RealVest Real Estate MCP Server

#!/usr/bin/env node import { Server } from '@modelcontextprotocol/sdk/server/index.js'; import { StdioServerTransport } from '@modelcontextprotocol/sdk/server/stdio.js'; // Import calculators import { AffordabilityCalculator } from './calculators/affordability.js'; import { BRRRRCalculator } from './calculators/brrrr.js'; import { HouseHackingCalculator } from './calculators/house-hacking.js'; import { PortfolioSimulator } from './calculators/portfolio.js'; import { SyndicationAnalyzer } from './calculators/syndication.js'; import { MortgageAffordabilityCalculator } from './calculators/mortgage-affordability.js'; import { DebtToIncomeCalculator } from './calculators/debt-to-income.js'; import { IRRCalculator } from './calculators/irr.js'; import { FixFlipCalculator } from './calculators/fix-flip.js'; import { LoanComparisonTool } from './calculators/loan-comparison.js'; import { NPVCalculator } from './calculators/npv.js'; import { COCRCalculator } from './calculators/cocr.js'; import { DSCRCalculator } from './calculators/dscr.js'; import { BreakevenCalculator } from './calculators/breakeven.js'; import { SensitivityAnalysisCalculator } from './calculators/sensitivity-analysis.js'; import { MonteCarloSimulator } from './calculators/monte-carlo.js'; import { TaxBenefitsCalculator } from './calculators/tax-benefits.js'; import { PropertyComparisonTool } from './calculators/property-comparison.js'; import { RefinanceCalculator } from './calculators/refinance.js'; import { AirbnbSTRCalculator } from './calculators/airbnb-str.js'; import { Exchange1031Calculator } from './calculators/1031-exchange.js'; import { MarketAnalysisTool } from './calculators/market-analysis.js'; import { ConstructionLoanCalculator } from './calculators/construction-loan.js'; import { WholesaleDealAnalyzer } from './calculators/wholesale-deal.js'; import { SubjectToDealCalculator } from './calculators/subject-to-deal.js'; import { SellerFinancingCalculator } from './calculators/seller-financing.js'; import { HardMoneyLoanCalculator } from './calculators/hard-money-loan.js'; import { CapitalGainsTaxCalculator } from './calculators/capital-gains-tax.js'; import { RentVsBuyCalculator } from './calculators/rent-vs-buy.js'; import { DealPipelineTracker } from './calculators/deal-pipeline.js'; import { JointVentureCalculator } from './calculators/joint-venture.js'; import { PropertyManagementCalculator } from './calculators/property-management.js'; import { PropertyExpenseTracker } from './calculators/property-expense-tracker.js'; // Import resources import { InsightsResource } from './resources/insights.js'; import { StateAssistanceResource } from './resources/state-assistance.js'; import { MarketDataResource } from './resources/market-data.js'; // Create server instance const server = new Server({ name: 'realvest-mcp', version: '1.0.0', description: 'MCP server for RealVest.ai real estate investment tools' }, { capabilities: { tools: true, resources: true } }); // Initialize calculators const affordabilityCalc = new AffordabilityCalculator(); const brrrrCalc = new BRRRRCalculator(); const houseHackingCalc = new HouseHackingCalculator(); const portfolioSim = new PortfolioSimulator(); const syndicationAnalyzer = new SyndicationAnalyzer(); const mortgageAffordabilityCalc = new MortgageAffordabilityCalculator(); const debtToIncomeCalc = new DebtToIncomeCalculator(); const irrCalc = new IRRCalculator(); const fixFlipCalc = new FixFlipCalculator(); const loanComparisonTool = new LoanComparisonTool(); const npvCalc = new NPVCalculator(); const cocrCalc = new COCRCalculator(); const dscrCalc = new DSCRCalculator(); const breakevenCalc = new BreakevenCalculator(); const sensitivityCalc = new SensitivityAnalysisCalculator(); const monteCarloSim = new MonteCarloSimulator(); const taxBenefitsCalc = new TaxBenefitsCalculator(); const propertyComparisonTool = new PropertyComparisonTool(); const refinanceCalc = new RefinanceCalculator(); const airbnbSTRCalc = new AirbnbSTRCalculator(); const exchange1031Calc = new Exchange1031Calculator(); const marketAnalysisTool = new MarketAnalysisTool(); const constructionLoanCalc = new ConstructionLoanCalculator(); const wholesaleDealAnalyzer = new WholesaleDealAnalyzer(); const subjectToCalc = new SubjectToDealCalculator(); const sellerFinancingCalc = new SellerFinancingCalculator(); const hardMoneyLoanCalc = new HardMoneyLoanCalculator(); const capitalGainsTaxCalc = new CapitalGainsTaxCalculator(); const rentVsBuyCalc = new RentVsBuyCalculator(); const dealPipelineTracker = new DealPipelineTracker(); const jointVentureCalc = new JointVentureCalculator(); const propertyManagementCalc = new PropertyManagementCalculator(); const propertyExpenseTracker = new PropertyExpenseTracker(); // Initialize resources const insightsResource = new InsightsResource(); const stateAssistanceResource = new StateAssistanceResource(); const marketDataResource = new MarketDataResource(); // Register tools server.setRequestHandler('tools/list', async () => { return { tools: [ { name: 'calculate_affordability', description: 'Calculate how much house you can afford based on income, debts, and down payment', inputSchema: affordabilityCalc.getSchema() }, { name: 'analyze_brrrr_deal', description: 'Analyze a BRRRR (Buy, Rehab, Rent, Refinance, Repeat) real estate deal', inputSchema: brrrrCalc.getSchema() }, { name: 'evaluate_house_hack', description: 'Calculate returns from house hacking (living in one unit and renting others)', inputSchema: houseHackingCalc.getSchema() }, { name: 'project_portfolio_growth', description: 'Project real estate portfolio growth over 20 years', inputSchema: portfolioSim.getSchema() }, { name: 'analyze_syndication', description: 'Evaluate a real estate syndication investment opportunity', inputSchema: syndicationAnalyzer.getSchema() }, { name: 'calculate_mortgage_affordability', description: 'Advanced mortgage affordability calculator with dual income and detailed DTI analysis', inputSchema: mortgageAffordabilityCalc.getSchema() }, { name: 'analyze_debt_to_income', description: 'Analyze debt-to-income ratios for mortgage qualification with different loan types', inputSchema: debtToIncomeCalc.getSchema() }, { name: 'calculate_irr', description: 'Calculate Internal Rate of Return (IRR) for real estate investments with cash flow analysis', inputSchema: irrCalc.getSchema() }, { name: 'analyze_fix_flip', description: 'Analyze profitability of fix and flip real estate investments with detailed cost breakdown', inputSchema: fixFlipCalc.getSchema() }, { name: 'compare_loans', description: 'Compare multiple mortgage loan scenarios side by side to find the best option', inputSchema: loanComparisonTool.getSchema() }, { name: 'calculate_npv', description: 'Calculate Net Present Value for real estate investment decisions', inputSchema: npvCalc.getSchema() }, { name: 'calculate_cocr', description: 'Calculate Cash-on-Cash Return with detailed expense analysis and projections', inputSchema: cocrCalc.getSchema() }, { name: 'calculate_dscr', description: 'Calculate Debt Service Coverage Ratio for investment property loans', inputSchema: dscrCalc.getSchema() }, { name: 'analyze_breakeven', description: 'Calculate breakeven points for occupancy, rent, and ROI for real estate investments', inputSchema: breakevenCalc.getSchema() }, { name: 'analyze_sensitivity', description: 'Perform multi-variable sensitivity analysis on real estate investments', inputSchema: sensitivityCalc.getSchema() }, { name: 'run_monte_carlo', description: 'Run Monte Carlo simulation to assess investment risk and return probabilities', inputSchema: monteCarloSim.getSchema() }, { name: 'calculate_tax_benefits', description: 'Calculate depreciation, deductions, and tax savings for real estate investments', inputSchema: taxBenefitsCalc.getSchema() }, { name: 'compare_properties', description: 'Compare multiple investment properties side by side with comprehensive analysis', inputSchema: propertyComparisonTool.getSchema() }, { name: 'analyze_refinance', description: 'Analyze whether refinancing your mortgage makes financial sense with break-even and NPV analysis', inputSchema: refinanceCalc.getSchema() }, { name: 'analyze_airbnb_str', description: 'Analyze Airbnb/short-term rental income potential with seasonal variations and risk assessment', inputSchema: airbnbSTRCalc.getSchema() }, { name: 'analyze_1031_exchange', description: 'Analyze 1031 like-kind exchange tax benefits, qualification requirements, and alternative strategies', inputSchema: exchange1031Calc.getSchema() }, { name: 'analyze_market_comps', description: 'Analyze market conditions with comparable property analysis, CMA, and investment metrics', inputSchema: marketAnalysisTool.getSchema() }, { name: 'analyze_construction_loan', description: 'Analyze construction loan financing, draw schedules, interest costs, and permanent conversion', inputSchema: constructionLoanCalc.getSchema() }, { name: 'analyze_wholesale_deal', description: 'Analyze wholesale real estate deals with assignment fees, profit margins, and exit strategies', inputSchema: wholesaleDealAnalyzer.getSchema() }, { name: 'analyze_subject_to_deal', description: 'Analyze subject-to real estate deals where buyer takes over existing mortgage payments', inputSchema: subjectToCalc.getSchema() }, { name: 'analyze_seller_financing', description: 'Analyze seller financing deals with comprehensive terms, benefits, and risk assessment', inputSchema: sellerFinancingCalc.getSchema() }, { name: 'analyze_hard_money_loan', description: 'Analyze hard money loans for real estate projects with cost analysis and risk assessment', inputSchema: hardMoneyLoanCalc.getSchema() }, { name: 'calculate_capital_gains_tax', description: 'Calculate capital gains tax liability for real estate sales with optimization strategies', inputSchema: capitalGainsTaxCalc.getSchema() }, { name: 'analyze_rent_vs_buy', description: 'Compare the costs and benefits of renting vs buying a home with comprehensive financial analysis', inputSchema: rentVsBuyCalc.getSchema() }, { name: 'track_deal_pipeline', description: 'Track and analyze multiple real estate deals through various stages with performance metrics and pipeline insights', inputSchema: dealPipelineTracker.getSchema() }, { name: 'analyze_joint_venture', description: 'Analyze joint venture partnerships for real estate investments with profit splitting, fairness analysis, and risk assessment', inputSchema: jointVentureCalc.getSchema() }, { name: 'analyze_property_management', description: 'Compare self-management vs professional property management with cost-benefit analysis, efficiency optimization, and risk assessment', inputSchema: propertyManagementCalc.getSchema() }, { name: 'track_property_expenses', description: 'Track and analyze property expenses across categories with benchmarking, tax analysis, and budget variance reporting', inputSchema: propertyExpenseTracker.getSchema() } ] }; }); // Handle tool calls server.setRequestHandler('tools/call', async (request) => { const { name, arguments: args } = request.params; try { switch (name) { case 'calculate_affordability': return { content: [{ type: 'text', text: JSON.stringify(affordabilityCalc.calculate(args), null, 2) }] }; case 'analyze_brrrr_deal': return { content: [{ type: 'text', text: JSON.stringify(brrrrCalc.analyze(args), null, 2) }] }; case 'evaluate_house_hack': return { content: [{ type: 'text', text: JSON.stringify(houseHackingCalc.evaluate(args), null, 2) }] }; case 'project_portfolio_growth': return { content: [{ type: 'text', text: JSON.stringify(portfolioSim.project(args), null, 2) }] }; case 'analyze_syndication': return { content: [{ type: 'text', text: JSON.stringify(syndicationAnalyzer.analyze(args), null, 2) }] }; case 'calculate_mortgage_affordability': return { content: [{ type: 'text', text: JSON.stringify(mortgageAffordabilityCalc.calculate(args), null, 2) }] }; case 'analyze_debt_to_income': return { content: [{ type: 'text', text: JSON.stringify(debtToIncomeCalc.calculate(args), null, 2) }] }; case 'calculate_irr': return { content: [{ type: 'text', text: JSON.stringify(irrCalc.calculate(args), null, 2) }] }; case 'analyze_fix_flip': return { content: [{ type: 'text', text: JSON.stringify(fixFlipCalc.calculate(args), null, 2) }] }; case 'compare_loans': return { content: [{ type: 'text', text: JSON.stringify(loanComparisonTool.calculate(args), null, 2) }] }; case 'calculate_npv': return { content: [{ type: 'text', text: JSON.stringify(npvCalc.calculate(args), null, 2) }] }; case 'calculate_cocr': return { content: [{ type: 'text', text: JSON.stringify(cocrCalc.calculate(args), null, 2) }] }; case 'calculate_dscr': return { content: [{ type: 'text', text: JSON.stringify(dscrCalc.calculate(args), null, 2) }] }; case 'analyze_breakeven': return { content: [{ type: 'text', text: JSON.stringify(breakevenCalc.calculate(args), null, 2) }] }; case 'analyze_sensitivity': return { content: [{ type: 'text', text: JSON.stringify(sensitivityCalc.calculate(args), null, 2) }] }; case 'run_monte_carlo': return { content: [{ type: 'text', text: JSON.stringify(monteCarloSim.calculate(args), null, 2) }] }; case 'calculate_tax_benefits': return { content: [{ type: 'text', text: JSON.stringify(taxBenefitsCalc.calculate(args), null, 2) }] }; case 'compare_properties': return { content: [{ type: 'text', text: JSON.stringify(propertyComparisonTool.calculate(args), null, 2) }] }; case 'analyze_refinance': return { content: [{ type: 'text', text: JSON.stringify(refinanceCalc.calculate(args), null, 2) }] }; case 'analyze_airbnb_str': return { content: [{ type: 'text', text: JSON.stringify(airbnbSTRCalc.calculate(args), null, 2) }] }; case 'analyze_1031_exchange': return { content: [{ type: 'text', text: JSON.stringify(exchange1031Calc.calculate(args), null, 2) }] }; case 'analyze_market_comps': return { content: [{ type: 'text', text: JSON.stringify(marketAnalysisTool.calculate(args), null, 2) }] }; case 'analyze_construction_loan': return { content: [{ type: 'text', text: JSON.stringify(constructionLoanCalc.calculate(args), null, 2) }] }; case 'analyze_wholesale_deal': return { content: [{ type: 'text', text: JSON.stringify(wholesaleDealAnalyzer.calculate(args), null, 2) }] }; case 'analyze_subject_to_deal': return { content: [{ type: 'text', text: JSON.stringify(subjectToCalc.calculate(args), null, 2) }] }; case 'analyze_seller_financing': return { content: [{ type: 'text', text: JSON.stringify(sellerFinancingCalc.calculate(args), null, 2) }] }; case 'analyze_hard_money_loan': return { content: [{ type: 'text', text: JSON.stringify(hardMoneyLoanCalc.calculate(args), null, 2) }] }; case 'calculate_capital_gains_tax': return { content: [{ type: 'text', text: JSON.stringify(capitalGainsTaxCalc.calculate(args), null, 2) }] }; case 'analyze_rent_vs_buy': return { content: [{ type: 'text', text: JSON.stringify(rentVsBuyCalc.calculate(args), null, 2) }] }; case 'track_deal_pipeline': return { content: [{ type: 'text', text: JSON.stringify(dealPipelineTracker.calculate(args), null, 2) }] }; case 'analyze_joint_venture': return { content: [{ type: 'text', text: JSON.stringify(jointVentureCalc.calculate(args), null, 2) }] }; case 'analyze_property_management': return { content: [{ type: 'text', text: JSON.stringify(propertyManagementCalc.calculate(args), null, 2) }] }; case 'track_property_expenses': return { content: [{ type: 'text', text: JSON.stringify(propertyExpenseTracker.calculate(args), null, 2) }] }; default: throw new Error(`Unknown tool: ${name}`); } } catch (error) { return { content: [{ type: 'text', text: `Error: ${error.message}` }], isError: true }; } }); // Register resources server.setRequestHandler('resources/list', async () => { return { resources: [ { uri: 'realvest://insights', name: 'RealVest Insights Articles', description: 'Search and access RealVest.ai educational articles and market insights', mimeType: 'application/json' }, { uri: 'realvest://state-assistance', name: 'State Assistance Programs', description: 'Access down payment assistance programs for all 50 states', mimeType: 'application/json' }, { uri: 'realvest://market-data', name: 'Current Market Data', description: 'Get current mortgage rates and market conditions', mimeType: 'application/json' }, { uri: 'realvest://calculator-examples', name: 'Calculator Examples', description: 'Example scenarios for each calculator', mimeType: 'application/json' } ] }; }); // Handle resource reads server.setRequestHandler('resources/read', async (request) => { const { uri } = request.params; try { switch (uri) { case 'realvest://insights': return { contents: [{ uri, mimeType: 'application/json', text: JSON.stringify(await insightsResource.getAll(), null, 2) }] }; case 'realvest://state-assistance': return { contents: [{ uri, mimeType: 'application/json', text: JSON.stringify(await stateAssistanceResource.getAll(), null, 2) }] }; case 'realvest://market-data': return { contents: [{ uri, mimeType: 'application/json', text: JSON.stringify(await marketDataResource.getCurrent(), null, 2) }] }; case 'realvest://calculator-examples': return { contents: [{ uri, mimeType: 'application/json', text: JSON.stringify(getCalculatorExamples(), null, 2) }] }; default: throw new Error(`Unknown resource: ${uri}`); } } catch (error) { throw new Error(`Failed to read resource: ${error.message}`); } }); // Calculator examples function getCalculatorExamples() { return { affordability: [ { title: "First-Time Buyer - Median Income", description: "Single person with median US income, minimal debt, saving for first home", inputs: { annual_income: 75000, monthly_debts: 500, down_payment: 20000, interest_rate: 6.85, property_tax_rate: 1.2, insurance_rate: 0.5, hoa_monthly: 0, loan_term_years: 30 }, expected_outcome: "Can afford approximately $285,000-$305,000 home" }, { title: "Dual Income - High Debt", description: "Married couple with good income but student loans and car payments", inputs: { annual_income: 135000, monthly_debts: 2200, down_payment: 50000, interest_rate: 6.85, property_tax_rate: 1.5, insurance_rate: 0.6, hoa_monthly: 250, loan_term_years: 30 }, expected_outcome: "Can afford approximately $425,000-$450,000 home" }, { title: "High Earner - 15-Year Mortgage", description: "Tech professional seeking faster payoff with 15-year term", inputs: { annual_income: 185000, monthly_debts: 800, down_payment: 100000, interest_rate: 6.02, property_tax_rate: 1.1, insurance_rate: 0.4, hoa_monthly: 0, loan_term_years: 15 }, expected_outcome: "Can afford approximately $600,000-$650,000 home" } ], brrrr: [ { title: "Midwest Single Family BRRRR", description: "Classic BRRRR in Cleveland area - distressed property rehabilitation", inputs: { purchase_price: 85000, rehab_cost: 45000, after_repair_value: 175000, monthly_rent: 1400, refinance_ltv: 0.75, holding_costs_monthly: 800, holding_period_months: 4 }, expected_outcome: "Cash out ~$1,250, monthly cash flow ~$200-250" }, { title: "Small Multi-Family BRRRR", description: "Duplex BRRRR in growing secondary market", inputs: { purchase_price: 225000, rehab_cost: 65000, after_repair_value: 385000, monthly_rent: 3200, refinance_ltv: 0.70, holding_costs_monthly: 1500, holding_period_months: 6 }, expected_outcome: "Cash out ~$20,000, monthly cash flow ~$400-500" }, { title: "Value-Add Triplex", description: "Heavy rehab triplex in Phoenix suburbs", inputs: { purchase_price: 320000, rehab_cost: 120000, after_repair_value: 575000, monthly_rent: 4800, refinance_ltv: 0.75, holding_costs_monthly: 2200, holding_period_months: 8 }, expected_outcome: "Cash out ~$25,000, monthly cash flow ~$600-800" } ], house_hacking: [ { title: "FHA Duplex House Hack", description: "First-time buyer using FHA 3.5% down on duplex", inputs: { purchase_price: 385000, down_payment: 13475, monthly_rent_unit2: 1800, owner_expenses: 900, interest_rate: 6.45, property_tax_rate: 1.2, insurance_rate: 0.6, pmi_rate: 0.85 }, expected_outcome: "Net housing cost ~$900/month vs $2,400 renting" }, { title: "Triplex with ADU", description: "Living in main unit, renting 2 units + ADU", inputs: { purchase_price: 625000, down_payment: 125000, monthly_rent_unit2: 1600, monthly_rent_unit3: 1600, monthly_rent_adu: 1200, owner_expenses: 1200, interest_rate: 6.85 }, expected_outcome: "Live for free + $800-1000/month positive cash flow" }, { title: "Single Family with Basement Rental", description: "SFR with finished basement apartment", inputs: { purchase_price: 425000, down_payment: 85000, monthly_rent_basement: 1400, owner_expenses: 1100, interest_rate: 6.85, property_tax_rate: 1.3, insurance_rate: 0.5 }, expected_outcome: "Reduce housing cost by 40-50%" } ], portfolio_growth: [ { title: "Conservative Buy & Hold", description: "Starting with one rental, acquiring one every 2 years", inputs: { starting_capital: 50000, annual_savings: 15000, initial_property_value: 200000, annual_appreciation: 3.5, annual_rent_growth: 3.0, target_cash_flow_per_property: 300, acquisition_pace_years: 2 }, expected_outcome: "10 properties, $3M+ portfolio value in 20 years" }, { title: "Aggressive BRRRR Strategy", description: "BRRRR investor recycling capital rapidly", inputs: { starting_capital: 75000, annual_savings: 25000, initial_property_value: 150000, annual_appreciation: 4.0, annual_rent_growth: 3.5, target_cash_flow_per_property: 400, acquisition_pace_years: 0.75 }, expected_outcome: "25+ properties, $5M+ portfolio in 20 years" }, { title: "Mixed Strategy - SFR to Multi-Family", description: "Starting with SFRs, transitioning to small multi-family", inputs: { starting_capital: 100000, annual_savings: 30000, initial_property_value: 250000, annual_appreciation: 3.8, annual_rent_growth: 3.2, target_cash_flow_per_property: 500, acquisition_pace_years: 1.5 }, expected_outcome: "15 properties, $4M portfolio, $10k+/month cash flow" } ], syndication: [ { title: "Class B Multi-Family Value-Add", description: "200-unit apartment complex in growing Sun Belt market", inputs: { minimum_investment: 50000, total_raise: 8500000, preferred_return: 7, profit_split_after_pref: 70, projected_hold_period: 5, projected_irr: 15.5, projected_equity_multiple: 1.95 }, expected_outcome: "$97,500 total return on $50k investment" }, { title: "Ground-Up Development", description: "New construction 150-unit apartment complex", inputs: { minimum_investment: 100000, total_raise: 12000000, preferred_return: 8, profit_split_after_pref: 65, projected_hold_period: 3, projected_irr: 22, projected_equity_multiple: 1.75 }, expected_outcome: "$75,000 total return on $100k (higher risk/return)" }, { title: "Stabilized Cash Flow Play", description: "Fully occupied Class A property in major metro", inputs: { minimum_investment: 25000, total_raise: 5000000, preferred_return: 6, profit_split_after_pref: 75, projected_hold_period: 7, projected_irr: 12, projected_equity_multiple: 2.1 }, expected_outcome: "Steady 6-8% annual returns + appreciation" } ], tips: [ "Always run multiple scenarios with different assumptions", "Include all costs: closing, holding, maintenance, property management", "Be conservative with rent estimates and aggressive with expense estimates", "Factor in vacancy rates: 5-10% for SFR, 10-15% for multi-family", "Don't forget reserves: 6 months of expenses minimum per property" ] }; } // Start the server async function main() { const transport = new StdioServerTransport(); await server.connect(transport); console.error('RealVest MCP Server started successfully'); } main().catch((error) => { console.error('Server error:', error); process.exit(1); });