RealVest Real Estate MCP Server

import { test } from 'node:test'; import assert from 'node:assert'; import { AffordabilityCalculator } from '../src/calculators/affordability.js'; import { BRRRRCalculator } from '../src/calculators/brrrr.js'; import { MortgageAffordabilityCalculator } from '../src/calculators/mortgage-affordability.js'; import { DebtToIncomeCalculator } from '../src/calculators/debt-to-income.js'; test('AffordabilityCalculator basic calculation', () => { const calc = new AffordabilityCalculator(); const result = calc.calculate({ annual_income: 75000, monthly_debts: 500, down_payment: 20000, interest_rate: 7.5 }); assert(result.max_home_price > 0, 'Should calculate a positive home price'); assert(result.max_loan_amount > 0, 'Should calculate a positive loan amount'); assert(result.monthly_payment_breakdown.total > 0, 'Should calculate monthly payment'); assert(typeof result.debt_to_income.front_end_ratio === 'string', 'Should calculate DTI ratio'); }); test('BRRRRCalculator basic analysis', () => { const calc = new BRRRRCalculator(); const result = calc.analyze({ purchase_price: 150000, rehab_cost: 35000, after_repair_value: 220000, monthly_rent: 1800 }); assert(result.initial_investment.total_cash_needed > 0, 'Should calculate cash needed'); assert(result.refinance_results.cash_out_amount !== undefined, 'Should calculate cash out'); assert(result.cash_flow_analysis.net_monthly_cash_flow !== undefined, 'Should calculate cash flow'); assert(result.overall_rating.rating, 'Should provide a rating'); }); test('Schema validation', () => { const affordCalc = new AffordabilityCalculator(); const schema = affordCalc.getSchema(); assert(schema.type === 'object', 'Schema should be an object'); assert(schema.properties.annual_income, 'Should have annual_income property'); assert(schema.required.includes('annual_income'), 'annual_income should be required'); }); // ========== NEW CALCULATOR TESTS ========== test('MortgageAffordabilityCalculator - Basic Calculation', () => { const calc = new MortgageAffordabilityCalculator(); const result = calc.calculate({ annual_income: 80000, down_payment: 25000, interest_rate: 6.85, car_payment: 400, student_loans: 300, credit_cards: 150 }); // Test structure assert(result.income_analysis, 'Should have income analysis'); assert(result.debt_analysis, 'Should have debt analysis'); assert(result.affordability_results, 'Should have affordability results'); assert(result.monthly_payment_breakdown, 'Should have payment breakdown'); assert(result.debt_to_income_ratios, 'Should have DTI ratios'); assert(result.alternative_scenarios, 'Should have alternative scenarios'); // Test calculations assert(result.income_analysis.monthly_income === 6667, 'Should calculate monthly income correctly'); assert(result.debt_analysis.total_monthly_debts === 850, 'Should sum debts correctly'); assert(result.affordability_results.max_home_price > 0, 'Should calculate positive home price'); assert(result.monthly_payment_breakdown.total_monthly_payment > 0, 'Should calculate total payment'); // Test DTI calculations const frontEnd = parseFloat(result.debt_to_income_ratios.front_end_ratio); const backEnd = parseFloat(result.debt_to_income_ratios.back_end_ratio); assert(frontEnd > 0 && frontEnd <= 50, 'Front-end ratio should be reasonable'); assert(backEnd > frontEnd, 'Back-end ratio should be higher than front-end'); }); test('MortgageAffordabilityCalculator - High Debt Scenario', () => { const calc = new MortgageAffordabilityCalculator(); const result = calc.calculate({ annual_income: 50000, // Lower income down_payment: 10000, interest_rate: 7.25, car_payment: 800, student_loans: 600, credit_cards: 400, other_debts: 200 }); // With high debt, max affordability should be significantly reduced assert(result.affordability_results.max_home_price < 250000, 'High debt should limit home price'); assert(result.debt_analysis.total_monthly_debts === 2000, 'Should sum debts correctly'); // The calculator should produce reasonable DTI within limits, but with warnings const backEndRatio = parseFloat(result.debt_to_income_ratios.back_end_ratio); assert(backEndRatio > 30, 'Should have significant debt burden'); assert(result.recommendations.length > 0, 'Should provide recommendations for high debt'); }); test('MortgageAffordabilityCalculator - Dual Income Scenario', () => { const calc = new MortgageAffordabilityCalculator(); const result = calc.calculate({ annual_income: 85000, co_borrower_income: 65000, other_monthly_income: 500, down_payment: 50000, interest_rate: 6.45, car_payment: 450, student_loans: 200 }); const expectedTotalIncome = 85000 + 65000 + (500 * 12); // 156,000 assert(result.income_analysis.total_annual_income === expectedTotalIncome, 'Should calculate dual income correctly'); assert(result.affordability_results.max_home_price > 400000, 'High income should afford expensive home'); // Check that we have reasonable DTI ratios (may be Caution due to high home price) const frontEndStatus = result.debt_to_income_ratios.front_end_status; const backEndStatus = result.debt_to_income_ratios.back_end_status; assert(frontEndStatus !== 'Poor', 'Front-end ratio should not be poor with good income'); assert(backEndStatus === 'Good' || backEndStatus === 'Excellent', 'Back-end ratio should be good with low debt'); }); test('MortgageAffordabilityCalculator - PMI Calculation', () => { const calc = new MortgageAffordabilityCalculator(); const result = calc.calculate({ annual_income: 75000, down_payment: 15000, down_payment_percent: 5, // Less than 20% interest_rate: 6.85 }); assert(result.monthly_payment_breakdown.pmi > 0, 'Should calculate PMI for <20% down'); assert(result.loan_details.pmi_required === true, 'Should flag PMI as required'); // Test with 20% down const result20 = calc.calculate({ annual_income: 75000, down_payment: 60000, down_payment_percent: 20, interest_rate: 6.85 }); assert(result20.monthly_payment_breakdown.pmi === 0, 'Should not calculate PMI for 20%+ down'); assert(result20.loan_details.pmi_required === false, 'Should not require PMI for 20%+ down'); }); test('MortgageAffordabilityCalculator - Schema Validation', () => { const calc = new MortgageAffordabilityCalculator(); const schema = calc.getSchema(); assert(schema.type === 'object', 'Schema should be an object'); assert(schema.properties.annual_income, 'Should have annual_income property'); assert(schema.properties.co_borrower_income, 'Should have co_borrower_income property'); assert(schema.properties.down_payment_percent, 'Should have down_payment_percent property'); assert(schema.required.includes('annual_income'), 'annual_income should be required'); assert(schema.required.includes('down_payment'), 'down_payment should be required'); assert(schema.required.includes('interest_rate'), 'interest_rate should be required'); }); test('DebtToIncomeCalculator - Basic Calculation', () => { const calc = new DebtToIncomeCalculator(); const result = calc.calculate({ monthly_income: 6500, proposed_housing_payment: 1800, car_payments: 400, credit_card_minimums: 150, student_loans: 300 }); // Test structure assert(result.income_analysis, 'Should have income analysis'); assert(result.proposed_payment, 'Should have proposed payment info'); assert(result.dti_ratios, 'Should have DTI ratios'); assert(result.qualification, 'Should have qualification status'); assert(result.maximum_affordable, 'Should have maximum affordable payment'); assert(result.debt_breakdown, 'Should have debt breakdown'); assert(result.recommendations, 'Should have recommendations'); // Test calculations assert(result.income_analysis.monthly_income === 6500, 'Should store monthly income'); assert(result.proposed_payment.total_monthly_debts === 850, 'Should sum debts correctly'); const frontEndRatio = parseFloat(result.dti_ratios.front_end.ratio); const backEndRatio = parseFloat(result.dti_ratios.back_end.ratio); assert(frontEndRatio === 27.7, 'Should calculate front-end ratio correctly'); // 1800/6500 * 100 assert(backEndRatio === 40.8, 'Should calculate back-end ratio correctly'); // (1800+850)/6500 * 100 }); test('DebtToIncomeCalculator - Different Loan Types', () => { const calc = new DebtToIncomeCalculator(); // Test Conventional loan limits const conventional = calc.calculate({ monthly_income: 5000, proposed_housing_payment: 1500, car_payments: 300, loan_type: 'conventional' }); assert(conventional.dti_ratios.front_end.limit === '28%', 'Conventional should have 28% front-end limit'); assert(conventional.dti_ratios.back_end.limit === '36%', 'Conventional should have 36% back-end limit'); // Test FHA loan limits const fha = calc.calculate({ monthly_income: 5000, proposed_housing_payment: 1500, car_payments: 300, loan_type: 'fha' }); assert(fha.dti_ratios.front_end.limit === '31%', 'FHA should have 31% front-end limit'); assert(fha.dti_ratios.back_end.limit === '43%', 'FHA should have 43% back-end limit'); // Test VA loan limits const va = calc.calculate({ monthly_income: 5000, proposed_housing_payment: 1500, car_payments: 300, loan_type: 'va' }); assert(va.dti_ratios.front_end.limit === '41%', 'VA should have 41% front-end limit'); assert(va.dti_ratios.back_end.limit === '41%', 'VA should have 41% back-end limit'); }); test('DebtToIncomeCalculator - Qualification Status', () => { const calc = new DebtToIncomeCalculator(); // Test excellent candidate const excellent = calc.calculate({ monthly_income: 8000, proposed_housing_payment: 1600, // 20% front-end car_payments: 200, credit_card_minimums: 100 // Total 23.75% back-end }); assert(excellent.qualification.overall_status === 'Excellent Candidate', 'Should be excellent candidate'); assert(excellent.qualification.front_end_passes === true, 'Should pass front-end'); assert(excellent.qualification.back_end_passes === true, 'Should pass back-end'); // Test poor candidate const poor = calc.calculate({ monthly_income: 4000, proposed_housing_payment: 1400, // 35% front-end car_payments: 800, credit_card_minimums: 300, student_loans: 400 // Total 72.5% back-end }); assert(poor.qualification.overall_status === 'Likely Declined', 'Should be likely declined'); assert(poor.qualification.front_end_passes === false, 'Should fail front-end'); assert(poor.qualification.back_end_passes === false, 'Should fail back-end'); }); test('DebtToIncomeCalculator - Debt Breakdown', () => { const calc = new DebtToIncomeCalculator(); const result = calc.calculate({ monthly_income: 6000, proposed_housing_payment: 1500, car_payments: 500, credit_card_minimums: 200, student_loans: 300 }); assert(result.debt_breakdown.length === 3, 'Should have 3 debt types'); assert(result.debt_breakdown[0].amount === 500, 'Should sort debts by amount (highest first)'); assert(result.debt_breakdown[0].type === 'Car Payments', 'Should format debt type names'); // Check percentages add up to 100% const totalPercentage = result.debt_breakdown.reduce((sum, debt) => { return sum + parseFloat(debt.percentage); }, 0); assert(Math.abs(totalPercentage - 100) < 0.1, 'Debt percentages should add up to ~100%'); }); test('DebtToIncomeCalculator - Improvement Strategies', () => { const calc = new DebtToIncomeCalculator(); const result = calc.calculate({ monthly_income: 4500, proposed_housing_payment: 1600, // High DTI car_payments: 600, credit_card_minimums: 400, student_loans: 300 }); assert(result.improvement_strategies.length > 0, 'Should provide improvement strategies'); const strategies = result.improvement_strategies.map(s => s.strategy); assert(strategies.includes('Increase Income'), 'Should suggest increasing income'); assert(strategies.includes('Pay Down High-Interest Debt'), 'Should suggest paying down debt'); assert(strategies.some(s => s.includes('Loan Type')), 'Should suggest different loan types'); }); test('DebtToIncomeCalculator - Schema Validation', () => { const calc = new DebtToIncomeCalculator(); const schema = calc.getSchema(); assert(schema.type === 'object', 'Schema should be an object'); assert(schema.properties.monthly_income, 'Should have monthly_income property'); assert(schema.properties.proposed_housing_payment, 'Should have proposed_housing_payment property'); assert(schema.properties.loan_type, 'Should have loan_type property'); assert(schema.properties.loan_type.enum.includes('fha'), 'Should include FHA in loan types'); assert(schema.required.includes('monthly_income'), 'monthly_income should be required'); assert(schema.required.includes('proposed_housing_payment'), 'proposed_housing_payment should be required'); });