RealVest

@realvest/mcp-server

An MCP (Model Context Protocol) server that provides AI assistants with direct access to RealVest.ai's comprehensive suite of 31 professional real estate investment calculators and educational resources. Perfect for integrating professional-grade real estate analysis capabilities into Claude and other AI assistants.

🚀 Features

31 Professional Calculators

Basic Analysis Tools (5)

• calculate_affordability - Home affordability based on income and debts
• analyze_brrrr_deal - BRRRR (Buy, Rehab, Rent, Refinance, Repeat) analysis
• evaluate_house_hack - House hacking strategy calculator
• project_portfolio_growth - 20-year portfolio projection
• analyze_syndication - Syndication investment evaluation

Lending & Qualification Tools (3)

• calculate_mortgage_affordability - Advanced mortgage qualification with dual income
• analyze_debt_to_income - DTI analysis for different loan types
• compare_loans - Side-by-side comparison of up to 4 loan scenarios

Investment Analysis Tools (6)

• calculate_irr - Internal Rate of Return with sensitivity analysis
• analyze_fix_flip - Fix and flip profitability calculator
• calculate_npv - Net Present Value with inflation adjustment
• calculate_cocr - Cash-on-Cash Return with 5-year projections
• calculate_dscr - Debt Service Coverage Ratio for investment loans
• analyze_breakeven - Breakeven analysis for rental properties

Advanced Analysis Tools (15)

• analyze_sensitivity - Multi-variable sensitivity analysis
• run_monte_carlo - Monte Carlo risk simulation (10,000+ scenarios)
• calculate_tax_benefits - Tax benefits and depreciation calculator
• compare_properties - Compare up to 5 properties side-by-side
• analyze_refinance - Refinance analysis with break-even and NPV calculations
• analyze_airbnb_str - Airbnb/STR income analysis with seasonal variations
• analyze_1031_exchange - 1031 like-kind exchange tax analysis and qualification
• analyze_market_comps - Market analysis with comparable property analysis and CMA
• analyze_construction_loan - Construction loan analysis with draw schedules and permanent financing
• analyze_wholesale_deal - Wholesale deal analysis with assignment fees and exit strategies
• analyze_subject_to_deal - Subject-to deal analysis with existing mortgage takeover
• analyze_seller_financing - Seller financing analysis with terms optimization and risk assessment
• analyze_hard_money_loan - Hard money loan analysis with project viability and risk assessment
• calculate_capital_gains_tax - Capital gains tax calculator with optimization strategies
• analyze_rent_vs_buy - Compare costs and benefits of renting vs buying with comprehensive financial analysis
• track_deal_pipeline - Track and analyze multiple deals through various stages with performance metrics
• analyze_joint_venture - Analyze joint venture partnerships with profit splitting and risk assessment
• analyze_property_management - Compare self-management vs professional property management
• track_property_expenses - Track and analyze property expenses with benchmarking and tax analysis

Educational Resources

• insights_articles - 35+ educational articles and market insights
• state_assistance_programs - Down payment assistance by state
• market_data - Current mortgage rates and market conditions
• calculator_examples - Example scenarios for each calculator

📦 Installation

NPM Global Install (Recommended)

npm install -g @realvest/mcp-server

NPM Local Install

npm install @realvest/mcp-server

From Source

git clone https://github.com/sigaihealth/realvestmcp.git
cd realvestmcp
npm install

🔧 Configuration

With Claude Desktop

Add to your Claude Desktop configuration:

macOS: ~/Library/Application Support/Claude/claude_desktop_config.json Windows: %APPDATA%\Claude\claude_desktop_config.json

{
  "mcpServers": {
    "realvest": {
      "command": "npx",
      "args": ["@realvest/mcp-server"],
      "description": "RealVest.ai real estate investment tools"
    }
  }
}

Or if installed globally:

{
  "mcpServers": {
    "realvest": {
      "command": "realvest-mcp",
      "description": "RealVest.ai real estate investment tools"
    }
  }
}

📚 Complete Usage Examples

🏠 Basic Calculators

Affordability Calculator

Human: I make $95,000/year with $800 in monthly debts. I have $30,000 saved. What house can I afford?

Claude: I'll calculate what you can afford using the RealVest affordability calculator.

[Uses calculate_affordability]

Based on your finances:
- Maximum home price: $385,000
- Monthly payment: $2,534
- Down payment: 7.8% ($30,000)
- Cash needed at closing: $37,850
- Front-end DTI: 32.1%
- Back-end DTI: 42.2%

BRRRR Calculator

Human: Analyzing a BRRRR deal: $120k purchase, $40k rehab, $210k ARV, $1,600/mo rent

Claude: I'll analyze this BRRRR opportunity for you.

[Uses analyze_brrrr_deal]

BRRRR Analysis Results:
- Total investment: $160,000
- Cash out at refinance: $2,500 (98.4% capital returned!)
- Monthly cash flow: $287
- Annual ROI: 39.4%
- Cash-on-cash return: 11.5%
- This is an excellent BRRRR deal!

House Hacking Calculator

Human: I'm buying a $450,000 triplex, living in one unit. Other units rent for $1,500 each.

Claude: Let me calculate your house hacking savings.

[Uses evaluate_house_hack]

House Hacking Analysis:
- Your effective housing cost: -$523/month (you're getting paid to live there!)
- Compared to renting: Save $2,023/month
- Annual savings: $24,276
- Plus you're building equity and getting tax benefits!

Portfolio Growth Projector

Human: Starting with $75k, saving $20k/year, buying a property every 18 months. 20-year projection?

Claude: I'll project your portfolio growth over 20 years.

[Uses project_portfolio_growth]

20-Year Portfolio Projection:
- Properties owned: 13
- Portfolio value: $4.2 million
- Total equity: $2.3 million
- Monthly cash flow: $11,400
- Annual passive income: $136,800
- Total ROI: 485%

Syndication Analyzer

Human: Evaluating a syndication: $100k investment, 8% preferred, 70/30 split, 17% projected IRR

Claude: I'll analyze this syndication opportunity.

[Uses analyze_syndication]

Syndication Analysis:
- Total projected return: $217,000
- Cash-on-cash average: 9.8%
- Equity multiple: 2.17x
- Risk-adjusted return: Good
- The 8% preferred return provides solid downside protection

💰 Lending & Qualification Tools

Mortgage Affordability Calculator

Human: Dual income: $85k + $65k, $1,200 monthly debts, $50k down. Include closing costs.

Claude: I'll calculate your mortgage affordability with both incomes.

[Uses calculate_mortgage_affordability]

Mortgage Affordability Analysis:
- Combined income: $150,000/year
- Maximum purchase price: $625,000
- Maximum loan amount: $575,000
- Monthly payment (PITI): $4,125
- Total monthly with debts: $5,325
- Front-end DTI: 33.0%
- Back-end DTI: 42.6%
- Closing costs estimate: $17,250

Debt-to-Income Calculator

Human: Income $120k, debts: $400 car, $200 credit cards, $150 student loans. Check all loan types.

Claude: I'll analyze your DTI for different loan types.

[Uses analyze_debt_to_income]

DTI Analysis Results:
- Current DTI: 7.5%
- With mortgage: 35.8%

Loan Type Qualification:
✅ Conventional: Qualified (max 45%)
✅ FHA: Qualified (max 57%)
✅ VA: Qualified (max 41%)
✅ USDA: Qualified (max 41%)
⚠️ Jumbo: Borderline (prefer <35%)

Maximum loan amounts by type vary from $485k-$625k

Loan Comparison Tool

Human: Compare: 1) 6.5% 30yr conventional, 2) 5.9% 15yr, 3) 6.2% FHA, 4) 5.8% 5/1 ARM

Claude: I'll compare these four loan options for you.

[Uses compare_loans]

Loan Comparison Results:

Best for monthly payment: FHA ($2,847/mo)
Best for total interest: 15-year ($158,420)
Best for equity building: 15-year 
Best overall value: Conventional 30-year

ARM Risk: Payment could increase to $3,425/mo
FHA PMI: $312/mo for 11 years
Break-even on points: 42 months

📊 Investment Analysis Tools

IRR Calculator

Human: Initial investment $150k, cash flows: Y1 $12k, Y2 $15k, Y3 $18k, Y4 $22k, Y5 $25k + $200k sale

Claude: I'll calculate the IRR for this investment.

[Uses calculate_irr]

IRR Analysis:
- IRR: 19.7%
- NPV at 10%: $63,482
- Total return: 128%
- Payback period: 4.2 years

Sensitivity Analysis:
- If rents drop 10%: IRR falls to 15.3%
- If exit value drops 10%: IRR falls to 16.8%
- Break-even sale price: $147,000

Fix & Flip Calculator

Human: Purchase $180k, rehab $65k, ARV $320k, 6-month timeline, hard money loan

Claude: I'll analyze this fix and flip project.

[Uses analyze_fix_flip]

Fix & Flip Analysis:
- Total investment: $245,000
- Net profit: $52,350
- ROI: 21.4%
- Profit margin: 16.4%
- MAO (70% rule): $159,000 ✅ Good deal!

Financing costs: $14,700
Break-even sale price: $259,700
Safety cushion: $60,300

NPV Calculator

Human: Evaluating a 10-year hold: -$200k initial, $24k/year cash flow, $400k sale, 8% discount rate

Claude: I'll calculate the NPV for this investment.

[Uses calculate_npv]

NPV Analysis:
- Nominal NPV: $128,745
- IRR: 13.8%
- Profitability Index: 1.64
- Payback period: 8.3 years

With 3% inflation:
- Real NPV: $142,380
- Real discount rate: 4.85%
- This investment significantly outpaces inflation!

Cash-on-Cash Return Calculator

Human: $350k property, 25% down, $3,200 rent, $1,400 expenses, 6.8% rate

Claude: I'll calculate your cash-on-cash return.

[Uses calculate_cocr]

Cash-on-Cash Anal

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*README truncated. [View full README on GitHub](https://github.com/sigaihealth/realvestmcp).*