RealVest Real Estate MCP Server

/** * Construction Loan Calculator * Analyzes construction loan costs, draws, interest-only payments, and permanent financing */ export class ConstructionLoanCalculator { getSchema() { return { type: 'object', properties: { project_details: { type: 'object', properties: { property_type: { type: 'string', enum: ['single_family', 'multi_family', 'commercial', 'custom_home', 'spec_home'], description: 'Type of construction project' }, construction_cost: { type: 'number', minimum: 0, description: 'Total construction cost estimate' }, land_cost: { type: 'number', minimum: 0, description: 'Cost of land (if not owned)' }, finished_value: { type: 'number', minimum: 0, description: 'Expected finished property value' }, construction_timeline_months: { type: 'number', minimum: 1, maximum: 60, description: 'Expected construction timeline in months' }, square_footage: { type: 'number', minimum: 0, description: 'Total square footage of finished property' }, project_address: { type: 'string', description: 'Project location address' } }, required: ['property_type', 'construction_cost', 'finished_value', 'construction_timeline_months'] }, construction_loan: { type: 'object', properties: { loan_amount: { type: 'number', minimum: 0, description: 'Construction loan amount' }, interest_rate: { type: 'number', minimum: 0, maximum: 30, description: 'Construction loan interest rate (%)' }, loan_term_months: { type: 'number', minimum: 1, maximum: 60, description: 'Construction loan term in months' }, ltc_ratio: { type: 'number', minimum: 0, maximum: 1, description: 'Loan-to-cost ratio (0.0-1.0)' }, origination_fee: { type: 'number', minimum: 0, description: 'Loan origination fee ($)' }, draw_fee: { type: 'number', minimum: 0, description: 'Fee per draw ($)' }, inspection_fee: { type: 'number', minimum: 0, description: 'Inspection fee per draw ($)' }, appraisal_fee: { type: 'number', minimum: 0, description: 'Appraisal fee ($)' } }, required: ['interest_rate', 'loan_term_months'] }, permanent_financing: { type: 'object', properties: { permanent_rate: { type: 'number', minimum: 0, maximum: 15, description: 'Permanent loan interest rate (%)' }, permanent_term_years: { type: 'number', minimum: 1, maximum: 50, description: 'Permanent loan term in years' }, permanent_ltv: { type: 'number', minimum: 0, maximum: 1, description: 'Permanent loan-to-value ratio (0.0-1.0)' }, conversion_type: { type: 'string', enum: ['construction_to_perm', 'separate_closing', 'end_loan'], description: 'Type of permanent financing conversion' }, conversion_fees: { type: 'number', minimum: 0, description: 'Fees for converting to permanent loan ($)' } } }, draw_schedule: { type: 'array', items: { type: 'object', properties: { phase: { type: 'string', description: 'Construction phase name' }, percentage: { type: 'number', minimum: 0, maximum: 100, description: 'Percentage of total cost for this phase' }, month: { type: 'number', minimum: 1, description: 'Expected month of completion' }, description: { type: 'string', description: 'Description of work completed' } }, required: ['phase', 'percentage', 'month'] }, description: 'Detailed draw schedule by construction phase' }, additional_costs: { type: 'object', properties: { permits_fees: { type: 'number', minimum: 0, description: 'Building permits and fees' }, utility_connections: { type: 'number', minimum: 0, description: 'Utility connection costs' }, soft_costs: { type: 'number', minimum: 0, description: 'Architect, engineer, consultant fees' }, interim_insurance: { type: 'number', minimum: 0, description: 'Construction insurance cost' }, carrying_costs: { type: 'number', minimum: 0, description: 'Property taxes, utilities during construction' }, contingency_percentage: { type: 'number', minimum: 0, maximum: 50, description: 'Contingency as percentage of construction cost' } } }, analysis_options: { type: 'object', properties: { include_cost_breakdown: { type: 'boolean', description: 'Include detailed cost analysis' }, compare_scenarios: { type: 'boolean', description: 'Compare different financing scenarios' }, stress_test: { type: 'boolean', description: 'Perform stress testing on timeline and costs' }, monthly_cash_flow: { type: 'boolean', description: 'Calculate monthly cash flow requirements' } } } }, required: ['project_details', 'construction_loan'] }; } calculate(params) { const { project_details, construction_loan, permanent_financing = {}, draw_schedule = [], additional_costs = {}, analysis_options = {} } = params; // Calculate total project cost const total_project_cost = this.calculateTotalProjectCost( project_details, additional_costs ); // Determine loan amount if not specified const loan_amount = construction_loan.loan_amount || (total_project_cost.total_cost * (construction_loan.ltc_ratio || 0.8)); // Calculate construction phase financing const construction_analysis = this.analyzeConstructionPhase( project_details, construction_loan, loan_amount, draw_schedule ); // Calculate interest-only payments const payment_schedule = this.calculatePaymentSchedule( construction_analysis, construction_loan, project_details.construction_timeline_months ); // Analyze permanent financing const permanent_analysis = permanent_financing.permanent_rate ? this.analyzePermanentFinancing( project_details.finished_value, permanent_financing, construction_analysis.total_drawn ) : null; // Project profitability analysis const profitability = this.analyzeProfitability( project_details, total_project_cost, construction_analysis, permanent_analysis ); // Risk assessment const risk_analysis = this.assessConstructionRisks( project_details, construction_loan, total_project_cost, construction_analysis ); // Cash flow requirements const cash_flow_analysis = analysis_options.monthly_cash_flow ? this.analyzeCashFlowRequirements( total_project_cost, construction_analysis, payment_schedule, project_details.construction_timeline_months ) : null; // Comparison scenarios const scenario_comparison = analysis_options.compare_scenarios ? this.compareFinancingScenarios( project_details, construction_loan, total_project_cost ) : null; // Stress testing const stress_testing = analysis_options.stress_test ? this.performStressTesting( project_details, construction_loan, total_project_cost, profitability ) : null; return { project_summary: { ...project_details, cost_per_sqft: project_details.square_footage ? total_project_cost.construction_cost / project_details.square_footage : null, value_per_sqft: project_details.square_footage ? project_details.finished_value / project_details.square_footage : null }, total_project_cost, construction_loan_analysis: construction_analysis, payment_schedule, permanent_financing_analysis: permanent_analysis, profitability_analysis: profitability, risk_assessment: risk_analysis, cash_flow_requirements: cash_flow_analysis, scenario_comparison, stress_testing, recommendations: this.generateRecommendations( total_project_cost, construction_analysis, profitability, risk_analysis ) }; } calculateTotalProjectCost(project_details, additional_costs) { const land_cost = project_details.land_cost || 0; const construction_cost = project_details.construction_cost; const permits_fees = additional_costs.permits_fees || construction_cost * 0.02; const utility_connections = additional_costs.utility_connections || 15000; const soft_costs = additional_costs.soft_costs || construction_cost * 0.08; const interim_insurance = additional_costs.interim_insurance || construction_cost * 0.005; const carrying_costs = additional_costs.carrying_costs || construction_cost * 0.015; const contingency_percentage = additional_costs.contingency_percentage || 10; const contingency = construction_cost * (contingency_percentage / 100); const hard_costs = construction_cost + contingency; const soft_costs_total = permits_fees + utility_connections + soft_costs + interim_insurance + carrying_costs; const total_cost = land_cost + hard_costs + soft_costs_total; return { land_cost, construction_cost, hard_costs, soft_costs_breakdown: { permits_fees, utility_connections, soft_costs, interim_insurance, carrying_costs }, soft_costs_total, contingency, contingency_percentage, total_cost, cost_breakdown_percentage: { land: (land_cost / total_cost) * 100, construction: (construction_cost / total_cost) * 100, soft_costs: (soft_costs_total / total_cost) * 100, contingency: (contingency / total_cost) * 100 } }; } analyzeConstructionPhase(project_details, construction_loan, loan_amount, draw_schedule) { // Default draw schedule if not provided const default_draws = [ { phase: 'Foundation', percentage: 15, month: 1 }, { phase: 'Framing', percentage: 20, month: 2 }, { phase: 'Mechanical/Electrical/Plumbing', percentage: 20, month: 3 }, { phase: 'Drywall/Interior', percentage: 25, month: 4 }, { phase: 'Final/Completion', percentage: 20, month: 5 } ]; const draws = draw_schedule.length > 0 ? draw_schedule : default_draws; const timeline_months = project_details.construction_timeline_months; // Calculate draw amounts and timing let cumulative_drawn = 0; const draw_analysis = draws.map((draw, index) => { const draw_amount = loan_amount * (draw.percentage / 100); cumulative_drawn += draw_amount; return { ...draw, draw_number: index + 1, draw_amount, cumulative_drawn, interest_base: cumulative_drawn, month_scheduled: Math.min(draw.month, timeline_months) }; }); // Calculate total fees const origination_fee = construction_loan.origination_fee || loan_amount * 0.01; const total_draw_fees = (construction_loan.draw_fee || 300) * draws.length; const total_inspection_fees = (construction_loan.inspection_fee || 250) * draws.length; const appraisal_fee = construction_loan.appraisal_fee || 500; const total_fees = origination_fee + total_draw_fees + total_inspection_fees + appraisal_fee; return { loan_amount, ltc_ratio: loan_amount / project_details.construction_cost, draw_schedule: draw_analysis, total_drawn: cumulative_drawn, fees_breakdown: { origination_fee, draw_fees: total_draw_fees, inspection_fees: total_inspection_fees, appraisal_fee, total_fees }, expected_completion_month: Math.max(...draws.map(d => d.month)) }; } calculatePaymentSchedule(construction_analysis, construction_loan, timeline_months) { const monthly_rate = construction_loan.interest_rate / 100 / 12; const payments = []; let current_balance = 0; for (let month = 1; month <= timeline_months; month++) { // Check for draws this month const monthly_draws = construction_analysis.draw_schedule.filter( draw => draw.month_scheduled === month ); const draws_amount = monthly_draws.reduce((sum, draw) => sum + draw.draw_amount, 0); current_balance += draws_amount; // Calculate interest payment const interest_payment = current_balance * monthly_rate; payments.push({ month, beginning_balance: current_balance - draws_amount, draws_received: draws_amount, ending_balance: current_balance, interest_payment, draws_this_month: monthly_draws.length, cumulative_interest: payments.reduce((sum, p) => sum + p.interest_payment, 0) + interest_payment }); } const total_interest = payments.reduce((sum, payment) => sum + payment.interest_payment, 0); const average_monthly_payment = total_interest / timeline_months; return { monthly_payments: payments, summary: { total_interest_paid: total_interest, average_monthly_payment, highest_monthly_payment: Math.max(...payments.map(p => p.interest_payment)), total_construction_draws: construction_analysis.total_drawn, final_balance_to_convert: current_balance } }; } analyzePermanentFinancing(finished_value, permanent_financing, construction_balance) { const { permanent_rate, permanent_term_years, permanent_ltv, conversion_type = 'construction_to_perm', conversion_fees = 0 } = permanent_financing; const max_permanent_loan = finished_value * (permanent_ltv || 0.8); const permanent_loan_amount = Math.min(construction_balance, max_permanent_loan); const cash_needed = Math.max(0, construction_balance - permanent_loan_amount); // Calculate permanent loan payment const monthly_rate = permanent_rate / 100 / 12; const num_payments = permanent_term_years * 12; const monthly_payment = permanent_loan_amount * (monthly_rate * Math.pow(1 + monthly_rate, num_payments)) / (Math.pow(1 + monthly_rate, num_payments) - 1); return { finished_appraised_value: finished_value, permanent_ltv: permanent_ltv || 0.8, max_permanent_loan, permanent_loan_amount, cash_needed_at_conversion: cash_needed, monthly_payment, conversion_details: { conversion_type, conversion_fees, estimated_closing_costs: permanent_loan_amount * 0.015 }, loan_summary: { principal: permanent_loan_amount, interest_rate: permanent_rate, term_years: permanent_term_years, total_payments: monthly_payment * num_payments, total_interest: (monthly_payment * num_payments) - permanent_loan_amount } }; } analyzeProfitability(project_details, total_project_cost, construction_analysis, permanent_analysis) { const total_investment = total_project_cost.total_cost + construction_analysis.fees_breakdown.total_fees; const finished_value = project_details.finished_value; const gross_profit = finished_value - total_investment; const profit_margin = (gross_profit / finished_value) * 100; const roi = (gross_profit / total_investment) * 100; // Calculate out-of-pocket investment const loan_proceeds = construction_analysis.total_drawn; const out_of_pocket = total_investment - loan_proceeds + (permanent_analysis?.cash_needed_at_conversion || 0); const leveraged_roi = out_of_pocket > 0 ? (gross_profit / out_of_pocket) * 100 : null; // Timeline-adjusted returns const timeline_years = project_details.construction_timeline_months / 12; const annualized_roi = roi / timeline_years; const annualized_leveraged_roi = leveraged_roi ? leveraged_roi / timeline_years : null; return { investment_analysis: { total_investment, finished_value, gross_profit, profit_margin, roi, out_of_pocket_investment: out_of_pocket, leveraged_roi }, time_adjusted_returns: { construction_timeline_months: project_details.construction_timeline_months, timeline_years, annualized_roi, annualized_leveraged_roi }, profitability_rating: this.rateProfitability(profit_margin, annualized_roi), breakeven_analysis: { breakeven_sale_price: total_investment, minimum_margin_for_profit: 0, required_appreciation: total_investment > finished_value ? ((total_investment - finished_value) / finished_value) * 100 : 0 } }; } assessConstructionRisks(project_details, construction_loan, total_project_cost, construction_analysis) { const risks = []; let risk_score = 0; // Timeline risk if (project_details.construction_timeline_months > 12) { risks.push({ category: 'Timeline Risk', level: 'High', description: 'Construction timeline over 12 months increases cost overrun risk', impact: 'Cost overruns, extended interest payments' }); risk_score += 3; } else if (project_details.construction_timeline_months > 8) { risks.push({ category: 'Timeline Risk', level: 'Medium', description: 'Moderate construction timeline may face seasonal delays', impact: 'Potential schedule delays' }); risk_score += 2; } // Cost risk const contingency_percentage = total_project_cost.contingency_percentage; if (contingency_percentage < 8) { risks.push({ category: 'Cost Risk', level: 'High', description: 'Low contingency may not cover unexpected costs', impact: 'Budget overruns, need for additional funding' }); risk_score += 3; } else if (contingency_percentage < 12) { risks.push({ category: 'Cost Risk', level: 'Medium', description: 'Moderate contingency for cost variations', impact: 'Some protection against cost increases' }); risk_score += 1; } // Interest rate risk if (construction_loan.interest_rate > 8) { risks.push({ category: 'Financing Risk', level: 'High', description: 'High construction loan interest rate increases carrying costs', impact: 'Higher monthly payments, reduced profitability' }); risk_score += 2; } // LTC ratio risk const ltc_ratio = construction_analysis.ltc_ratio; if (ltc_ratio > 0.9) { risks.push({ category: 'Leverage Risk', level: 'High', description: 'High loan-to-cost ratio leaves little equity buffer', impact: 'Higher risk of needing additional capital' }); risk_score += 3; } else if (ltc_ratio > 0.8) { risks.push({ category: 'Leverage Risk', level: 'Medium', description: 'Moderate leverage with adequate equity buffer', impact: 'Balanced risk-return profile' }); risk_score += 1; } // Market risk const value_to_cost_ratio = project_details.finished_value / total_project_cost.total_cost; if (value_to_cost_ratio < 1.15) { risks.push({ category: 'Market Risk', level: 'High', description: 'Low margin between cost and value leaves little room for market changes', impact: 'Vulnerable to market downturns' }); risk_score += 3; } else if (value_to_cost_ratio < 1.25) { risks.push({ category: 'Market Risk', level: 'Medium', description: 'Moderate value buffer against market fluctuations', impact: 'Some protection against market changes' }); risk_score += 1; } const overall_risk_level = risk_score >= 8 ? 'High' : risk_score >= 4 ? 'Medium' : 'Low'; return { identified_risks: risks, risk_score, overall_risk_level, risk_mitigation_strategies: this.getRiskMitigationStrategies(risks), contingency_recommendations: this.getContingencyRecommendations( contingency_percentage, project_details.property_type ) }; } analyzeCashFlowRequirements(total_project_cost, construction_analysis, payment_schedule, timeline_months) { const monthly_requirements = []; let cumulative_out_of_pocket = 0; for (let month = 1; month <= timeline_months; month++) { const payment_info = payment_schedule.monthly_payments[month - 1]; const monthly_cost = total_project_cost.total_cost / timeline_months; // Simplified assumption const draws_received = payment_info.draws_received; const interest_payment = payment_info.interest_payment; const net_cash_needed = monthly_cost - draws_received + interest_payment; cumulative_out_of_pocket += Math.max(0, net_cash_needed); monthly_requirements.push({ month, estimated_monthly_costs: monthly_cost, draws_received, interest_payment, net_cash_needed, cumulative_out_of_pocket }); } const peak_cash_requirement = Math.max(...monthly_requirements.map(m => m.cumulative_out_of_pocket)); const total_out_of_pocket = cumulative_out_of_pocket; return { monthly_cash_flow: monthly_requirements, cash_flow_summary: { peak_cash_requirement, total_out_of_pocket_needed: total_out_of_pocket, average_monthly_requirement: total_out_of_pocket / timeline_months, recommended_reserve: peak_cash_requirement * 1.2 // 20% buffer } }; } compareFinancingScenarios(project_details, base_loan, total_project_cost) { const scenarios = []; // Base scenario scenarios.push({ name: 'Base Scenario', loan_amount: base_loan.loan_amount || total_project_cost.total_cost * 0.8, interest_rate: base_loan.interest_rate, ltc_ratio: 0.8, estimated_interest: this.estimateConstructionInterest( base_loan.loan_amount || total_project_cost.total_cost * 0.8, base_loan.interest_rate, project_details.construction_timeline_months ) }); // Higher LTC scenario const high_ltc_loan = total_project_cost.total_cost * 0.9; scenarios.push({ name: 'Higher Leverage (90% LTC)', loan_amount: high_ltc_loan, interest_rate: base_loan.interest_rate + 0.5, // Higher rate for higher LTC ltc_ratio: 0.9, estimated_interest: this.estimateConstructionInterest( high_ltc_loan, base_loan.interest_rate + 0.5, project_details.construction_timeline_months ) }); // Lower LTC scenario const low_ltc_loan = total_project_cost.total_cost * 0.7; scenarios.push({ name: 'Conservative (70% LTC)', loan_amount: low_ltc_loan, interest_rate: base_loan.interest_rate - 0.25, // Lower rate for lower LTC ltc_ratio: 0.7, estimated_interest: this.estimateConstructionInterest( low_ltc_loan, base_loan.interest_rate - 0.25, project_details.construction_timeline_months ) }); // Add out-of-pocket calculations scenarios.forEach(scenario => { scenario.out_of_pocket_needed = total_project_cost.total_cost - scenario.loan_amount; scenario.total_financing_cost = scenario.estimated_interest + (scenario.loan_amount * 0.015); // Estimated fees scenario.effective_cost = scenario.total_financing_cost / scenario.loan_amount * 100; }); return { scenarios, recommendation: this.recommendBestScenario(scenarios) }; } performStressTesting(project_details, construction_loan, total_project_cost, base_profitability) { const tests = []; // Cost overrun scenarios [10, 20, 30].forEach(overrun_percent => { const increased_cost = total_project_cost.total_cost * (1 + overrun_percent / 100); const new_profit = project_details.finished_value - increased_cost; const new_margin = (new_profit / project_details.finished_value) * 100; tests.push({ scenario: `${overrun_percent}% Cost Overrun`, impact: 'Cost', parameter_change: `+${overrun_percent}%`, new_total_cost: increased_cost, new_profit: new_profit, new_profit_margin: new_margin, profit_change: new_margin - base_profitability.investment_analysis.profit_margin, viability: new_margin > 5 ? 'Viable' : new_margin > 0 ? 'Marginal' : 'Not Viable' }); }); // Timeline extension scenarios [2, 4, 6].forEach(additional_months => { const new_timeline = project_details.construction_timeline_months + additional_months; const additional_interest = this.estimateConstructionInterest( construction_loan.loan_amount || total_project_cost.total_cost * 0.8, construction_loan.interest_rate, additional_months ); const new_total_cost = total_project_cost.total_cost + additional_interest; const new_profit = project_details.finished_value - new_total_cost; const new_margin = (new_profit / project_details.finished_value) * 100; tests.push({ scenario: `${additional_months} Month Delay`, impact: 'Timeline', parameter_change: `+${additional_months} months`, new_timeline_months: new_timeline, additional_interest, new_profit: new_profit, new_profit_margin: new_margin, profit_change: new_margin - base_profitability.investment_analysis.profit_margin, viability: new_margin > 5 ? 'Viable' : new_margin > 0 ? 'Marginal' : 'Not Viable' }); }); // Market value scenarios [-10, -15, -20].forEach(value_decline => { const new_value = project_details.finished_value * (1 + value_decline / 100); const new_profit = new_value - total_project_cost.total_cost; const new_margin = (new_profit / new_value) * 100; tests.push({ scenario: `${Math.abs(value_decline)}% Value Decline`, impact: 'Market Value', parameter_change: `${value_decline}%`, new_finished_value: new_value, new_profit: new_profit, new_profit_margin: new_margin, profit_change: new_margin - base_profitability.investment_analysis.profit_margin, viability: new_margin > 5 ? 'Viable' : new_margin > 0 ? 'Marginal' : 'Not Viable' }); }); const worst_case = tests.reduce((worst, test) => test.new_profit_margin < worst.new_profit_margin ? test : worst ); return { stress_tests: tests, worst_case_scenario: worst_case, resilience_score: this.calculateResilienceScore(tests), recommendations: this.getStressTestRecommendations(tests) }; } // Helper methods estimateConstructionInterest(loan_amount, interest_rate, months) { // Simplified calculation assuming average balance of 50% of loan amount const average_balance = loan_amount * 0.5; const monthly_rate = interest_rate / 100 / 12; return average_balance * monthly_rate * months; } rateProfitability(profit_margin, annualized_roi) { if (profit_margin >= 20 && annualized_roi >= 25) return 'Excellent'; if (profit_margin >= 15 && annualized_roi >= 20) return 'Very Good'; if (profit_margin >= 10 && annualized_roi >= 15) return 'Good'; if (profit_margin >= 5 && annualized_roi >= 10) return 'Fair'; return 'Poor'; } getRiskMitigationStrategies(risks) { const strategies = []; risks.forEach(risk => { switch (risk.category) { case 'Timeline Risk': strategies.push('Build buffer time into construction schedule'); strategies.push('Pre-approve all materials and finishes'); strategies.push('Establish relationships with reliable subcontractors'); break; case 'Cost Risk': strategies.push('Increase contingency budget to 12-15%'); strategies.push('Lock in material prices where possible'); strategies.push('Get detailed bids from all contractors'); break; case 'Financing Risk': strategies.push('Consider rate locks or caps if available'); strategies.push('Shop multiple lenders for better terms'); strategies.push('Maintain strong credit and reserves'); break; case 'Market Risk': strategies.push('Monitor local market conditions closely'); strategies.push('Consider pre-selling or finding buyer early'); strategies.push('Build in higher profit margins'); break; } }); return [...new Set(strategies)]; // Remove duplicates } getContingencyRecommendations(current_contingency, property_type) { const recommendations = { 'single_family': { min: 8, recommended: 12, max: 15 }, 'multi_family': { min: 10, recommended: 15, max: 20 }, 'commercial': { min: 12, recommended: 18, max: 25 }, 'custom_home': { min: 10, recommended: 15, max: 20 }, 'spec_home': { min: 8, recommended: 12, max: 15 } }; const rec = recommendations[property_type] || recommendations['single_family']; return { current_contingency: current_contingency, recommended_range: rec, recommendation: current_contingency < rec.min ? `Increase contingency to at least ${rec.min}%` : current_contingency > rec.max ? `Consider reducing contingency from ${current_contingency}% to ${rec.recommended}%` : 'Contingency level is appropriate' }; } recommendBestScenario(scenarios) { // Score scenarios based on multiple factors const scored_scenarios = scenarios.map(scenario => { let score = 0; // Lower effective cost is better if (scenario.effective_cost < 8) score += 3; else if (scenario.effective_cost < 10) score += 2; else score += 1; // Moderate leverage is preferred if (scenario.ltc_ratio >= 0.75 && scenario.ltc_ratio <= 0.85) score += 3; else if (scenario.ltc_ratio >= 0.7 && scenario.ltc_ratio <= 0.9) score += 2; else score += 1; // Lower out-of-pocket is generally better const out_of_pocket_ratio = scenario.out_of_pocket_needed / scenario.loan_amount; if (out_of_pocket_ratio < 0.3) score += 3; else if (out_of_pocket_ratio < 0.5) score += 2; else score += 1; return { ...scenario, score }; }); const best_scenario = scored_scenarios.reduce((best, current) => current.score > best.score ? current : best ); return { recommended_scenario: best_scenario.name, reasoning: `Best balance of leverage (${(best_scenario.ltc_ratio * 100).toFixed(0)}% LTC), ` + `effective cost (${best_scenario.effective_cost.toFixed(2)}%), ` + `and capital efficiency` }; } calculateResilienceScore(stress_tests) { const viable_tests = stress_tests.filter(test => test.viability === 'Viable').length; const total_tests = stress_tests.length; return Math.round((viable_tests / total_tests) * 100); } getStressTestRecommendations(stress_tests) { const recommendations = []; const not_viable_count = stress_tests.filter(test => test.viability === 'Not Viable').length; const marginal_count = stress_tests.filter(test => test.viability === 'Marginal').length; if (not_viable_count > 3) { recommendations.push('Project has high risk - consider increasing profit margins or reducing costs'); } if (marginal_count > 2) { recommendations.push('Build in additional safety margins for cost overruns and delays'); } const worst_cost_impact = Math.max(...stress_tests .filter(t => t.impact === 'Cost') .map(t => Math.abs(t.profit_change))); if (worst_cost_impact > 15) { recommendations.push('Consider increasing contingency budget to protect against cost overruns'); } return recommendations; } generateRecommendations(total_project_cost, construction_analysis, profitability, risk_analysis) { const recommendations = []; // Profitability recommendations if (profitability.investment_analysis.profit_margin < 10) { recommendations.push({ category: 'Profitability', priority: 'High', recommendation: 'Profit margin below 10% - consider reducing costs or increasing finished value', action: 'Review construction budget and market comparables' }); } // Risk recommendations if (risk_analysis.overall_risk_level === 'High') { recommendations.push({ category: 'Risk Management', priority: 'High', recommendation: 'High risk level detected - implement comprehensive risk mitigation', action: 'Follow all recommended risk mitigation strategies' }); } // Financing recommendations if (construction_analysis.ltc_ratio > 0.85) { recommendations.push({ category: 'Financing', priority: 'Medium', recommendation: 'High leverage increases risk - consider additional equity investment', action: 'Reduce loan amount or increase down payment' }); } // Timeline recommendations if (construction_analysis.expected_completion_month > 12) { recommendations.push({ category: 'Timeline', priority: 'Medium', recommendation: 'Long construction timeline increases risk and costs', action: 'Develop detailed schedule with milestone tracking' }); } // Contingency recommendations if (total_project_cost.contingency_percentage < 10) { recommendations.push({ category: 'Budget', priority: 'High', recommendation: 'Increase contingency budget to protect against cost overruns', action: `Increase contingency from ${total_project_cost.contingency_percentage}% to at least 12%` }); } return recommendations; } }