RealVest Real Estate MCP Server

# RealVest MCP Server - Quick Reference ## 🛠️ Available Tools ### calculate_affordability Calculate maximum home purchase price based on income and debts ```javascript { annual_income: number, // Gross annual income monthly_debts: number, // Total monthly debt payments down_payment: number, // Available down payment interest_rate: number, // Current mortgage rate (e.g., 6.85) property_tax_rate?: number, // Annual property tax % (default: 1.2) insurance_rate?: number, // Annual insurance % (default: 0.5) hoa_monthly?: number, // Monthly HOA fees (default: 0) loan_term_years?: number // Loan term (default: 30) } ``` ### analyze_brrrr_deal Analyze Buy, Rehab, Rent, Refinance, Repeat deals ```javascript { purchase_price: number, // Property purchase price rehab_cost: number, // Rehabilitation budget after_repair_value: number, // Expected value after repairs monthly_rent: number, // Expected monthly rent refinance_ltv?: number, // Refinance LTV (default: 0.75) holding_costs_monthly?: number, // Monthly costs during rehab holding_period_months?: number // Rehab duration } ``` ### evaluate_house_hack Calculate house hacking returns ```javascript { purchase_price: number, // Property price down_payment: number, // Down payment amount monthly_rent_unit2: number, // Rent from other unit(s) monthly_rent_unit3?: number,// Additional unit rent monthly_rent_adu?: number, // ADU rent if applicable owner_expenses: number, // Your living expenses interest_rate: number, // Mortgage rate property_tax_rate?: number, // Property tax % insurance_rate?: number, // Insurance % pmi_rate?: number // PMI rate if applicable } ``` ### project_portfolio_growth Project real estate portfolio over 20 years ```javascript { starting_capital: number, // Initial investment capital annual_savings: number, // Yearly savings to invest initial_property_value: number, // First property price annual_appreciation: number, // Expected appreciation % annual_rent_growth: number, // Expected rent growth % target_cash_flow_per_property: number, // Monthly cash flow goal acquisition_pace_years: number // Years between purchases } ``` ### analyze_syndication Evaluate syndication investment opportunities ```javascript { minimum_investment: number, // Minimum investment required total_raise?: number, // Total capital raise preferred_return: number, // Preferred return percentage profit_split_after_pref: number, // LP share after pref (e.g., 70) projected_hold_period: number, // Investment period in years projected_irr: number, // Projected internal rate of return projected_equity_multiple: number // Projected equity multiple } ``` ## 📚 Available Resources ### insights_articles - Access 30+ educational articles - Search by keyword or browse all - Categories: Market Analysis, Investment Strategy, Rental Strategy, Investment Psychology ### state_assistance_programs - Down payment assistance for 10+ states - Federal programs (FHA, VA, USDA) - Income limits and requirements - Contact information ### market_data - Current mortgage rates (all types) - Home price trends by metro - Rental market metrics - Investor cap rates - Economic indicators ### calculator_examples - 15+ detailed examples - Multiple scenarios per calculator - Expected outcomes - Best practices ## 💬 Common Prompts ### First-Time Buyers - "I make $X per year with $Y saved. What can I afford?" - "What down payment assistance is available in [state]?" - "Should I buy now or wait for rates to drop?" ### Investors - "Analyze this BRRRR deal: [provide numbers]" - "Compare house hacking vs traditional rental" - "Project my portfolio growth over 20 years" - "Is this syndication a good investment?" ### Market Research - "What are current mortgage rates?" - "How's the [city] real estate market?" - "Find articles about [topic]" - "Which markets have the best cash flow?" ## 🎯 Pro Tips 1. **Always provide specific numbers** for accurate calculations 2. **Run multiple scenarios** (optimistic, realistic, pessimistic) 3. **Include all costs** (maintenance, vacancy, management) 4. **Consider your timeline** (short-term vs long-term goals) 5. **Factor in market conditions** (rates, inventory, trends) ## 🔗 Useful Combinations ### Complete First-Time Buyer Analysis 1. Check affordability 2. Find state assistance programs 3. Review current rates 4. Read relevant articles ### Investment Property Evaluation 1. Run BRRRR analysis 2. Project portfolio growth 3. Compare to syndications 4. Check market conditions ### Market Comparison 1. Get market data for multiple cities 2. Compare state programs 3. Analyze cash flow potential 4. Review local market articles ## ⚡ Quick Commands - **"What can I afford?"** → Runs affordability calculator - **"Analyze this deal"** → Runs appropriate investment calculator - **"Current rates"** → Shows latest mortgage rates - **"Help in [state]"** → Shows state assistance programs - **"Learn about [topic]"** → Searches educational articles ## 📊 Output Interpretation ### Affordability Results - **Max home price**: Total purchase price you can afford - **DTI ratios**: Should stay under 28%/36% (front/back) - **Monthly payment**: Full PITI payment breakdown ### BRRRR Analysis - **Cash out**: Money returned after refinance - **Cash flow**: Monthly profit after all expenses - **ROI**: Annual return on invested capital ### Portfolio Projection - **Properties**: Number owned at each milestone - **Portfolio value**: Total real estate value - **Cash flow**: Monthly passive income - **Equity**: Net worth in properties ## 🆘 Troubleshooting - **"Can't afford anything"**: Check DTI, consider paying down debts - **"BRRRR shows negative"**: Verify ARV and rent estimates - **"Syndication seems risky"**: Compare multiple opportunities - **"Market data outdated"**: Data refreshed periodically ## 📝 Notes - All calculations are estimates - Consult professionals for actual transactions - Market conditions vary by location - Tax implications not included in calculations