credit_analysis__dscr

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

No annotations provided. The description accurately represents a simple ratio computation without side effects, but lacks any behavioral nuances or edge cases.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Is the description appropriately sized, front-loaded, and free of redundancy?

Extremely concise single sentence. No redundancy, but could include more context without being verbose.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

For a simple ratio with two number inputs, the description is minimally adequate. However, it does not mention output format (ratio, percentage, etc.) or potential division-by-zero issues.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema description coverage is 0%. The description hints that cfads is numerator and debt_service denominator, but doesn't explain required units, formatting, or valid ranges.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Does the description clearly state what the tool does and how it differs from similar tools?

The description clearly states the formula (CFADS / Debt Service) and implies DSCR calculation. It differentiates from sibling coverage ratios like interest coverage, though not explicitly.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Does the description explain when to use this tool, when not to, or what alternatives exist?

No guidance on when to use DSCR versus other credit analysis tools like interest coverage or covenant headroom. No prerequisites or when-not scenarios mentioned.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.