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Finance

Rent vs Buy Total Cost of Ownership Tutor — Mortgage, Tax, Insurance, Maintenance + NPV Break-Even and IRR

Side-by-side monthly rent-vs-buy simulation: mortgage amortization, property tax, insurance, HOA and maintenance against rent plus renter insurance; the renter invests the down payment and monthly savings at an opportunity-cost rate. Outputs break-even year on net sale proceeds, per-year differential NPV, SALT-cap-aware after-tax cash flows, a differential IRR, and a ±20% tornado sensitivity chart.

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Quick start

Call this tool from your code in three languages.

cURL
curl -X POST 'https://api.elysiatools.com/en/api/tools/rent-vs-buy-total-cost-of-ownership-mortgage-tax-insurance-maintenance-irr-tutor' \
  -H 'Content-Type: application/json' \
  -d '{"homePrice":450000,"downPaymentPct":20,"mortgageRatePct":6.5,"termYears":30,"propertyTaxRatePct":1.1,"insuranceAnnual":2200,"hoaMonthly":0,"maintenancePct":1,"appreciationPct":3.5,"sellingCostPct":6,"closingCostPct":3,"rentMonthly":2400,"rentGrowthPct":3,"renterInsuranceAnnual":180,"investmentReturnPct":5,"marginalTaxRatePct":24,"saltCap":40400,"standardDeduction":31500,"analysisYears":10}'

© 2026 Elysia Tools. Developer documentation.

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API reference

Send a POST request with your inputs as JSON. File parameters require a separate upload first.

Endpoint

HTTP
POST https://api.elysiatools.com/en/api/tools/rent-vs-buy-total-cost-of-ownership-mortgage-tax-insurance-maintenance-irr-tutor

Parameters

NameTypeRequiredDescription
homePricenumberYes—
downPaymentPctnumberNo—
mortgageRatePctnumberNo—
termYearsnumberNo—
propertyTaxRatePctnumberNo—
insuranceAnnualnumberNo—
hoaMonthlynumberNo—
maintenancePctnumberNo—
appreciationPctnumberNo—
sellingCostPctnumberNo—
closingCostPctnumberNo—
rentMonthlynumberYes—
rentGrowthPctnumberNo—
renterInsuranceAnnualnumberNo—
investmentReturnPctnumberNo—
marginalTaxRatePctnumberNo—
saltCapnumberNo—
standardDeductionnumberNo—
analysisYearsnumberNo—

Response format

HTML result

JSON
{
  "result": "<div>Processed HTML content</div>",
  "error": "Error message (optional)",
  "message": "Notification message (optional)",
  "metadata": {
    "key": "value"
  }
}

MCP integration

Add this tool to your Model Context Protocol server so AI agents can list and call it.

Server configuration

Add this block to your MCP client configuration:

mcp.json
{
  "mcpServers": {
    "elysiatools-rent-vs-buy-total-cost-of-ownership-mortgage-tax-insurance-maintenance-irr-tutor": {
      "name": "rent-vs-buy-total-cost-of-ownership-mortgage-tax-insurance-maintenance-irr-tutor",
      "description": "Side-by-side monthly rent-vs-buy simulation: mortgage amortization, property tax, insurance, HOA and maintenance against rent plus renter insurance; the renter invests the down payment and monthly savings at an opportunity-cost rate. Outputs break-even year on net sale proceeds, per-year differential NPV, SALT-cap-aware after-tax cash flows, a differential IRR, and a ±20% tornado sensitivity chart.",
      "baseUrl": "https://api.elysiatools.com/mcp/sse?toolId=rent-vs-buy-total-cost-of-ownership-mortgage-tax-insurance-maintenance-irr-tutor",
      "command": "",
      "args": [],
      "env": {},
      "isActive": true,
      "type": "sse"
    }
  }
}

List available tools

After connecting to the SSE endpoint, list the exposed tools:

tools/list
{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/list"
}

Call this tool

Invoke the tool by its id, passing arguments built from its parameters:

tools/call
{
  "jsonrpc": "2.0",
  "id": 2,
  "method": "tools/call",
  "params": {
    "name": "rent-vs-buy-total-cost-of-ownership-mortgage-tax-insurance-maintenance-irr-tutor",
    "arguments": {
  "homePrice": 450000,
  "downPaymentPct": 20,
  "mortgageRatePct": 6.5,
  "termYears": 30,
  "propertyTaxRatePct": 1.1,
  "insuranceAnnual": 2200,
  "hoaMonthly": 0,
  "maintenancePct": 1,
  "appreciationPct": 3.5,
  "sellingCostPct": 6,
  "closingCostPct": 3,
  "rentMonthly": 2400,
  "rentGrowthPct": 3,
  "renterInsuranceAnnual": 180,
  "investmentReturnPct": 5,
  "marginalTaxRatePct": 24,
  "saltCap": 40400,
  "standardDeduction": 31500,
  "analysisYears": 10
}
  }
}
Chain multiple tools in one session with a comma-separated toolId list, e.g. /mcp/sse?toolId=png-to-webp,jpg-to-webp,gif-to-webp (max 20).

Questions or issues? Contact [email protected]

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