RealVest Real Estate MCP Server

export class DebtToIncomeCalculator { getSchema() { return { type: 'object', properties: { monthly_income: { type: 'number', description: 'Monthly gross income in dollars', minimum: 0 }, proposed_housing_payment: { type: 'number', description: 'Proposed monthly housing payment (PITI + HOA)', minimum: 0 }, car_payments: { type: 'number', description: 'Monthly car loan/lease payments', default: 0 }, credit_card_minimums: { type: 'number', description: 'Monthly credit card minimum payments', default: 0 }, student_loans: { type: 'number', description: 'Monthly student loan payments', default: 0 }, personal_loans: { type: 'number', description: 'Monthly personal loan payments', default: 0 }, child_support_alimony: { type: 'number', description: 'Monthly child support or alimony payments', default: 0 }, other_debts: { type: 'number', description: 'Other monthly debt obligations', default: 0 }, loan_type: { type: 'string', description: 'Type of loan being considered', enum: ['conventional', 'fha', 'va', 'usda'], default: 'conventional' } }, required: ['monthly_income', 'proposed_housing_payment'] }; } calculate(params) { const { monthly_income, proposed_housing_payment, car_payments = 0, credit_card_minimums = 0, student_loans = 0, personal_loans = 0, child_support_alimony = 0, other_debts = 0, loan_type = 'conventional' } = params; // Calculate total monthly debts (excluding proposed housing) const totalMonthlyDebts = car_payments + credit_card_minimums + student_loans + personal_loans + child_support_alimony + other_debts; // Calculate DTI ratios const frontEndRatio = (proposed_housing_payment / monthly_income) * 100; const backEndRatio = ((proposed_housing_payment + totalMonthlyDebts) / monthly_income) * 100; // Get limits based on loan type const limits = this.getLimitsForLoanType(loan_type); // Calculate qualification status const frontEndStatus = this.getQualificationStatus(frontEndRatio, limits.frontEnd); const backEndStatus = this.getQualificationStatus(backEndRatio, limits.backEnd); const overallStatus = this.getOverallStatus(frontEndStatus, backEndStatus); // Calculate maximum affordable payments const maxHousingPayment = monthly_income * (limits.frontEnd / 100); const maxTotalDebtPayment = monthly_income * (limits.backEnd / 100); const maxAffordableHousing = Math.min(maxHousingPayment, maxTotalDebtPayment - totalMonthlyDebts); // Calculate debt breakdown const debtBreakdown = this.calculateDebtBreakdown({ car_payments, credit_card_minimums, student_loans, personal_loans, child_support_alimony, other_debts }, totalMonthlyDebts); return { income_analysis: { monthly_income: monthly_income, annual_income: monthly_income * 12 }, proposed_payment: { housing_payment: proposed_housing_payment, total_monthly_debts: totalMonthlyDebts, total_obligations: proposed_housing_payment + totalMonthlyDebts }, dti_ratios: { front_end: { ratio: frontEndRatio.toFixed(1) + '%', limit: limits.frontEnd + '%', status: frontEndStatus, amount_over_under: proposed_housing_payment - maxHousingPayment }, back_end: { ratio: backEndRatio.toFixed(1) + '%', limit: limits.backEnd + '%', status: backEndStatus, amount_over_under: (proposed_housing_payment + totalMonthlyDebts) - maxTotalDebtPayment } }, qualification: { overall_status: overallStatus, loan_type: loan_type, front_end_passes: frontEndStatus === 'Excellent' || frontEndStatus === 'Good', back_end_passes: backEndStatus === 'Excellent' || backEndStatus === 'Good', likely_approval: overallStatus === 'Likely Approved' }, maximum_affordable: { housing_payment: Math.round(maxAffordableHousing), current_proposal: proposed_housing_payment, difference: Math.round(maxAffordableHousing - proposed_housing_payment), percentage_of_max_used: ((proposed_housing_payment / maxAffordableHousing) * 100).toFixed(1) + '%' }, debt_breakdown: debtBreakdown, recommendations: this.generateRecommendations(frontEndRatio, backEndRatio, limits, totalMonthlyDebts, monthly_income), improvement_strategies: this.getImprovementStrategies(frontEndRatio, backEndRatio, limits, totalMonthlyDebts, monthly_income) }; } getLimitsForLoanType(loanType) { const limits = { conventional: { frontEnd: 28, backEnd: 36 }, fha: { frontEnd: 31, backEnd: 43 }, va: { frontEnd: 41, backEnd: 41 }, // VA uses residual income method primarily usda: { frontEnd: 29, backEnd: 41 } }; return limits[loanType] || limits.conventional; } getQualificationStatus(ratio, limit) { if (ratio <= limit * 0.8) return 'Excellent'; if (ratio <= limit) return 'Good'; if (ratio <= limit * 1.1) return 'Marginal'; return 'Poor'; } getOverallStatus(frontEndStatus, backEndStatus) { if (frontEndStatus === 'Poor' || backEndStatus === 'Poor') return 'Likely Declined'; if (frontEndStatus === 'Marginal' || backEndStatus === 'Marginal') return 'Manual Underwriting'; if (frontEndStatus === 'Good' && backEndStatus === 'Good') return 'Likely Approved'; return 'Excellent Candidate'; } calculateDebtBreakdown(debts, totalDebts) { const breakdown = []; Object.entries(debts).forEach(([key, value]) => { if (value > 0) { const percentage = ((value / totalDebts) * 100).toFixed(1); breakdown.push({ type: key.replace('_', ' ').replace(/\b\w/g, l => l.toUpperCase()), amount: value, percentage: percentage + '%' }); } }); return breakdown.sort((a, b) => b.amount - a.amount); } generateRecommendations(frontEndRatio, backEndRatio, limits, totalDebts, monthlyIncome) { const recommendations = []; if (frontEndRatio > limits.frontEnd) { const reduction = Math.ceil((frontEndRatio - limits.frontEnd) / 100 * monthlyIncome); recommendations.push(`Reduce proposed housing payment by $${reduction} to meet front-end DTI requirements.`); } if (backEndRatio > limits.backEnd) { const reduction = Math.ceil((backEndRatio - limits.backEnd) / 100 * monthlyIncome); recommendations.push(`Reduce total debt obligations by $${reduction} to meet back-end DTI requirements.`); } if (totalDebts > monthlyIncome * 0.2) { recommendations.push('Consider debt consolidation to reduce monthly obligations.'); } if (frontEndRatio <= limits.frontEnd * 0.8 && backEndRatio <= limits.backEnd * 0.8) { recommendations.push('Excellent DTI ratios! You may qualify for better interest rates.'); } return recommendations; } getImprovementStrategies(frontEndRatio, backEndRatio, limits, totalDebts, monthlyIncome) { const strategies = []; if (frontEndRatio > limits.frontEnd || backEndRatio > limits.backEnd) { strategies.push({ strategy: 'Increase Income', description: 'Consider side income, overtime, or job advancement', potential_impact: 'Major improvement in DTI ratios' }); strategies.push({ strategy: 'Pay Down High-Interest Debt', description: 'Focus on credit cards and personal loans first', potential_impact: 'Directly improves back-end ratio' }); strategies.push({ strategy: 'Consider Different Loan Type', description: 'FHA loans allow higher DTI ratios (43% back-end)', potential_impact: 'May qualify with current debt levels' }); } if (totalDebts > monthlyIncome * 0.15) { strategies.push({ strategy: 'Debt Consolidation', description: 'Combine multiple debts into one lower payment', potential_impact: 'Reduce monthly obligations by 10-30%' }); } strategies.push({ strategy: 'Lower Housing Budget', description: 'Look for homes in lower price ranges', potential_impact: 'Immediate qualification improvement' }); return strategies; } }