Mathematical proof that time in market beats timing market. - Link: https://www.realvest.ai/insights/mortgage-rate-trap.html 3. **Creative Financing Strategies for Today's Market** - Summary: Alternative financing methods when traditional mortgages are expensive. - Link: https://www.realvest.ai/insights/capital-labor-partnership-guide.html ``` ### Beginner Education Path ``` Human: I'm completely new to real estate. Where should I start? Claude: Let me curate a learning path for beginners. [Tool Call: insights_articles - search "beginner first start"] Here's your recommended learning path: **Start Here - Mindset & Basics:** 1. **The Eternal Window Shopper: Real Estate Analysis Paralysis** - Summary: Stop overthinking & start investing. How analysis paralysis costs you $1000s monthly. - Link: https://www.realvest.ai/insights/analysis-paralysis-trap.html **Building Your Foundation:** 2. **The Bootstrap Investor's Guide: Building Real Estate Wealth from Zero** - Summary: Start investing with $5,000 or less. Proven strategies for building wealth from zero. - Link: https://www.realvest.ai/insights/bootstrap-real-estate-wealth.html **Avoid Common Pitfalls:** 3. **Fatal Real Estate Mistakes That Cost Investors Thousands** - Summary: Learn from others' expensive mistakes before making your own. - Link: https://www.realvest.ai/insights/fatal-real-estate-mistakes.html **Understanding Reality:** 4. **When Real Estate Gets Real: The Dark Side Nobody Talks About** - Summary: Honest look at challenges you'll face and how to handle them. - Link: https://www.realvest.ai/insights/messy-reality-real-estate.html Read in this order for best results! ``` ## State Assistance Programs ### Single State Deep Dive ``` Human: Tell me everything about California's first-time buyer programs Claude: I'll provide comprehensive information on California's assistance programs. [Tool Call: state_assistance_programs - California] California Programs: 1. CalHFA MyHome Assistance - Up to 3.5% of purchase price - Deferred payment loan - Income limits: $150k-300k by county 2. CalHFA Zero Interest Program (ZIP) - 3% down payment assistance - 0% interest, no payments - Must use CalHFA first mortgage Plus federal programs available... ``` ### Multi-State Comparison ``` Human: Compare Texas vs Florida vs Arizona for first-time buyer help Claude: I'll compare assistance programs across these three states... [Detailed comparison of amounts, requirements, and income limits] ``` ### Program Eligibility Check ``` Human: I'm a veteran in Georgia making $88k. What programs can I use? Claude: Let me check both state and federal programs for veterans... [Shows VA loan benefits plus Georgia-specific programs] ``` ## Market Data ### Rate Shopping ``` Human: What's the difference in rates between conventional, FHA, and VA loans right now? Claude: I'll show you current rates for all loan types. [Tool Call: market_data] Current Mortgage Rates: - Conventional 30-year: 6.85% (0.6 points) - FHA 30-year: 6.45% (0.5 points) - VA 30-year: 6.25% (0.3 points) - Conventional 15-year: 6.02% (0.5 points) - 5/1 ARM: 5.95% (0.4 points) Trends: Rates up 0.12% this week... ``` ### Local Market Analysis ``` Human: How's the Denver real estate market? Claude: Let me pull Denver market data for you. [Provides]: - Median home price: $625,000 - YoY appreciation: +2.5% - Inventory: 2.2 months - Market temperature: Competitive - Best neighborhoods for investment ``` ### Investment Market Metrics ``` Human: What are typical cap rates for different property classes? Claude: I'll show you current investor metrics by property class. [Shows]: - Class A: 4.5% cap rate - Class B: 5.8% cap rate - Class C: 7.2% cap rate - Cash-on-cash returns by strategy ``` ## Complex Scenarios ### Complete Investment Analysis ``` Human: I have $200k cash and want to build a portfolio. Compare all strategies. Claude: I'll run a comprehensive analysis of all investment strategies. 1. Traditional Buy-and-Hold [Runs affordability and portfolio projection] 2. BRRRR Strategy [Analyzes multiple BRRRR scenarios] 3. House Hacking First [Shows benefits of starting with house hack] 4. Syndication Portfolio [Compares passive investment returns] 5. Hybrid Approach [Combines multiple strategies] Recommendation based on your risk tolerance and goals... ``` ### Location Optimization ``` Human: I can work remotely. Which markets offer the best investment opportunities? Claude: I'll analyze multiple markets for optimal investment locations. [Compares]: - Purchase prices vs rents - State assistance programs - Market appreciation trends - Cash flow potential - Tax considerations Top markets for your situation... ``` ### Tax-Optimized Strategy ``` Human: I'm a high earner. How can I use real estate to reduce taxes? Claude: Let me design a tax-efficient real estate strategy. [Analyzes]: - Depreciation benefits - Cost segregation opportunities - 1031 exchange strategies - Syndication tax advantages - Optimal entity structures ``` ### Risk Mitigation Planning ``` Human: I'm risk-averse but want real estate exposure. What's safest? Claude: I'll design a low-risk real estate investment approach. [Recommends]: - Start with house hacking (live in safety net) - Focus on stable markets - Maintain higher reserves - Consider syndications for passive approach - Diversification strategies ``` ## Tips for Best Results 1. **Be Specific**: Provide exact numbers for most accurate calculations 2. **Consider Multiple Scenarios**: Run optimistic, realistic, and pessimistic cases 3. **Factor All Costs**: Include maintenance, vacancies, property management 4. **Think Long-Term**: Real estate is a long game - project 10-20 years 5. **Start Conservative**: Better to exceed conservative projections than miss aggressive ones ## Getting Help For issues or questions about the MCP server: - GitHub: https://github.com/sigaihealth/realvestmcp/issues - Email: support@realvest.ai - Documentation: https://www.realvest.ai