RealVest Real Estate MCP Server

{ "mortgage_rates": { "current": { "date": "2025-01-15", "rates": { "30_year_fixed": { "rate": 6.85, "apr": 6.92, "points": 0.6, "trend": "up", "change_from_last_week": 0.12 }, "15_year_fixed": { "rate": 6.02, "apr": 6.15, "points": 0.5, "trend": "up", "change_from_last_week": 0.08 }, "5_1_arm": { "rate": 5.95, "apr": 7.12, "points": 0.4, "trend": "stable", "change_from_last_week": 0.02 }, "fha_30_year": { "rate": 6.45, "apr": 7.21, "points": 0.5, "trend": "up", "change_from_last_week": 0.10 }, "va_30_year": { "rate": 6.25, "apr": 6.45, "points": 0.3, "trend": "up", "change_from_last_week": 0.08 }, "jumbo_30_year": { "rate": 7.15, "apr": 7.22, "points": 0.4, "trend": "up", "change_from_last_week": 0.15 } } }, "historical": { "one_year_ago": { "30_year_fixed": 6.35, "15_year_fixed": 5.52 }, "six_months_ago": { "30_year_fixed": 7.15, "15_year_fixed": 6.38 }, "peak_2023": { "date": "October 2023", "30_year_fixed": 7.79, "15_year_fixed": 7.03 } }, "forecast": { "q1_2025": { "30_year_fixed": "6.7-7.0%", "outlook": "Rates expected to remain elevated due to inflation concerns" }, "q2_2025": { "30_year_fixed": "6.5-6.8%", "outlook": "Potential slight decrease if Fed signals rate cuts" } } }, "home_prices": { "national": { "median_price": 412000, "year_over_year_change": 3.2, "month_over_month_change": -0.5, "price_per_sqft": 225, "inventory_months": 3.4 }, "top_markets": [ { "metro": "Austin, TX", "median_price": 485000, "yoy_change": -2.1, "inventory_months": 4.2, "market_temp": "cooling" }, { "metro": "Phoenix, AZ", "median_price": 445000, "yoy_change": 1.8, "inventory_months": 3.8, "market_temp": "balanced" }, { "metro": "Miami, FL", "median_price": 595000, "yoy_change": 5.2, "inventory_months": 2.9, "market_temp": "hot" }, { "metro": "Denver, CO", "median_price": 625000, "yoy_change": 2.5, "inventory_months": 2.2, "market_temp": "competitive" }, { "metro": "Nashville, TN", "median_price": 425000, "yoy_change": 3.8, "inventory_months": 3.1, "market_temp": "balanced" } ] }, "rental_market": { "national_average_rent": 1895, "year_over_year_change": 2.8, "vacancy_rate": 6.2, "rent_to_price_ratio": 0.0046, "top_rental_markets": [ { "city": "Columbus, OH", "average_rent": 1425, "yoy_change": 4.2, "vacancy_rate": 5.1 }, { "city": "Kansas City, MO", "average_rent": 1355, "yoy_change": 3.8, "vacancy_rate": 5.8 }, { "city": "Charlotte, NC", "average_rent": 1685, "yoy_change": 3.2, "vacancy_rate": 6.5 } ] }, "investor_metrics": { "cap_rates": { "national_average": 5.8, "class_a": 4.5, "class_b": 5.8, "class_c": 7.2 }, "cash_on_cash_returns": { "sfr_average": 7.2, "small_multifamily": 8.5, "large_multifamily": 6.8 }, "market_sentiment": { "institutional_activity": "moderate", "first_time_investor_share": 18.5, "cash_buyer_percentage": 28.2 } }, "economic_indicators": { "inflation_rate": 3.4, "unemployment_rate": 3.9, "gdp_growth": 2.8, "consumer_confidence": 104.7, "fed_funds_rate": 4.75 }, "market_trends": [ { "trend": "Mortgage Rate Lock-ins", "description": "70% of mortgages have rates below 5%, limiting inventory" }, { "trend": "Build-to-Rent Growth", "description": "BTR sector expanding 15% annually as affordability challenges persist" }, { "trend": "Climate Migration", "description": "Insurance costs driving migration from FL, CA to midwest markets" }, { "trend": "Remote Work Stabilization", "description": "Hybrid work models creating sustained demand in secondary cities" } ], "sources": [ "Freddie Mac Primary Mortgage Market Survey", "NAR Existing Home Sales Report", "Case-Shiller Home Price Index", "RealPage Market Analytics", "Federal Reserve Economic Data" ], "last_updated": "2025-01-15T12:00:00Z" }