RealVest Real Estate MCP Server

import { test } from 'node:test'; import assert from 'node:assert'; import { RentVsBuyCalculator } from '../src/calculators/rent-vs-buy.js'; test('RentVsBuyCalculator - Basic Rent vs Buy Analysis', () => { const calc = new RentVsBuyCalculator(); const result = calc.calculate({ home_details: { home_price: 400000, down_payment_percent: 20, interest_rate: 6.5, property_tax_rate: 1.2, home_insurance_annual: 1200, loan_term_years: 30 }, rental_details: { monthly_rent: 2500, renters_insurance_annual: 200, security_deposit: 2500 }, lifestyle_factors: { expected_years_in_home: 7 } }); // Test structure assert(result.comparison_summary, 'Should have comparison summary'); assert(result.buying_analysis, 'Should have buying analysis'); assert(result.renting_analysis, 'Should have renting analysis'); assert(result.comparison, 'Should have comparison'); assert(result.recommendations, 'Should have recommendations'); // Test comparison summary const summary = result.comparison_summary; assert(['Buy', 'Rent', 'Neutral'].includes(summary.decision), 'Should have valid decision'); assert(['High', 'Medium', 'Low'].includes(summary.confidence_level), 'Should have valid confidence level'); assert(typeof summary.net_benefit_buy === 'number', 'Should calculate net benefit for buying'); assert(summary.time_horizon === 7, 'Should preserve time horizon'); // Test buying analysis const buying = result.buying_analysis; assert(buying.upfront_costs.down_payment === 80000, 'Should calculate 20% down payment'); assert(buying.upfront_costs.closing_costs > 0, 'Should calculate closing costs'); assert(buying.monthly_costs.total_monthly > 2000, 'Should calculate total monthly payment'); assert(buying.long_term_analysis.equity_buildup > 0, 'Should calculate equity buildup'); assert(buying.long_term_analysis.future_home_value > 400000, 'Should appreciate home value'); // Test renting analysis const renting = result.renting_analysis; assert(renting.upfront_costs.security_deposit === 2500, 'Should preserve security deposit'); assert(renting.monthly_costs.base_rent === 2500, 'Should preserve base rent'); assert(renting.long_term_analysis.total_rent_paid > 0, 'Should calculate total rent paid'); assert(renting.long_term_analysis.rent_progression.length === 7, 'Should have 7 years of rent progression'); }); test('RentVsBuyCalculator - High Down Payment Scenario', () => { const calc = new RentVsBuyCalculator(); const result = calc.calculate({ home_details: { home_price: 500000, down_payment_percent: 40, interest_rate: 6.0, property_tax_rate: 1.5 }, rental_details: { monthly_rent: 3000 }, lifestyle_factors: { expected_years_in_home: 10 } }); const buying = result.buying_analysis; assert(buying.upfront_costs.down_payment === 200000, 'Should calculate 40% down payment'); assert(buying.monthly_costs.pmi === 0, 'Should have no PMI with 40% down'); assert(buying.financing_details.loan_amount === 300000, 'Should calculate correct loan amount'); }); test('RentVsBuyCalculator - Low Down Payment with PMI', () => { const calc = new RentVsBuyCalculator(); const result = calc.calculate({ home_details: { home_price: 350000, down_payment_percent: 5, interest_rate: 7.0, pmi_rate: 0.75 }, rental_details: { monthly_rent: 2200 }, lifestyle_factors: { expected_years_in_home: 5 } }); const buying = result.buying_analysis; assert(buying.upfront_costs.down_payment === 17500, 'Should calculate 5% down payment'); assert(buying.monthly_costs.pmi > 0, 'Should calculate PMI for low down payment'); assert(buying.financing_details.loan_amount === 332500, 'Should calculate correct loan amount'); const expected_pmi = (332500 * 0.0075) / 12; assert(Math.abs(buying.monthly_costs.pmi - expected_pmi) < 1, 'Should calculate correct PMI amount'); }); test('RentVsBuyCalculator - Short Time Horizon Analysis', () => { const calc = new RentVsBuyCalculator(); const result = calc.calculate({ home_details: { home_price: 300000, down_payment_percent: 20, interest_rate: 6.5 }, rental_details: { monthly_rent: 2000 }, lifestyle_factors: { expected_years_in_home: 2 } }); // Short time horizon typically favors renting const recommendations = result.recommendations.recommendations; const timeHorizonRec = recommendations.find(r => r.category === 'Time Horizon'); assert(timeHorizonRec, 'Should include time horizon recommendation'); assert(timeHorizonRec.recommendation.includes('Short time horizon'), 'Should identify short time horizon'); }); test('RentVsBuyCalculator - Long Time Horizon Analysis', () => { const calc = new RentVsBuyCalculator(); const result = calc.calculate({ home_details: { home_price: 450000, down_payment_percent: 25, interest_rate: 6.0 }, rental_details: { monthly_rent: 2800 }, lifestyle_factors: { expected_years_in_home: 15 } }); // Long time horizon typically favors buying const buying = result.buying_analysis; assert(buying.long_term_analysis.equity_buildup > 50000, 'Should build significant equity over 15 years'); assert(buying.long_term_analysis.appreciation_gain > 0, 'Should have appreciation gains'); }); test('RentVsBuyCalculator - Market Assumptions Impact', () => { const calc = new RentVsBuyCalculator(); // High appreciation scenario const highAppreciationResult = calc.calculate({ home_details: { home_price: 400000, down_payment_percent: 20, interest_rate: 6.5 }, rental_details: { monthly_rent: 2500 }, market_assumptions: { home_appreciation_rate: 5.0, rent_increase_rate: 2.0 }, lifestyle_factors: { expected_years_in_home: 7 } }); // Low appreciation scenario const lowAppreciationResult = calc.calculate({ home_details: { home_price: 400000, down_payment_percent: 20, interest_rate: 6.5 }, rental_details: { monthly_rent: 2500 }, market_assumptions: { home_appreciation_rate: 1.0, rent_increase_rate: 4.0 }, lifestyle_factors: { expected_years_in_home: 7 } }); const highAppBuying = highAppreciationResult.buying_analysis; const lowAppBuying = lowAppreciationResult.buying_analysis; assert(highAppBuying.long_term_analysis.future_home_value > lowAppBuying.long_term_analysis.future_home_value, 'High appreciation should result in higher future home value'); }); test('RentVsBuyCalculator - Lifestyle Factor Analysis', () => { const calc = new RentVsBuyCalculator(); const result = calc.calculate({ home_details: { home_price: 375000, down_payment_percent: 20, interest_rate: 6.5 }, rental_details: { monthly_rent: 2400 }, lifestyle_factors: { expected_years_in_home: 6, mobility_importance: 'high', stability_importance: 'low', maintenance_preference: 'minimal' } }); const lifestyle = result.comparison.lifestyle_analysis; assert(lifestyle.mobility_factor === 'high', 'Should preserve mobility importance'); assert(lifestyle.stability_preference === 'low', 'Should preserve stability preference'); assert(lifestyle.maintenance_comfort === 'minimal', 'Should preserve maintenance preference'); // High mobility and minimal maintenance typically favor renting assert(lifestyle.lifestyle_score < 50, 'Should score lower for buy-oriented factors'); }); test('RentVsBuyCalculator - Breakeven Analysis', () => { const calc = new RentVsBuyCalculator(); const result = calc.calculate({ home_details: { home_price: 350000, down_payment_percent: 20, interest_rate: 6.5 }, rental_details: { monthly_rent: 2200 }, analysis_options: { breakeven_analysis: true } }); const breakeven = result.breakeven_analysis; assert(breakeven, 'Should include breakeven analysis when requested'); assert(Array.isArray(breakeven.scenarios), 'Should provide breakeven scenarios'); assert(breakeven.scenarios.length === 15, 'Should test 15 different time horizons'); breakeven.scenarios.forEach(scenario => { assert(scenario.years >= 1 && scenario.years <= 15, 'Should have valid year range'); assert(typeof scenario.buying_total_cost === 'number', 'Should calculate buying cost'); assert(typeof scenario.renting_total_cost === 'number', 'Should calculate renting cost'); assert(['Buy', 'Rent'].includes(scenario.better_choice), 'Should identify better choice'); }); }); test('RentVsBuyCalculator - Sensitivity Analysis', () => { const calc = new RentVsBuyCalculator(); const result = calc.calculate({ home_details: { home_price: 400000, down_payment_percent: 20, interest_rate: 6.5 }, rental_details: { monthly_rent: 2500 }, analysis_options: { sensitivity_analysis: true } }); const sensitivity = result.sensitivity_analysis; assert(sensitivity, 'Should include sensitivity analysis when requested'); assert(Array.isArray(sensitivity.sensitivity_results), 'Should provide sensitivity results'); assert(sensitivity.sensitivity_results.length >= 3, 'Should test multiple sensitivity factors'); assert(sensitivity.most_sensitive_factor, 'Should identify most sensitive factor'); sensitivity.sensitivity_results.forEach(factor => { assert(factor.factor, 'Should have factor name'); assert(Array.isArray(factor.scenarios), 'Should have scenarios for each factor'); assert(factor.scenarios.length === 5, 'Should test 5 different adjustments'); }); }); test('RentVsBuyCalculator - Cash Flow Analysis', () => { const calc = new RentVsBuyCalculator(); const result = calc.calculate({ home_details: { home_price: 380000, down_payment_percent: 20, interest_rate: 6.0 }, rental_details: { monthly_rent: 2300 }, lifestyle_factors: { expected_years_in_home: 8 }, analysis_options: { cash_flow_analysis: true } }); const cashFlow = result.cash_flow_analysis; assert(cashFlow, 'Should include cash flow analysis when requested'); assert(Array.isArray(cashFlow.cash_flow_comparison), 'Should provide cash flow comparison'); assert(cashFlow.cash_flow_comparison.length === 8, 'Should have 8 years of cash flow data'); const summary = cashFlow.summary; assert(typeof summary.average_monthly_difference === 'number', 'Should calculate average monthly difference'); assert(typeof summary.upfront_difference === 'number', 'Should calculate upfront difference'); cashFlow.cash_flow_comparison.forEach((year, index) => { assert(year.year === index + 1, 'Should have correct year number'); assert(typeof year.annual_buy_cost === 'number', 'Should calculate annual buy cost'); assert(typeof year.annual_rent_cost === 'number', 'Should calculate annual rent cost'); assert(typeof year.cumulative_buy_cost === 'number', 'Should calculate cumulative buy cost'); assert(typeof year.cumulative_rent_cost === 'number', 'Should calculate cumulative rent cost'); }); }); test('RentVsBuyCalculator - Risk Assessment', () => { const calc = new RentVsBuyCalculator(); const result = calc.calculate({ home_details: { home_price: 600000, down_payment_percent: 10, // Low down payment interest_rate: 7.5 // High interest rate }, rental_details: { monthly_rent: 3500 }, market_assumptions: { home_appreciation_rate: 1.0 // Low appreciation } }); const risk = result.comparison.risk_analysis; assert(Array.isArray(risk.identified_risks), 'Should identify specific risks'); assert(risk.identified_risks.length > 0, 'Should identify multiple risks'); assert(['High', 'Medium', 'Low'].includes(risk.overall_risk_level), 'Should assign valid risk level'); assert(Array.isArray(risk.risk_mitigation_strategies), 'Should provide mitigation strategies'); // Should identify market risk due to low appreciation const marketRisk = risk.identified_risks.find(r => r.category === 'Market Risk'); assert(marketRisk, 'Should identify market risk with low appreciation'); }); test('RentVsBuyCalculator - High-Cost Market Analysis', () => { const calc = new RentVsBuyCalculator(); const result = calc.calculate({ home_details: { home_price: 800000, down_payment_percent: 20, interest_rate: 6.8, property_tax_rate: 2.0, // High property taxes home_insurance_annual: 2400 }, rental_details: { monthly_rent: 4500, renters_insurance_annual: 300 }, lifestyle_factors: { expected_years_in_home: 5 } }); const buying = result.buying_analysis; const renting = result.renting_analysis; assert(buying.upfront_costs.total_upfront > 180000, 'Should have high upfront costs'); assert(buying.monthly_costs.property_tax > 1000, 'Should have high property taxes'); assert(renting.monthly_costs.base_rent === 4500, 'Should preserve high rent'); // In high-cost markets with short time horizon, renting often wins const comparison = result.comparison; assert(typeof comparison.financial_comparison.financial_advantage === 'number', 'Should calculate financial advantage'); }); test('RentVsBuyCalculator - First-Time Buyer Scenario', () => { const calc = new RentVsBuyCalculator(); const result = calc.calculate({ home_details: { home_price: 280000, down_payment_percent: 5, // First-time buyer low down interest_rate: 7.0, pmi_rate: 0.8 }, rental_details: { monthly_rent: 1800 }, financial_profile: { emergency_fund_months: 3 // Lower emergency fund }, lifestyle_factors: { expected_years_in_home: 6, stability_importance: 'high' } }); const buying = result.buying_analysis; assert(buying.upfront_costs.down_payment === 14000, 'Should calculate 5% down payment'); assert(buying.monthly_costs.pmi > 0, 'Should have PMI with low down payment'); const recommendations = result.recommendations.recommendations; assert(recommendations.length > 0, 'Should provide recommendations'); // Should consider the low emergency fund in risk assessment const risk = result.comparison.risk_analysis; assert(risk.identified_risks.some(r => r.category.includes('Risk')), 'Should identify risks with low down payment'); }); test('RentVsBuyCalculator - Investment Return Consideration', () => { const calc = new RentVsBuyCalculator(); const result = calc.calculate({ home_details: { home_price: 400000, down_payment_percent: 20, interest_rate: 6.0 }, rental_details: { monthly_rent: 2400 }, market_assumptions: { investment_return_rate: 9.0 // High investment returns available }, lifestyle_factors: { expected_years_in_home: 6 } }); const renting = result.renting_analysis; const opportunityCost = renting.long_term_analysis.opportunity_cost_analysis; assert(opportunityCost.potential_investment_value > 80000, 'Should calculate potential investment value of down payment'); assert(opportunityCost.foregone_returns > 0, 'Should calculate foregone returns'); }); test('RentVsBuyCalculator - Recommendations Generation', () => { const calc = new RentVsBuyCalculator(); const result = calc.calculate({ home_details: { home_price: 350000, down_payment_percent: 20, interest_rate: 6.5 }, rental_details: { monthly_rent: 2200 }, lifestyle_factors: { expected_years_in_home: 8, mobility_importance: 'low', stability_importance: 'high' } }); 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'); const categories = recommendations.recommendations.map(r => r.category); assert(categories.includes('Primary Decision'), 'Should include primary decision'); assert(Array.isArray(recommendations.key_considerations), 'Should provide key considerations'); assert(recommendations.key_considerations.length > 0, 'Should have key considerations'); }); test('RentVsBuyCalculator - Neutral Decision Scenario', () => { const calc = new RentVsBuyCalculator(); const result = calc.calculate({ home_details: { home_price: 360000, down_payment_percent: 20, interest_rate: 6.5 }, rental_details: { monthly_rent: 2300 // Chosen to create near-neutral scenario }, lifestyle_factors: { expected_years_in_home: 6, mobility_importance: 'medium', stability_importance: 'medium' } }); const comparison = result.comparison; // Should handle neutral scenarios gracefully assert(['Buy', 'Rent', 'Neutral'].includes(comparison.recommended_choice), 'Should provide valid recommendation even in neutral scenarios'); assert(['High', 'Medium', 'Low'].includes(comparison.confidence_level), 'Should provide confidence level'); }); test('RentVsBuyCalculator - Schema Validation', () => { const calc = new RentVsBuyCalculator(); const schema = calc.getSchema(); assert(schema.type === 'object', 'Schema should be an object'); assert(schema.properties.home_details, 'Should have home_details property'); assert(schema.properties.rental_details, 'Should have rental_details property'); assert(schema.properties.market_assumptions, 'Should have market_assumptions property'); assert(schema.properties.maintenance_costs, 'Should have maintenance_costs property'); assert(schema.properties.financial_profile, 'Should have financial_profile property'); assert(schema.properties.lifestyle_factors, 'Should have lifestyle_factors property'); assert(schema.properties.analysis_options, 'Should have analysis_options property'); assert(schema.required.includes('home_details'), 'home_details should be required'); assert(schema.required.includes('rental_details'), 'rental_details should be required'); // Test nested schema structure const homeDetails = schema.properties.home_details; assert(homeDetails.properties.home_price, 'Should define home_price'); assert(homeDetails.properties.down_payment_percent, 'Should define down_payment_percent'); assert(homeDetails.properties.interest_rate, 'Should define interest_rate'); assert(homeDetails.required.includes('home_price'), 'home_price should be required'); assert(homeDetails.required.includes('down_payment_percent'), 'down_payment_percent should be required'); assert(homeDetails.required.includes('interest_rate'), 'interest_rate should be required'); const rentalDetails = schema.properties.rental_details; assert(rentalDetails.properties.monthly_rent, 'Should define monthly_rent'); assert(rentalDetails.required.includes('monthly_rent'), 'monthly_rent should be required'); });