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Relendi — Commercial Real Estate Loan Tools

io.github.royamir1/relendi-cre
Data & Analytics Finance & Investing Real Estate Public & reachable MCP 2025-11-25

What this MCP does

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

Capabilities

Tools

11 tools
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.
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Input schema 
{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'required': ['noi', 'propertyValue', 'existingLoanBalance', 'state', 'rate', 'amortizationYears', 'prepaymentPenaltyPercent'], 'properties': {'noi': {'type': 'number', 'maximum': 10000000000, 'exclusiveMinimum': 0}, 'rate': {'type': 'number', 'maximum': 30, 'minimum': 0.5, 'description': 'New loan rate, percent (6.85 = 6.85%)'}, 'state': {'enum': ['NY', 'FL'], 'type': 'string'}, 'maxLtv': {'type': 'number', 'maximum': 1, 'exclusiveMinimum': 0}, 'minDscr': {'type': 'number', 'maximum': 3, 'exclusiveMinimum': 0}, 'cemaEnabled': {'type': 'boolean'}, 'minDebtYield': {'type': 'number', 'maximum': 1, 'exclusiveMinimum': 0}, 'propertyValue': {'type': 'number', 'maximum': 10000000000, 'exclusiveMinimum': 0}, 'amortizationYears': {'type': 'number', 'maximum': 40, 'exclusiveMinimum': 0}, 'existingLoanBalance': {'type': 'number', 'maximum': 10000000000, 'minimum': 0}, 'prepaymentPenaltyPercent': {'type': 'number', 'maximum': 20, 'minimum': 0, 'description': 'Percent of payoff balance. Required â\x80\x94 state 0 if none.'}}}
ask_cre_question
Ask Cre Question
Ask a plain-English question about commercial real estate lending and get a short answer grounded in Relendi's knowledge base, with citations. For loan math prefer size_loan or run_scenario, which are exact.
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Input schema 
{'type': 'object', '$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.
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Input schema 
{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'properties': {'rate': {'type': 'number', 'maximum': 0.5, 'minimum': 0, 'description': 'DECIMAL (0.0725 = 7.25%), used to derive debt service'}, 'loanAmount': {'type': 'number', 'maximum': 10000000000, 'exclusiveMinimum': 0}, 'annualRevenue': {'type': 'number', 'maximum': 10000000000, 'minimum': 0, 'description': 'Gross/effective annual revenue'}, 'propertyValue': {'type': 'number', 'maximum': 10000000000, 'exclusiveMinimum': 0}, 'purchasePrice': {'type': 'number', 'maximum': 10000000000, 'exclusiveMinimum': 0}, 'annualExpenses': {'type': 'number', 'maximum': 10000000000, 'minimum': 0, 'description': 'Annual operating expenses (excl. debt service)'}, 'totalProjectCost': {'type': 'number', 'maximum': 10000000000, 'description': 'For LTC and yield-on-cost', 'exclusiveMinimum': 0}, 'amortizationYears': {'type': 'integer', 'maximum': 40, 'minimum': 1}, 'annualDebtService': {'type': 'number', 'maximum': 10000000000, 'minimum': 0, 'description': 'Annual, not monthly'}, 'netOperatingIncome': {'type': 'number', 'maximum': 10000000000, 'minimum': 0, 'description': 'Supply directly, or let it derive from revenue - expenses'}}}
calculate_payment
Calculate Payment
Amortizing and interest-only payment math for a commercial loan: monthly and annual debt service, total interest over the term, and the balloon balance at maturity when the term is shorter than the amortization (the normal CRE case — a 10-year term on a 30-year schedule).
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Input schema 
{'type': 'object', '$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.
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Input schema 
{'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.
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Input schema 
{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'required': ['loanAmount', 'propertyValue', 'state', 'isRefinance'], 'properties': {'isNYC': {'type': 'boolean', 'description': 'REQUIRED when state is NY. True = five boroughs (NYC recording tax + Real Property Transfer Tax). False = anywhere else in New York State.'}, 'state': {'enum': ['NY', 'FL'], 'type': 'string'}, 'loanAmount': {'type': 'number', 'maximum': 10000000000, 'exclusiveMinimum': 0}, 'cemaEnabled': {'type': 'boolean', 'description': "NY refinance only. CEMA assigns rather than discharges the existing mortgage so recording tax applies to new money only. Defaults to FALSE because it requires the existing lender's cooperation, which is not guaranteed â\x80\x94 assuming it understates costs."}, 'isRefinance': {'type': 'boolean'}, 'interestRate': {'type': 'number', 'maximum': 30, 'minimum': 0.5}, 'propertyValue': {'type': 'number', 'maximum': 10000000000, 'exclusiveMinimum': 0}, 'annualInsurance': {'type': 'number', 'maximum': 100000000, 'minimum': 0}, 'brokerFeePercent': {'type': 'number', 'maximum': 10, 'minimum': 0}, 'annualPropertyTax': {'type': 'number', 'maximum': 100000000, 'minimum': 0}, 'originationFeePercent': {'type': 'number', 'maximum': 10, 'minimum': 0}, 'existingMortgageBalance': {'type': 'number', 'maximum': 10000000000, 'minimum': 0}}}
prepare_deal
Prepare Deal
Prepare a Move this deal to Relendi link from the user's CRE scenario. Use when the user wants to keep a deal, continue in Relendi, or carry property details beyond a calculator. Include only facts the user supplied, not guessed values or calculated loan limits as a requested amount. This does not save or submit anything: the user follows the link, reviews the inputs and signs up or signs in to save a private draft. Do not include personal or account information.
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Input schema 
{'type': 'object', '$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.
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Input schema 
{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'required': ['netOperatingIncome', 'estimatedValue', 'mode'], 'properties': {'mode': {'enum': ['rate_ladder', 'noi_sensitivity', 'loan_feasibility'], 'type': 'string'}, 'rates': {'type': 'array', 'items': {'type': 'number', 'maximum': 0.5, 'minimum': 0}, 'maxItems': 7}, 'totalCost': {'type': 'number', 'maximum': 10000000000, 'exclusiveMinimum': 0}, 'thresholds': {'type': 'object', 'properties': {'maxLtc': {'type': 'number', 'maximum': 1, 'minimum': 0.4}, 'maxLtv': {'type': 'number', 'maximum': 0.95, 'minimum': 0.4}, 'minDscr': {'type': 'number', 'maximum': 2, 'minimum': 1}, 'minDebtYield': {'type': 'number', 'maximum': 0.2, 'minimum': 0.04}, 'proposedRate': {'type': 'number', 'maximum': 0.5, 'minimum': 0}, 'amortizationYears': {'type': 'integer', 'maximum': 40, 'minimum': 1}}}, 'noiDeltaPcts': {'type': 'array', 'items': {'type': 'number', 'maximum': 50, 'minimum': -50}, 'maxItems': 7}, 'estimatedValue': {'type': 'number', 'maximum': 10000000000, 'exclusiveMinimum': 0}, 'desiredLoanAmount': {'type': 'number', 'maximum': 10000000000, 'exclusiveMinimum': 0}, 'netOperatingIncome': {'type': 'number', 'maximum': 10000000000, 'exclusiveMinimum': 0}}}
search_cre_knowledge
Search Cre Knowledge
Search Relendi's curated commercial-real-estate knowledge base — lending concepts, deal lifecycle, typical fees and timelines. Returns source-cited excerpts. Use it to ground CRE answers rather than relying on memory.
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Input schema 
{'type': 'object', '$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.
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Input schema 
{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'required': ['netOperatingIncome', 'estimatedValue'], 'properties': {'totalCost': {'type': 'number', 'maximum': 10000000000, 'description': 'Total project cost, for the LTC test', 'exclusiveMinimum': 0}, 'thresholds': {'type': 'object', 'properties': {'maxLtc': {'type': 'number', 'maximum': 1, 'minimum': 0.4}, 'maxLtv': {'type': 'number', 'maximum': 0.95, 'minimum': 0.4}, 'minDscr': {'type': 'number', 'maximum': 2, 'minimum': 1}, 'minDebtYield': {'type': 'number', 'maximum': 0.2, 'minimum': 0.04}, 'proposedRate': {'type': 'number', 'maximum': 0.5, 'minimum': 0}, 'amortizationYears': {'type': 'integer', 'maximum': 40, 'minimum': 1}}}, 'estimatedValue': {'type': 'number', 'maximum': 10000000000, 'description': 'Property value in dollars', 'exclusiveMinimum': 0}, 'netOperatingIncome': {'type': 'number', 'maximum': 10000000000, 'description': 'Annual NOI in dollars', 'exclusiveMinimum': 0}}}
stress_test
Stress Test
Stress a loan against rate shocks, income decline, and combined scenarios. Returns stressed DSCR per scenario with a pass/marginal/fail verdict — the same tests a credit committee runs. Rates are PERCENT (7.25 = 7.25%).
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Input schema 
{'type': 'object', '$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}}}
History

Recent tool changes

Added
prepare_deal
Sept. 17, 2026, 12:49 p.m.
Added
ask_cre_question
Sept. 17, 2026, 12:49 p.m.
Added
search_cre_knowledge
Sept. 17, 2026, 12:49 p.m.
Added
compare_loan_offers
Sept. 17, 2026, 12:49 p.m.
Added
analyze_cash_out_refinance
Sept. 17, 2026, 12:49 p.m.
Added
estimate_closing_costs
Sept. 17, 2026, 12:49 p.m.
Added
stress_test
Sept. 17, 2026, 12:49 p.m.
Added
calculate_payment
Sept. 17, 2026, 12:49 p.m.
Added
calculate_metrics
Sept. 17, 2026, 12:49 p.m.
Added
run_scenario
Sept. 17, 2026, 12:49 p.m.
Added
size_loan
Sept. 17, 2026, 12:49 p.m.
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