RealVest Real Estate MCP Server

export class BRRRRCalculator { getSchema() { return { type: 'object', properties: { purchase_price: { type: 'number', description: 'Purchase price of the property', minimum: 0 }, rehab_cost: { type: 'number', description: 'Total rehabilitation/renovation costs', minimum: 0 }, after_repair_value: { type: 'number', description: 'Estimated value after repairs (ARV)', minimum: 0 }, monthly_rent: { type: 'number', description: 'Expected monthly rental income', minimum: 0 }, down_payment_percent: { type: 'number', description: 'Down payment percentage for initial purchase', default: 20, minimum: 0, maximum: 100 }, purchase_interest_rate: { type: 'number', description: 'Interest rate for purchase loan (%)', default: 8.0 }, refinance_ltv: { type: 'number', description: 'Loan-to-value ratio for refinance (e.g., 0.75 for 75%)', default: 0.75, minimum: 0, maximum: 1 }, refinance_interest_rate: { type: 'number', description: 'Interest rate for refinance loan (%)', default: 7.0 }, closing_costs: { type: 'number', description: 'Closing costs for purchase', default: 3000 }, refinance_closing_costs: { type: 'number', description: 'Closing costs for refinance', default: 3000 }, monthly_expenses: { type: 'number', description: 'Monthly operating expenses (property tax, insurance, maintenance, etc.)', default: 600 }, vacancy_rate: { type: 'number', description: 'Expected vacancy rate (%)', default: 5, minimum: 0, maximum: 100 }, holding_months: { type: 'number', description: 'Months to hold before refinancing', default: 6, minimum: 1 } }, required: ['purchase_price', 'rehab_cost', 'after_repair_value', 'monthly_rent'] }; } analyze(params) { const { purchase_price, rehab_cost, after_repair_value, monthly_rent, down_payment_percent = 20, purchase_interest_rate = 8.0, refinance_ltv = 0.75, refinance_interest_rate = 7.0, closing_costs = 3000, refinance_closing_costs = 3000, monthly_expenses = 600, vacancy_rate = 5, holding_months = 6 } = params; // Initial investment calculations const down_payment = purchase_price * (down_payment_percent / 100); const initial_loan_amount = purchase_price - down_payment; const total_project_cost = purchase_price + rehab_cost + closing_costs; const cash_needed = down_payment + rehab_cost + closing_costs; // Monthly payment on initial loan const initial_monthly_rate = purchase_interest_rate / 100 / 12; const initial_payment = this.calculateMortgagePayment( initial_loan_amount, initial_monthly_rate, 360 // 30 years ); // Holding costs during rehab/stabilization const holding_costs = holding_months * (initial_payment + monthly_expenses); const total_cash_invested = cash_needed + holding_costs; // Refinance calculations const refinance_amount = after_repair_value * refinance_ltv; const cash_out = refinance_amount - initial_loan_amount - refinance_closing_costs; const cash_left_in_deal = total_cash_invested - cash_out; // New monthly payment after refinance const refinance_monthly_rate = refinance_interest_rate / 100 / 12; const refinance_payment = this.calculateMortgagePayment( refinance_amount, refinance_monthly_rate, 360 // 30 years ); // Cash flow calculations const effective_monthly_rent = monthly_rent * (1 - vacancy_rate / 100); const monthly_cash_flow = effective_monthly_rent - refinance_payment - monthly_expenses; const annual_cash_flow = monthly_cash_flow * 12; // Return calculations const cash_on_cash_return = cash_left_in_deal > 0 ? (annual_cash_flow / cash_left_in_deal) * 100 : Infinity; const total_return_year_one = annual_cash_flow + (after_repair_value - total_project_cost); const roi = (total_return_year_one / total_cash_invested) * 100; // Equity position const equity_after_refinance = after_repair_value - refinance_amount; const equity_capture = after_repair_value - total_project_cost; // Deal metrics const purchase_price_to_arv = (purchase_price / after_repair_value) * 100; const all_in_to_arv = (total_project_cost / after_repair_value) * 100; const rent_to_value = (monthly_rent / after_repair_value) * 100; // Success indicators const success_metrics = { positive_cash_flow: monthly_cash_flow > 0, cash_recovery: cash_out >= total_cash_invested * 0.8, // Recover 80%+ of investment equity_creation: equity_capture > 0, safe_ltv: refinance_ltv <= 0.75, good_cash_on_cash: cash_on_cash_return > 8, meets_one_percent: rent_to_value >= 1 }; const deal_score = Object.values(success_metrics).filter(v => v).length; const deal_rating = deal_score >= 5 ? 'Excellent' : deal_score >= 4 ? 'Good' : deal_score >= 3 ? 'Fair' : 'Poor'; return { initial_investment: { purchase_price, down_payment: Math.round(down_payment), rehab_cost, closing_costs, holding_costs: Math.round(holding_costs), total_cash_needed: Math.round(total_cash_invested) }, refinance_results: { after_repair_value, refinance_loan_amount: Math.round(refinance_amount), cash_out_amount: Math.round(cash_out), cash_left_in_deal: Math.round(cash_left_in_deal), new_monthly_payment: Math.round(refinance_payment) }, cash_flow_analysis: { gross_monthly_rent: monthly_rent, effective_monthly_rent: Math.round(effective_monthly_rent), monthly_expenses, monthly_mortgage: Math.round(refinance_payment), net_monthly_cash_flow: Math.round(monthly_cash_flow), annual_cash_flow: Math.round(annual_cash_flow) }, returns: { cash_on_cash_return: cash_on_cash_return === Infinity ? 'Infinite' : cash_on_cash_return.toFixed(1) + '%', total_roi: roi.toFixed(1) + '%', equity_captured: Math.round(equity_capture), equity_position: Math.round(equity_after_refinance) }, deal_metrics: { purchase_to_arv: purchase_price_to_arv.toFixed(1) + '%', all_in_to_arv: all_in_to_arv.toFixed(1) + '%', rent_to_value: rent_to_value.toFixed(2) + '%', ltv_after_refi: (refinance_ltv * 100).toFixed(0) + '%' }, success_indicators: success_metrics, overall_rating: { score: `${deal_score}/6`, rating: deal_rating, recommendation: deal_rating === 'Excellent' ? 'Strong BRRRR candidate' : deal_rating === 'Good' ? 'Proceed with caution' : 'Consider negotiating better terms' } }; } calculateMortgagePayment(principal, monthlyRate, months) { if (monthlyRate === 0) return principal / months; return principal * (monthlyRate * Math.pow(1 + monthlyRate, months)) / (Math.pow(1 + monthlyRate, months) - 1); } }