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Relendi — Commercial Real Estate Loan Tools

io.github.royamir1/relendi-cre
데이터 및 분석 금융 및 투자 부동산 공개 · 연결 가능 MCP 2025-11-25

이 MCP로 할 수 있는 일

Calculates commercial real estate loan sizing, underwriting metrics, payments, stress tests, closing costs, and scenario comparisons.

기능

도구

11 도구
analyze_cash_out_refinance
Analyze Cash Out Refinance
Full cash-out refinance waterfall: the largest new loan the property supports across LTV, DSCR and debt-yield, then down through payoff, prepayment penalty and closing costs to net cash in hand. Includes NY CEMA savings when applicable. prepaymentPenaltyPercent is REQUIRED — omitting a penalty overstates the borrower's proceeds by its entire amount, so state 0 explicitly when there is none.
읽기 전용
입력 스키마 
{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'required': ['noi', 'propertyValue', 'existingLoanBalance', 'state', 'rate', 'amortizationYears', 'prepaymentPenaltyPercent'], 'properties': {'noi': {'type': 'number', 'maximum': 10000000000, 'exclusiveMinimum': 0}, 'rate': {'type': 'number', 'maximum': 30, 'minimum': 0.5, 'description': 'New loan rate, percent (6.85 = 6.85%)'}, 'state': {'enum': ['NY', 'FL'], 'type': 'string'}, 'maxLtv': {'type': 'number', 'maximum': 1, 'exclusiveMinimum': 0}, 'minDscr': {'type': 'number', 'maximum': 3, 'exclusiveMinimum': 0}, 'cemaEnabled': {'type': 'boolean'}, 'minDebtYield': {'type': 'number', 'maximum': 1, 'exclusiveMinimum': 0}, 'propertyValue': {'type': 'number', 'maximum': 10000000000, 'exclusiveMinimum': 0}, 'amortizationYears': {'type': 'number', 'maximum': 40, 'exclusiveMinimum': 0}, 'existingLoanBalance': {'type': 'number', 'maximum': 10000000000, 'minimum': 0}, 'prepaymentPenaltyPercent': {'type': 'number', 'maximum': 20, 'minimum': 0, 'description': 'Percent of payoff balance. Required â\x80\x94 state 0 if none.'}}}
ask_cre_question
Ask Cre Question
Ask a plain-English question about commercial real estate lending and get a short answer grounded in Relendi's knowledge base, with citations. For loan math prefer size_loan or run_scenario, which are exact.
읽기 전용
입력 스키마 
{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'required': ['question'], 'properties': {'question': {'type': 'string', 'maxLength': 500, 'minLength': 5}}}
calculate_metrics
Calculate Metrics
Compute the standard commercial real estate underwriting metrics from raw figures: NOI, cap rate, DSCR, debt yield, LTV, LTC, operating expense ratio, break-even occupancy and yield on cost. Supply whatever you have — each metric is returned only when its inputs are present, with the formula used. Use this instead of computing CRE ratios yourself.
읽기 전용
입력 스키마 
{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'properties': {'rate': {'type': 'number', 'maximum': 0.5, 'minimum': 0, 'description': 'DECIMAL (0.0725 = 7.25%), used to derive debt service'}, 'loanAmount': {'type': 'number', 'maximum': 10000000000, 'exclusiveMinimum': 0}, 'annualRevenue': {'type': 'number', 'maximum': 10000000000, 'minimum': 0, 'description': 'Gross/effective annual revenue'}, 'propertyValue': {'type': 'number', 'maximum': 10000000000, 'exclusiveMinimum': 0}, 'purchasePrice': {'type': 'number', 'maximum': 10000000000, 'exclusiveMinimum': 0}, 'annualExpenses': {'type': 'number', 'maximum': 10000000000, 'minimum': 0, 'description': 'Annual operating expenses (excl. debt service)'}, 'totalProjectCost': {'type': 'number', 'maximum': 10000000000, 'description': 'For LTC and yield-on-cost', 'exclusiveMinimum': 0}, 'amortizationYears': {'type': 'integer', 'maximum': 40, 'minimum': 1}, 'annualDebtService': {'type': 'number', 'maximum': 10000000000, 'minimum': 0, 'description': 'Annual, not monthly'}, 'netOperatingIncome': {'type': 'number', 'maximum': 10000000000, 'minimum': 0, 'description': 'Supply directly, or let it derive from revenue - expenses'}}}
calculate_payment
Calculate Payment
Amortizing and interest-only payment math for a commercial loan: monthly and annual debt service, total interest over the term, and the balloon balance at maturity when the term is shorter than the amortization (the normal CRE case — a 10-year term on a 30-year schedule).
읽기 전용
입력 스키마 
{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'required': ['loanAmount', 'rate'], 'properties': {'rate': {'type': 'number', 'maximum': 0.5, 'minimum': 0, 'description': 'DECIMAL (0.0725 = 7.25%)'}, 'termYears': {'type': 'number', 'maximum': 40, 'minimum': 0.5, 'description': 'Balloon at this point'}, 'loanAmount': {'type': 'number', 'maximum': 10000000000, 'exclusiveMinimum': 0}, 'interestOnly': {'type': 'boolean'}, 'amortizationYears': {'type': 'integer', 'maximum': 40, 'minimum': 1}}}
compare_loan_offers
Compare Loan Offers
Rank competing loan offers by true cost of capital, not headline rate. Accounts for origination, exit and other fees over the actual term, and returns an effective rate, total cost and fee burden in basis points for each — so a 'cheaper' rate with heavy fees sorts correctly.
읽기 전용
입력 스키마 
{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'required': ['offers'], 'properties': {'offers': {'type': 'array', 'items': {'type': 'object', 'required': ['loanAmount', 'interestRate', 'term'], 'properties': {'term': {'type': 'string', 'pattern': '^\\s*\\d+(\\.\\d+)?\\s*(mo|mos|month|months|yr|yrs|year|years)\\s*$', 'maxLength': 40, 'description': "Loan term WITH its unit â\x80\x94 '18 months' or '5 years'. A bare number is rejected: the underlying parser would read '30' as 30 months, understating a 30-year note's cost 12x."}, 'exitFee': {'type': 'number', 'maximum': 10, 'minimum': 0}, 'lenderName': {'type': 'string', 'maxLength': 120}, 'loanAmount': {'type': 'number', 'maximum': 10000000000, 'exclusiveMinimum': 0}, 'interestRate': {'type': 'number', 'maximum': 30, 'minimum': 0.5, 'description': 'Annual rate, percent (8.25 = 8.25%)'}, 'applicationFee': {'type': 'number', 'maximum': 1000000, 'minimum': 0}, 'originationFee': {'type': 'number', 'maximum': 10, 'minimum': 0}}}, 'maxItems': 6, 'minItems': 2}}}
estimate_closing_costs
Estimate Closing Costs
Itemize commercial closing costs for a New York or Florida transaction — lender, title, government (mortgage recording tax, transfer taxes) prepaid and third-party lines. Returns every line item plus totals. For New York you MUST say whether the property is in New York City: the city's recording and transfer taxes are several times the upstate rates and one of them does not exist outside the five boroughs.
읽기 전용
입력 스키마 
{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'required': ['loanAmount', 'propertyValue', 'state', 'isRefinance'], 'properties': {'isNYC': {'type': 'boolean', 'description': 'REQUIRED when state is NY. True = five boroughs (NYC recording tax + Real Property Transfer Tax). False = anywhere else in New York State.'}, 'state': {'enum': ['NY', 'FL'], 'type': 'string'}, 'loanAmount': {'type': 'number', 'maximum': 10000000000, 'exclusiveMinimum': 0}, 'cemaEnabled': {'type': 'boolean', 'description': "NY refinance only. CEMA assigns rather than discharges the existing mortgage so recording tax applies to new money only. Defaults to FALSE because it requires the existing lender's cooperation, which is not guaranteed â\x80\x94 assuming it understates costs."}, 'isRefinance': {'type': 'boolean'}, 'interestRate': {'type': 'number', 'maximum': 30, 'minimum': 0.5}, 'propertyValue': {'type': 'number', 'maximum': 10000000000, 'exclusiveMinimum': 0}, 'annualInsurance': {'type': 'number', 'maximum': 100000000, 'minimum': 0}, 'brokerFeePercent': {'type': 'number', 'maximum': 10, 'minimum': 0}, 'annualPropertyTax': {'type': 'number', 'maximum': 100000000, 'minimum': 0}, 'originationFeePercent': {'type': 'number', 'maximum': 10, 'minimum': 0}, 'existingMortgageBalance': {'type': 'number', 'maximum': 10000000000, 'minimum': 0}}}
prepare_deal
Prepare Deal
Prepare a Move this deal to Relendi link from the user's CRE scenario. Use when the user wants to keep a deal, continue in Relendi, or carry property details beyond a calculator. Include only facts the user supplied, not guessed values or calculated loan limits as a requested amount. This does not save or submit anything: the user follows the link, reviews the inputs and signs up or signs in to save a private draft. Do not include personal or account information.
읽기 전용
입력 스키마 
{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'properties': {'address': {'type': 'object', 'properties': {'zip': {'type': 'string', 'pattern': '^\\d{5}(?:-\\d{4})?$'}, 'city': {'type': 'string', 'maxLength': 80}, 'state': {'type': 'string', 'pattern': '^[A-Z]{2}$'}, 'street': {'type': 'string', 'maxLength': 160}}, 'additionalProperties': False}, 'totalCost': {'type': 'number', 'maximum': 10000000000, 'minimum': 0}, 'assetClass': {'enum': ['Residential', 'Mixed-Use', 'Office', 'Hotel', 'Retail', 'Industrial', 'Land', 'Self-Storage'], 'type': 'string'}, 'assumptions': {'type': 'object', 'properties': {'maxLtc': {'type': 'number', 'maximum': 1, 'minimum': 0.4}, 'maxLtv': {'type': 'number', 'maximum': 0.95, 'minimum': 0.4}, 'minDscr': {'type': 'number', 'maximum': 2, 'minimum': 1}, 'ratePercent': {'type': 'number', 'maximum': 50, 'minimum': 0}, 'minDebtYield': {'type': 'number', 'maximum': 0.2, 'minimum': 0.04}, 'amortizationYears': {'type': 'integer', 'maximum': 40, 'minimum': 1}}, 'additionalProperties': False}, 'interestOnly': {'type': 'boolean'}, 'annualRevenue': {'type': 'number', 'maximum': 10000000000, 'minimum': 0}, 'numberOfUnits': {'type': 'integer', 'maximum': 100000, 'minimum': 1}, 'purchasePrice': {'type': 'number', 'maximum': 10000000000, 'minimum': 0}, 'annualExpenses': {'type': 'number', 'maximum': 10000000000, 'minimum': 0}, 'estimatedValue': {'type': 'number', 'maximum': 10000000000, 'minimum': 0}, 'transactionType': {'enum': ['Refinance', 'Acquisition', 'Construction/Rehab', 'Bridge', 'Pre-Development'], 'type': 'string'}, 'amortizationYears': {'type': 'integer', 'maximum': 40, 'minimum': 1}, 'netOperatingIncome': {'type': 'number', 'maximum': 10000000000, 'minimum': 0}, 'requestedLoanAmount': {'type': 'number', 'maximum': 10000000000, 'minimum': 0}, 'requestedInterestRate': {'type': 'number', 'maximum': 50, 'minimum': 0, 'description': 'PERCENT: 7.25 means 7.25%'}}, 'additionalProperties': False}
run_scenario
Run Scenario
Run what-if loan sizing across a range of assumptions: a rate ladder, an NOI sensitivity table, or the feasibility of a target loan amount against each constraint. Deterministic — same math as size_loan, swept.
읽기 전용
입력 스키마 
{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'required': ['netOperatingIncome', 'estimatedValue', 'mode'], 'properties': {'mode': {'enum': ['rate_ladder', 'noi_sensitivity', 'loan_feasibility'], 'type': 'string'}, 'rates': {'type': 'array', 'items': {'type': 'number', 'maximum': 0.5, 'minimum': 0}, 'maxItems': 7}, 'totalCost': {'type': 'number', 'maximum': 10000000000, 'exclusiveMinimum': 0}, 'thresholds': {'type': 'object', 'properties': {'maxLtc': {'type': 'number', 'maximum': 1, 'minimum': 0.4}, 'maxLtv': {'type': 'number', 'maximum': 0.95, 'minimum': 0.4}, 'minDscr': {'type': 'number', 'maximum': 2, 'minimum': 1}, 'minDebtYield': {'type': 'number', 'maximum': 0.2, 'minimum': 0.04}, 'proposedRate': {'type': 'number', 'maximum': 0.5, 'minimum': 0}, 'amortizationYears': {'type': 'integer', 'maximum': 40, 'minimum': 1}}}, 'noiDeltaPcts': {'type': 'array', 'items': {'type': 'number', 'maximum': 50, 'minimum': -50}, 'maxItems': 7}, 'estimatedValue': {'type': 'number', 'maximum': 10000000000, 'exclusiveMinimum': 0}, 'desiredLoanAmount': {'type': 'number', 'maximum': 10000000000, 'exclusiveMinimum': 0}, 'netOperatingIncome': {'type': 'number', 'maximum': 10000000000, 'exclusiveMinimum': 0}}}
search_cre_knowledge
Search Cre Knowledge
Search Relendi's curated commercial-real-estate knowledge base — lending concepts, deal lifecycle, typical fees and timelines. Returns source-cited excerpts. Use it to ground CRE answers rather than relying on memory.
읽기 전용
입력 스키마 
{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'required': ['query'], 'properties': {'topK': {'type': 'integer', 'maximum': 5, 'minimum': 1}, 'query': {'type': 'string', 'maxLength': 200, 'minLength': 3}}}
size_loan
Size Loan
Size a commercial real estate loan from first principles. Returns the maximum supportable loan as the MINIMUM of four constraints — loan-to-value, debt-service-coverage, debt yield and loan-to-cost — plus which one binds. Deterministic math on the numbers you supply; it does not quote lender terms.
읽기 전용
입력 스키마 
{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'required': ['netOperatingIncome', 'estimatedValue'], 'properties': {'totalCost': {'type': 'number', 'maximum': 10000000000, 'description': 'Total project cost, for the LTC test', 'exclusiveMinimum': 0}, 'thresholds': {'type': 'object', 'properties': {'maxLtc': {'type': 'number', 'maximum': 1, 'minimum': 0.4}, 'maxLtv': {'type': 'number', 'maximum': 0.95, 'minimum': 0.4}, 'minDscr': {'type': 'number', 'maximum': 2, 'minimum': 1}, 'minDebtYield': {'type': 'number', 'maximum': 0.2, 'minimum': 0.04}, 'proposedRate': {'type': 'number', 'maximum': 0.5, 'minimum': 0}, 'amortizationYears': {'type': 'integer', 'maximum': 40, 'minimum': 1}}}, 'estimatedValue': {'type': 'number', 'maximum': 10000000000, 'description': 'Property value in dollars', 'exclusiveMinimum': 0}, 'netOperatingIncome': {'type': 'number', 'maximum': 10000000000, 'description': 'Annual NOI in dollars', 'exclusiveMinimum': 0}}}
stress_test
Stress Test
Stress a loan against rate shocks, income decline, and combined scenarios. Returns stressed DSCR per scenario with a pass/marginal/fail verdict — the same tests a credit committee runs. Rates are PERCENT (7.25 = 7.25%).
읽기 전용
입력 스키마 
{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'required': ['netOperatingIncome', 'loanAmount', 'propertyValue', 'rate', 'amortizationYears'], 'properties': {'rate': {'type': 'number', 'maximum': 30, 'minimum': 0.5, 'description': 'Current annual rate, percent (7.25 = 7.25%)'}, 'minDscr': {'type': 'number', 'maximum': 2, 'minimum': 1}, 'loanAmount': {'type': 'number', 'maximum': 10000000000, 'exclusiveMinimum': 0}, 'propertyValue': {'type': 'number', 'maximum': 10000000000, 'exclusiveMinimum': 0}, 'amortizationYears': {'type': 'number', 'maximum': 40, 'minimum': 0, 'description': 'Amortization in years; 0 = interest-only'}, 'netOperatingIncome': {'type': 'number', 'maximum': 10000000000, 'exclusiveMinimum': 0}}}
기록

최근 도구 변경

추가됨
prepare_deal
2026년 9월 17일 12:49 PM
추가됨
ask_cre_question
2026년 9월 17일 12:49 PM
추가됨
search_cre_knowledge
2026년 9월 17일 12:49 PM
추가됨
compare_loan_offers
2026년 9월 17일 12:49 PM
추가됨
analyze_cash_out_refinance
2026년 9월 17일 12:49 PM
추가됨
estimate_closing_costs
2026년 9월 17일 12:49 PM
추가됨
stress_test
2026년 9월 17일 12:49 PM
추가됨
calculate_payment
2026년 9월 17일 12:49 PM
추가됨
calculate_metrics
2026년 9월 17일 12:49 PM
추가됨
run_scenario
2026년 9월 17일 12:49 PM
추가됨
size_loan
2026년 9월 17일 12:49 PM
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