real-estate-mcp-toolkit

name	real-estate-mcp-toolkit
description	Teaches an agent the methodology for chaining the Real Estate MCP Server's 50+ tools into complete workflows — buyer affordability and financing plans, comparable-based valuation, investment analysis, listing-document ingestion and report export, batch analysis, area/market intelligence, and deep property analysis. Use whenever the Real Estate MCP Server is connected and the user asks to search or evaluate properties, plan a mortgage, estimate a home's value, analyze a rental as an investment, ingest a listing sheet, or compare areas.
compatibility	Requires the Real Estate MCP Server (this repository) connected as an MCP server.

Real Estate MCP Toolkit

The Real Estate MCP Server gives an agent 50+ tools across property, agent, market, client, area, mortgage, valuation, document, analysis-queue, integration, and system categories. Tools are the execution layer — this skill is the methodology layer: which tools to call, in what order, and what to surface. It provides workflow augmentation, not financial or appraisal advice; every financial workflow ends with a disclaimer, not a guarantee.

Non-negotiable rules

1. Never present estimates as guarantees or appraisals. Mortgage, valuation, and investment tools include a disclaimer field — always surface it.
2. Prefer local, offline tools first; and free live sources over paid ones. lookup_live_property (RentCast) and lookup_live_zestimate (Zillow) are opt-in and metered/paid (may incur cost). The other live tools -- get_live_demographics (Census), get_live_walk_score, get_live_flood_zone (FEMA), get_live_mortgage_rate (FRED), get_live_crime_summary (FBI), get_live_environmental_hazards (EPA), get_live_weather_forecast (NOAA) -- are free. Use local estimate_property_value, comparable_market_analysis, and the seed data unless the user needs live external data, and reach for a free source before RentCast/Zillow.
3. Real files over seed IDs when a file exists. If the user has an actual .txt/.docx listing, use ingest_listing_document rather than assuming a seed property_id.
4. Respect feature flags. Categories can be disabled via REALESTATE_MCP_ENABLE_*. If a tool is missing, read realestate://server-config before assuming the server is broken.
5. State assumptions on every financial calc. Rate, term, DTI, vacancy, and down payment drive the numbers — surface them (they are in the assumptions field).

Tool quick reference

Category	Tools
Property	search_properties, filter_properties, get_property_details, get_property_insights
Agent	get_agent_dashboard, get_agent_properties, get_agent_sales
Market	get_market_overview, compare_areas, get_price_analytics, get_recent_sales
Client	get_client_details, match_client_preferences
Area	get_comprehensive_area_report, get_area_amenities, get_schools_data
Mortgage	calculate_mortgage_payment, get_amortization_schedule, estimate_affordability_tool, compare_refinance
Valuation	estimate_property_value, comparable_market_analysis, analyze_investment, analyze_listing_investment, deep_analyze_property
Document	ingest_listing_document, compare_listing_documents, export_property_report
Analysis Queue	queue_property_analysis, get_analysis_status, get_analysis_result, list_analysis_jobs
Integrations	integration_status, get_live_demographics, get_live_walk_score, get_live_flood_zone, get_live_mortgage_rate, get_live_crime_summary, get_live_environmental_hazards, get_live_weather_forecast, lookup_live_property (paid), lookup_live_zestimate (paid)
System	get_server_info, refresh_data, get_data_summary

Full worked examples: WORKFLOW_EXAMPLES.md.

Workflow patterns

1. Buyer affordability & financing

Trigger: "how much house can I afford", "what's my monthly payment"

1. estimate_affordability_tool(annual_income, monthly_debts, down_payment) → max price and loan.
2. filter_properties(max_price, min_bedrooms, ...) → shortlist in budget.
3. calculate_mortgage_payment(principal, annual_rate_pct, term_years) for the target loan; get_amortization_schedule for the principal/interest split.
4. Use compare_refinance if the user already owns and asks about refinancing.
5. Close with the disclaimer and the assumptions used.

2. Comparable-based valuation

Trigger: "what's this home worth", "is it priced right"

1. estimate_property_value(property_id) → CMA-style estimate vs. list price.
2. comparable_market_analysis(area) → ground the estimate in recent comps.
3. Surface the assessment (under/over/fairly priced) and its basis.

3. Investment analysis

Trigger: "is this a good rental", "cap rate / cash flow"

1. For a hypothetical: analyze_investment(price, monthly_rent, down_payment).
2. For an existing listing: analyze_listing_investment(property_id, monthly_rent, down_payment_pct).
3. Report cap rate, cash-on-cash, and annual cash flow with the assumptions.

4. Listing-document ingestion & report

Trigger: "read this listing sheet", "make a report"

1. ingest_listing_document(file_path) (.txt/.docx) → structured fields.
2. export_property_report(report_json, output_path.docx) for a deliverable.
3. compare_listing_documents(a, b) to diff two sheets.

5. Batch / async analysis

Trigger: "analyze these listings", "queue this batch"

1. queue_property_analysis(file_path, analysis_notes) → job_id.
2. Poll get_analysis_status(job_id); retrieve get_analysis_result(job_id).
3. list_analysis_jobs() for a batch summary. Results persist in local SQLite.

6. Deep property analysis

Trigger: "give me a deeper read on this property"

1. deep_analyze_property(property_id, focus) — uses MCP sampling when the client supports it, otherwise returns the deterministic heuristic summary (with a note). Surface the disclaimer.

7. Area & market intelligence

Trigger: "tell me about this neighborhood", "compare these areas"

1. get_comprehensive_area_report(area) for a full picture.
2. compare_areas("A,B,C") and get_market_overview for context.
3. Only use get_live_demographics if the free Census integration is enabled (integration_status).

Response shape

Close every financial/valuation workflow with:

• The disclaimer text verbatim from the tool response.
• The assumptions used (rate, term, DTI, vacancy, down payment).
• Concrete next steps (adjust inputs, pull comps, consult a lender/appraiser).