Finance
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.
Call this tool from your code in three languages.
curl -X POST 'http://127.0.0.1:3003/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}'Send a POST request with your inputs as JSON. File parameters require a separate upload first.
POST http://127.0.0.1:3003/en/api/tools/rent-vs-buy-total-cost-of-ownership-mortgage-tax-insurance-maintenance-irr-tutor| Name | Type | Required | Description |
|---|---|---|---|
| homePrice | number | Yes | — |
| downPaymentPct | number | No | — |
| mortgageRatePct | number | No | — |
| termYears | number | No | — |
| propertyTaxRatePct | number | No | — |
| insuranceAnnual | number | No | — |
| hoaMonthly | number | No | — |
| maintenancePct | number | No | — |
| appreciationPct | number | No | — |
| sellingCostPct | number | No | — |
| closingCostPct | number | No | — |
| rentMonthly | number | Yes | — |
| rentGrowthPct | number | No | — |
| renterInsuranceAnnual | number | No | — |
| investmentReturnPct | number | No | — |
| marginalTaxRatePct | number | No | — |
| saltCap | number | No | — |
| standardDeduction | number | No | — |
| analysisYears | number | No | — |
HTML result
{
"result": "<div>Processed HTML content</div>",
"error": "Error message (optional)",
"message": "Notification message (optional)",
"metadata": {
"key": "value"
}
}Add this tool to your Model Context Protocol server so AI agents can list and call it.
Add this block to your MCP client configuration:
{
"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": "http://127.0.0.1:3003/mcp/sse?toolId=rent-vs-buy-total-cost-of-ownership-mortgage-tax-insurance-maintenance-irr-tutor",
"command": "",
"args": [],
"env": {},
"isActive": true,
"type": "sse"
}
}
}After connecting to the SSE endpoint, list the exposed tools:
{
"jsonrpc": "2.0",
"id": 1,
"method": "tools/list"
}Invoke the tool by its id, passing arguments built from its parameters:
{
"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
}
}
}Questions or issues? Contact [email protected]