RealVest Real Estate MCP Server

import { test } from 'node:test'; import assert from 'node:assert'; import { HardMoneyLoanCalculator } from '../src/calculators/hard-money-loan.js'; test('HardMoneyLoanCalculator - Basic Interest-Only Loan', () => { const calc = new HardMoneyLoanCalculator(); const result = calc.calculate({ loan_details: { loan_amount: 200000, property_value: 250000, interest_rate: 12.0, loan_term_months: 12, points: 2, origination_fee: 1, payment_type: 'interest_only' } }); // Test structure assert(result.loan_summary, 'Should have loan summary'); assert(result.loan_metrics, 'Should have loan metrics'); assert(result.cost_analysis, 'Should have cost analysis'); assert(result.risk_assessment, 'Should have risk assessment'); // Test loan summary const summary = result.loan_summary; assert(summary.loan_amount === 200000, 'Should preserve loan amount'); assert(summary.property_value === 250000, 'Should preserve property value'); assert(summary.ltv_ratio === 80, 'Should calculate 80% LTV (200k/250k)'); assert(summary.interest_rate === 12.0, 'Should preserve interest rate'); assert(summary.payment_type === 'interest_only', 'Should preserve payment type'); // Test loan metrics const metrics = result.loan_metrics; assert(metrics.monthly_payment === 2000, 'Should calculate $2,000 monthly payment (200k * 12% / 12)'); assert(metrics.total_interest === 24000, 'Should calculate $24,000 total interest (2000 * 12)'); assert(metrics.balloon_payment === 200000, 'Should have balloon payment equal to principal'); assert(metrics.points_cost === 4000, 'Should calculate $4,000 points cost (200k * 2%)'); assert(metrics.origination_cost === 2000, 'Should calculate $2,000 origination fee (200k * 1%)'); assert(metrics.net_proceeds < 200000, 'Should calculate net proceeds after costs'); assert(metrics.effective_interest_rate > 12, 'Should calculate effective rate higher than nominal'); }); test('HardMoneyLoanCalculator - Principal and Interest Loan', () => { const calc = new HardMoneyLoanCalculator(); const result = calc.calculate({ loan_details: { loan_amount: 150000, property_value: 200000, interest_rate: 10.5, loan_term_months: 24, payment_type: 'principal_and_interest' } }); const metrics = result.loan_metrics; // Should have amortized payment assert(metrics.monthly_payment > 6000, 'Should calculate amortized payment higher than interest-only'); assert(metrics.balloon_payment === 0, 'Should have no balloon payment for fully amortized loan'); assert(metrics.total_interest > 0, 'Should calculate total interest'); assert(metrics.total_interest < metrics.monthly_payment * 24, 'Total interest should be less than total payments'); // Should have payment schedule assert(Array.isArray(metrics.payment_schedule), 'Should provide payment schedule'); assert(metrics.payment_schedule.length > 0, 'Should have payment schedule entries'); assert(metrics.payment_schedule[0].month === 1, 'Should start with month 1'); assert(metrics.payment_schedule[0].principal > 0, 'Should have principal payment'); }); test('HardMoneyLoanCalculator - Fix and Flip Project Analysis', () => { const calc = new HardMoneyLoanCalculator(); const result = calc.calculate({ loan_details: { loan_amount: 180000, property_value: 150000, interest_rate: 13.5, loan_term_months: 9, payment_type: 'interest_only' }, project_details: { project_type: 'fix_flip', purchase_price: 150000, rehab_budget: 50000, after_repair_value: 280000, project_timeline_months: 6, construction_draws: false } }); const project = result.project_analysis; assert(project, 'Should include project analysis'); assert(project.project_type === 'fix_flip', 'Should preserve project type'); assert(project.total_project_cost === 200000, 'Should calculate total cost (150k + 50k)'); assert(project.loan_to_cost === 90, 'Should calculate 90% loan-to-cost (180k/200k)'); assert(project.loan_to_arv > 60 && project.loan_to_arv < 70, 'Should calculate loan-to-ARV around 64%'); assert(project.gross_profit > 0, 'Should calculate positive gross profit'); assert(project.profit_margin > 0, 'Should calculate profit margin'); assert(project.roi > 0, 'Should calculate ROI'); assert(project.annualized_roi > project.roi, 'Should calculate annualized ROI'); assert(project.viability_score > 0, 'Should calculate viability score'); assert(['Excellent', 'Very Good', 'Good', 'Fair', 'Poor'].includes(project.viability_rating), 'Should provide valid viability rating'); }); test('HardMoneyLoanCalculator - Ground-Up Construction Project', () => { const calc = new HardMoneyLoanCalculator(); const result = calc.calculate({ loan_details: { loan_amount: 300000, property_value: 200000, interest_rate: 14.0, loan_term_months: 18, payment_type: 'interest_only' }, project_details: { project_type: 'ground_up_construction', purchase_price: 100000, rehab_budget: 250000, after_repair_value: 450000, project_timeline_months: 15, construction_draws: true } }); const project = result.project_analysis; const risks = result.risk_assessment; assert(project.project_type === 'ground_up_construction', 'Should preserve construction type'); assert(project.construction_draws === true, 'Should note construction draws'); assert(project.viability_score < 80, 'Construction projects should have lower viability scores'); // Should identify construction risks const constructionRisk = risks.identified_risks.find(r => r.category === 'Project Risk'); assert(constructionRisk, 'Should identify construction project risk'); assert(constructionRisk.level === 'High', 'Should mark construction risk as high'); assert(risks.overall_risk_level === 'High' || risks.overall_risk_level === 'Medium', 'Should have elevated risk level for construction'); }); test('HardMoneyLoanCalculator - Cost Analysis', () => { const calc = new HardMoneyLoanCalculator(); const result = calc.calculate({ loan_details: { loan_amount: 100000, property_value: 125000, interest_rate: 11.0, loan_term_months: 6, points: 3, payment_type: 'interest_only' }, project_details: { project_timeline_months: 4 } }); const cost = result.cost_analysis; assert(cost.effective_annual_rate > 11, 'Should calculate effective rate higher than nominal'); assert(cost.monthly_carrying_cost > 900, 'Should calculate monthly carrying cost'); assert(cost.total_carrying_cost > 0, 'Should calculate total carrying cost'); assert(cost.cost_per_month_per_100k > 0, 'Should calculate cost per 100k'); assert(cost.upfront_cost_percentage > 0, 'Should calculate upfront cost percentage'); assert(Array.isArray(cost.cost_analysis), 'Should provide cost analysis'); }); test('HardMoneyLoanCalculator - Risk Assessment', () => { const calc = new HardMoneyLoanCalculator(); const result = calc.calculate({ loan_details: { loan_amount: 225000, property_value: 250000, // 90% LTV interest_rate: 16.0, // High rate loan_term_months: 12, payment_type: 'interest_only' }, project_details: { project_type: 'heavy_rehab', project_timeline_months: 15 // Exceeds loan term }, borrower_profile: { experience_level: 'beginner' } }); const risks = result.risk_assessment; assert(Array.isArray(risks.identified_risks), 'Should identify specific risks'); assert(risks.identified_risks.length > 0, 'Should identify multiple risks'); assert(risks.risk_score > 0, 'Should calculate risk score'); assert(['High', 'Medium', 'Low'].includes(risks.overall_risk_level), 'Should assign valid risk level'); // Should identify high interest rate risk const interestRisk = risks.identified_risks.find(r => r.category === 'Cost Risk'); assert(interestRisk, 'Should identify high interest rate risk'); // Should identify high LTV risk const ltvRisk = risks.identified_risks.find(r => r.category === 'Market Risk'); assert(ltvRisk, 'Should identify high LTV risk'); // Should identify project risk for heavy rehab const projectRisk = risks.identified_risks.find(r => r.category === 'Project Risk'); assert(projectRisk, 'Should identify heavy rehab project risk'); // Should identify timeline risk const timelineRisk = risks.identified_risks.find(r => r.category === 'Timeline Risk'); assert(timelineRisk, 'Should identify timeline exceeding loan term'); // Should identify borrower experience risk const borrowerRisk = risks.identified_risks.find(r => r.category === 'Borrower Risk'); assert(borrowerRisk, 'Should identify beginner experience risk'); assert(Array.isArray(risks.risk_mitigation_strategies), 'Should provide mitigation strategies'); }); test('HardMoneyLoanCalculator - Conventional Financing Comparison', () => { const calc = new HardMoneyLoanCalculator(); const result = calc.calculate({ loan_details: { loan_amount: 160000, property_value: 200000, interest_rate: 12.5, loan_term_months: 12, payment_type: 'interest_only' }, project_details: { project_type: 'fix_flip', project_timeline_months: 8 }, analysis_options: { compare_conventional: true } }); const comparison = result.conventional_comparison; assert(comparison, 'Should include conventional comparison when requested'); assert(comparison.hard_money, 'Should have hard money details'); assert(comparison.conventional, 'Should have conventional details'); assert(comparison.hard_money.interest_rate === 12.5, 'Should preserve hard money rate'); assert(comparison.conventional.interest_rate === 7.0, 'Should use standard conventional rate'); assert(comparison.hard_money.approval_time === '3-7 days', 'Should note quick approval'); assert(comparison.conventional.approval_time === '30-45 days', 'Should note longer approval'); assert(Array.isArray(comparison.hard_money_advantages), 'Should list hard money advantages'); assert(Array.isArray(comparison.conventional_advantages), 'Should list conventional advantages'); assert(comparison.recommendation, 'Should provide financing recommendation'); }); test('HardMoneyLoanCalculator - Stress Testing', () => { const calc = new HardMoneyLoanCalculator(); const result = calc.calculate({ loan_details: { loan_amount: 140000, property_value: 175000, interest_rate: 13.0, loan_term_months: 12, payment_type: 'interest_only' }, project_details: { project_type: 'fix_flip', rehab_budget: 40000, after_repair_value: 240000, project_timeline_months: 8 }, analysis_options: { stress_testing: true } }); const stress = result.stress_testing; assert(stress, 'Should include stress testing when requested'); assert(Array.isArray(stress.scenarios), 'Should provide multiple scenarios'); assert(stress.scenarios.length >= 4, 'Should have at least 4 scenarios (base + 3 stress)'); const scenarios = stress.scenarios; assert(scenarios.find(s => s.name === 'Base Case'), 'Should include base case'); assert(scenarios.find(s => s.name.includes('Timeline Delay')), 'Should include timeline delay scenario'); assert(scenarios.find(s => s.name.includes('Cost Overrun')), 'Should include cost overrun scenario'); assert(scenarios.find(s => s.name.includes('Market Decline')), 'Should include market decline scenario'); assert(stress.most_likely_risk, 'Should identify most likely risk'); assert(stress.highest_impact_risk, 'Should identify highest impact risk'); assert(Array.isArray(stress.stress_test_recommendations), 'Should provide stress test recommendations'); }); test('HardMoneyLoanCalculator - ROI Analysis', () => { const calc = new HardMoneyLoanCalculator(); const result = calc.calculate({ loan_details: { loan_amount: 120000, property_value: 100000, interest_rate: 11.5, loan_term_months: 10, payment_type: 'interest_only' }, project_details: { project_type: 'fix_flip', purchase_price: 100000, rehab_budget: 30000, after_repair_value: 180000, project_timeline_months: 6 }, analysis_options: { roi_analysis: true } }); const roi = result.roi_analysis; assert(roi, 'Should include ROI analysis when requested'); assert(roi.total_investment > 0, 'Should calculate total investment'); assert(roi.gross_profit !== undefined, 'Should calculate gross profit'); assert(roi.roi !== undefined, 'Should calculate ROI'); assert(roi.annualized_roi !== undefined, 'Should calculate annualized ROI'); assert(roi.cash_invested > 0, 'Should calculate cash invested'); assert(roi.cash_on_cash_return !== undefined, 'Should calculate cash-on-cash return'); assert(roi.annualized_coc !== undefined, 'Should calculate annualized CoC'); assert(roi.profit_per_month !== undefined, 'Should calculate profit per month'); assert(['Excellent', 'Very Good', 'Good', 'Fair', 'Poor'].includes(roi.roi_rating), 'Should provide valid ROI rating'); assert(roi.roi_benchmarks, 'Should provide ROI benchmarks'); }); test('HardMoneyLoanCalculator - Prepayment Analysis', () => { const calc = new HardMoneyLoanCalculator(); const result = calc.calculate({ loan_details: { loan_amount: 200000, property_value: 250000, interest_rate: 12.0, loan_term_months: 18, payment_type: 'interest_only' }, analysis_options: { prepayment_analysis: true } }); const prepayment = result.prepayment_analysis; assert(prepayment, 'Should include prepayment analysis when requested'); assert(Array.isArray(prepayment.prepayment_scenarios), 'Should provide prepayment scenarios'); assert(prepayment.prepayment_scenarios.length > 0, 'Should have prepayment scenarios'); const scenarios = prepayment.prepayment_scenarios; scenarios.forEach(scenario => { assert(scenario.prepayment_month > 0, 'Should have valid prepayment month'); assert(scenario.interest_saved > 0, 'Should calculate interest saved'); assert(scenario.total_cost > 0, 'Should calculate total cost'); assert(scenario.savings_vs_full_term > 0, 'Should calculate savings vs full term'); }); if (prepayment.optimal_prepayment) { assert(prepayment.optimal_prepayment.prepayment_month > 0, 'Should identify optimal prepayment timing'); } assert(Array.isArray(prepayment.prepayment_benefits), 'Should list prepayment benefits'); }); test('HardMoneyLoanCalculator - Recommendations Generation', () => { const calc = new HardMoneyLoanCalculator(); const result = calc.calculate({ loan_details: { loan_amount: 175000, property_value: 200000, interest_rate: 13.5, loan_term_months: 12, payment_type: 'interest_only' }, project_details: { project_type: 'light_rehab', purchase_price: 150000, rehab_budget: 25000, after_repair_value: 220000, project_timeline_months: 4 }, borrower_profile: { experience_level: 'intermediate' } }); const recommendations = result.recommendations; assert(recommendations, 'Should provide recommendations'); assert(Array.isArray(recommendations.recommendations), 'Should have recommendations array'); assert(recommendations.recommendations.length > 0, 'Should have multiple recommendations'); assert(recommendations.overall_assessment, 'Should provide overall assessment'); assert(['Highly Recommended', 'Recommended', 'Proceed with Caution', 'Not Recommended'] .includes(recommendations.overall_assessment), 'Should provide valid assessment'); const categories = recommendations.recommendations.map(r => r.category); assert(categories.length > 0, 'Should categorize recommendations'); assert(Array.isArray(recommendations.key_success_factors), 'Should provide success factors'); assert(recommendations.key_success_factors.length > 0, 'Should have success factors'); }); test('HardMoneyLoanCalculator - High Points and Fees', () => { const calc = new HardMoneyLoanCalculator(); const result = calc.calculate({ loan_details: { loan_amount: 100000, property_value: 125000, interest_rate: 10.0, loan_term_months: 6, points: 5, // High points origination_fee: 2, // High origination payment_type: 'interest_only' }, additional_costs: { appraisal_fee: 600, inspection_fees: 400, title_insurance: 1200, attorney_fees: 800, recording_fees: 200 } }); const metrics = result.loan_metrics; assert(metrics.points_cost === 5000, 'Should calculate $5,000 points cost'); assert(metrics.origination_cost === 2000, 'Should calculate $2,000 origination fee'); assert(metrics.closing_costs === 3200, 'Should calculate $3,200 additional closing costs'); assert(metrics.total_upfront_costs === 10200, 'Should calculate total upfront costs'); assert(metrics.net_proceeds === 89800, 'Should calculate net proceeds after costs'); assert(metrics.effective_interest_rate > 20, 'Should show high effective rate due to costs'); }); test('HardMoneyLoanCalculator - Buy and Hold Project', () => { const calc = new HardMoneyLoanCalculator(); const result = calc.calculate({ loan_details: { loan_amount: 160000, property_value: 200000, interest_rate: 11.0, loan_term_months: 24, // Longer term for buy-hold payment_type: 'interest_only' }, project_details: { project_type: 'buy_hold', purchase_price: 180000, rehab_budget: 20000, after_repair_value: 220000, project_timeline_months: 24 }, analysis_options: { compare_conventional: true } }); const project = result.project_analysis; const comparison = result.conventional_comparison; assert(project.project_type === 'buy_hold', 'Should preserve buy and hold type'); assert(comparison, 'Should include conventional comparison'); assert(comparison.recommendation.includes('conventional'), 'Should recommend conventional financing for long-term holds'); }); test('HardMoneyLoanCalculator - Schema Validation', () => { const calc = new HardMoneyLoanCalculator(); const schema = calc.getSchema(); assert(schema.type === 'object', 'Schema should be an object'); assert(schema.properties.loan_details, 'Should have loan_details property'); assert(schema.properties.project_details, 'Should have project_details property'); assert(schema.properties.borrower_profile, 'Should have borrower_profile property'); assert(schema.properties.additional_costs, 'Should have additional_costs property'); assert(schema.properties.analysis_options, 'Should have analysis_options property'); assert(schema.required.includes('loan_details'), 'loan_details should be required'); // Test nested schema structure const loanDetails = schema.properties.loan_details; assert(loanDetails.properties.loan_amount, 'Should define loan_amount'); assert(loanDetails.properties.property_value, 'Should define property_value'); assert(loanDetails.properties.interest_rate, 'Should define interest_rate'); assert(loanDetails.properties.payment_type, 'Should define payment_type'); assert(loanDetails.required.includes('loan_amount'), 'loan_amount should be required'); assert(loanDetails.required.includes('property_value'), 'property_value should be required'); assert(loanDetails.required.includes('payment_type'), 'payment_type should be required'); });