analyze_break_even
ChatGPTEducational refinance break-even: months to recover user-entered closing costs (and optional prepayment penalty) through modeled monthly P&I savings (monthlySavingsBasis: pi_only). Returns adjusted break-even, payment comparison, and modeled interest/cost differences. Not loan approval, live rates, or tax advice.
analyze_break_even
ChatGPTEducational refinance break-even: months to recover user-entered closing costs (and optional prepayment penalty) through modeled monthly P&I savings (monthlySavingsBasis: pi_only). Returns adjusted break-even, payment comparison, and modeled interest/cost differences. Not loan approval, live rates, or tax advice.
analyze_break_even
ChatGPTEducational refinance break-even: months to recover user-entered closing costs (and optional prepayment penalty) through modeled monthly P&I savings (monthlySavingsBasis: pi_only). Returns adjusted break-even, payment comparison, and modeled interest/cost differences. Not loan approval, live rates, or tax advice.
analyze_buydown
ChatGPTEducational temporary buydown analysis for 2-1, 1-0, or custom structures. Returns qualifying payment (note-rate P&I), year-by-year temporary payment reductions, monthly savings, payment shock at reset, and estimated buydown fund. Optional quoted buydown cost comparison. P&I only; user supplies all inputs — not a lender disclosure.
analyze_buydown
ChatGPTEducational temporary buydown analysis for 2-1, 1-0, or custom structures. Returns qualifying payment (note-rate P&I), year-by-year temporary payment reductions, monthly savings, payment shock at reset, and estimated buydown fund. Optional quoted buydown cost comparison. P&I only; user supplies all inputs — not a lender disclosure.
analyze_buydown
ChatGPTEducational temporary buydown analysis for 2-1, 1-0, or custom structures. Returns qualifying payment (note-rate P&I), year-by-year temporary payment reductions, monthly savings, payment shock at reset, and estimated buydown fund. Optional quoted buydown cost comparison. P&I only; user supplies all inputs — not a lender disclosure.
analyze_cash_flow
ChatGPTEducational rental property cash flow analysis from user-entered rent, vacancy, operating expenses, and financing. Returns modeled NOI, debt service (P&I), monthly and annual cash flow, cash-on-cash return, DSCR, expense ratio, and break-even occupancy. Not live market data, tax advice, or investment advice.
analyze_cash_flow
ChatGPTEducational rental property cash flow analysis from user-entered rent, vacancy, operating expenses, and financing. Returns modeled NOI, debt service (P&I), monthly and annual cash flow, cash-on-cash return, DSCR, expense ratio, and break-even occupancy. Not live market data, tax advice, or investment advice.
analyze_cash_flow
ChatGPTEducational rental property cash flow analysis from user-entered rent, vacancy, operating expenses, and financing. Returns modeled NOI, debt service (P&I), monthly and annual cash flow, cash-on-cash return, DSCR, expense ratio, and break-even occupancy. Not live market data, tax advice, or investment advice.
analyze_cash_out_refinance
ChatGPTEducational modeled cash-out refinance: equity withdrawn, estimated proceeds, new loan amount, LTV, equity remaining, and P&I payment change (monthlySavingsBasis: pi_only). Optional educational PMI estimate when LTV ≥ 80%. Not loan approval, live rates, tax advice, or debt-consolidation guidance.
analyze_cash_out_refinance
ChatGPTEducational modeled cash-out refinance: equity withdrawn, estimated proceeds, new loan amount, LTV, equity remaining, and P&I payment change (monthlySavingsBasis: pi_only). Optional educational PMI estimate when LTV ≥ 80%. Not loan approval, live rates, tax advice, or debt-consolidation guidance.
analyze_cash_out_refinance
ChatGPTEducational modeled cash-out refinance: equity withdrawn, estimated proceeds, new loan amount, LTV, equity remaining, and P&I payment change (monthlySavingsBasis: pi_only). Optional educational PMI estimate when LTV ≥ 80%. Not loan approval, live rates, tax advice, or debt-consolidation guidance.
analyze_refinance
ChatGPTAnalyses a mortgage refinance scenario by comparing the current loan against a proposed refinance. Returns monthly savings, break-even period (months/years to recover closing costs), total lifetime cost comparison, and a simple should-refinance heuristic. Supports rate-and-term and cash-out refinances. Use when a user asks "should I refinance?", wants to compare their current rate to a new offer, or wants to know the break-even point on closing costs.
analyze_refinance
ChatGPTAnalyses a mortgage refinance scenario by comparing the current loan against a proposed refinance. Returns monthly savings, break-even period (months/years to recover closing costs), total lifetime cost comparison, and a simple should-refinance heuristic. Supports rate-and-term and cash-out refinances. Use when a user asks "should I refinance?", wants to compare their current rate to a new offer, or wants to know the break-even point on closing costs.
analyze_refinance
ChatGPTAnalyses a mortgage refinance scenario by comparing the current loan against a proposed refinance. Returns monthly savings, break-even period (months/years to recover closing costs), total lifetime cost comparison, and a simple should-refinance heuristic. Supports rate-and-term and cash-out refinances. Use when a user asks "should I refinance?", wants to compare their current rate to a new offer, or wants to know the break-even point on closing costs.
analyze_roi
ChatGPTEducational modeled total return for a rental property over a user-chosen horizon. Combines cumulative modeled cash flow and projected equity at sale (from appreciation assumptions you enter). Returns modeled total return %, cash-on-cash (year-one), annual cash flow, equity at horizon, and projection rows. Not IRR/XIRR, not tax-adjusted, not investment advice or live market data.
analyze_roi
ChatGPTEducational modeled total return for a rental property over a user-chosen horizon. Combines cumulative modeled cash flow and projected equity at sale (from appreciation assumptions you enter). Returns modeled total return %, cash-on-cash (year-one), annual cash flow, equity at horizon, and projection rows. Not IRR/XIRR, not tax-adjusted, not investment advice or live market data.
analyze_roi
ChatGPTEducational modeled total return for a rental property over a user-chosen horizon. Combines cumulative modeled cash flow and projected equity at sale (from appreciation assumptions you enter). Returns modeled total return %, cash-on-cash (year-one), annual cash flow, equity at horizon, and projection rows. Not IRR/XIRR, not tax-adjusted, not investment advice or live market data.
calculate_apr
ChatGPTCalculates an educational actuarial APR for a fixed-rate mortgage from the note rate, loan amount, and upfront finance charges (discount points, origination fee, and additional finance charges). Returns APR, note rate, amount financed, fee breakdown, and whether APR exceeds the note rate. User supplies all fees — no live lender pricing. Use when comparing loan estimates or explaining APR vs interest rate. Not an official lender disclosure.
calculate_apr
ChatGPTCalculates an educational actuarial APR for a fixed-rate mortgage from the note rate, loan amount, and upfront finance charges (discount points, origination fee, and additional finance charges). Returns APR, note rate, amount financed, fee breakdown, and whether APR exceeds the note rate. User supplies all fees — no live lender pricing. Use when comparing loan estimates or explaining APR vs interest rate. Not an official lender disclosure.
calculate_apr
ChatGPTCalculates an educational actuarial APR for a fixed-rate mortgage from the note rate, loan amount, and upfront finance charges (discount points, origination fee, and additional finance charges). Returns APR, note rate, amount financed, fee breakdown, and whether APR exceeds the note rate. User supplies all fees — no live lender pricing. Use when comparing loan estimates or explaining APR vs interest rate. Not an official lender disclosure.
calculate_cap_rate
ChatGPTEducational cap rate from user-entered rent, vacancy, operating expenses, and property value. Cap rate = annual NOI ÷ property value (before debt). Returns modeled NOI, expense ratio, and optional cash flow context. Not live market cap rates, tax advice, or investment advice.
calculate_cap_rate
ChatGPTEducational cap rate from user-entered rent, vacancy, operating expenses, and property value. Cap rate = annual NOI ÷ property value (before debt). Returns modeled NOI, expense ratio, and optional cash flow context. Not live market cap rates, tax advice, or investment advice.
calculate_cap_rate
ChatGPTEducational cap rate from user-entered rent, vacancy, operating expenses, and property value. Cap rate = annual NOI ÷ property value (before debt). Returns modeled NOI, expense ratio, and optional cash flow context. Not live market cap rates, tax advice, or investment advice.
calculate_dscr
ChatGPTEducational debt service coverage ratio from user-entered rent, vacancy, operating expenses, and financing. Modeled DSCR = annual NOI ÷ annual P&I debt service (debtServiceBasis: pi). Returns NOI, debt service, debt yield, and break-even occupancy context. Not loan approval, lender underwriting, or investment advice.
calculate_dscr
ChatGPTEducational debt service coverage ratio from user-entered rent, vacancy, operating expenses, and financing. Modeled DSCR = annual NOI ÷ annual P&I debt service (debtServiceBasis: pi). Returns NOI, debt service, debt yield, and break-even occupancy context. Not loan approval, lender underwriting, or investment advice.
calculate_dscr
ChatGPTEducational debt service coverage ratio from user-entered rent, vacancy, operating expenses, and financing. Modeled DSCR = annual NOI ÷ annual P&I debt service (debtServiceBasis: pi). Returns NOI, debt service, debt yield, and break-even occupancy context. Not loan approval, lender underwriting, or investment advice.
calculate_dti
ChatGPTCalculates front-end (housing-only) and back-end (all-debt) debt-to-income ratios given gross monthly income and monthly debt obligations. Returns whether the borrower likely qualifies for conventional financing (back-end DTI ≤ 43%) and remaining monthly debt capacity. Use when a user wants to know their DTI, whether they qualify, or how much additional debt they can take on.
calculate_dti
ChatGPTCalculates front-end (housing-only) and back-end (all-debt) debt-to-income ratios given gross monthly income and monthly debt obligations. Returns whether the borrower likely qualifies for conventional financing (back-end DTI ≤ 43%) and remaining monthly debt capacity. Use when a user wants to know their DTI, whether they qualify, or how much additional debt they can take on.
calculate_dti
ChatGPTCalculates front-end (housing-only) and back-end (all-debt) debt-to-income ratios given gross monthly income and monthly debt obligations. Returns whether the borrower likely qualifies for conventional financing (back-end DTI ≤ 43%) and remaining monthly debt capacity. Use when a user wants to know their DTI, whether they qualify, or how much additional debt they can take on.
calculate_mortgage_payment
ChatGPTCalculates the full monthly mortgage payment breakdown including principal & interest, property tax, homeowners insurance, PMI, and HOA fees. Also returns total interest paid over the loan term. Use when a user wants to know their expected monthly housing cost, how down payment affects payment, or the total cost of a loan. Set includeSchedule=true to receive the full month-by-month amortization schedule.
calculate_mortgage_payment
ChatGPTCalculates the full monthly mortgage payment breakdown including principal & interest, property tax, homeowners insurance, PMI, and HOA fees. Also returns total interest paid over the loan term. Use when a user wants to know their expected monthly housing cost, how down payment affects payment, or the total cost of a loan. Set includeSchedule=true to receive the full month-by-month amortization schedule.
calculate_mortgage_payment
ChatGPTCalculates the full monthly mortgage payment breakdown including principal & interest, property tax, homeowners insurance, PMI, and HOA fees. Also returns total interest paid over the loan term. Use when a user wants to know their expected monthly housing cost, how down payment affects payment, or the total cost of a loan. Set includeSchedule=true to receive the full month-by-month amortization schedule.
calculate_pmi
ChatGPTCalculates monthly PMI cost, LTV ratio, and the estimated month/year when PMI can be removed (accounting for principal paydown and home appreciation). Returns total PMI cost until removal and the payment difference with vs. without PMI. Use when a user wants to know their PMI cost, when they can cancel PMI, or whether to make a larger down payment to avoid PMI entirely.
calculate_pmi
ChatGPTCalculates monthly PMI cost, LTV ratio, and the estimated month/year when PMI can be removed (accounting for principal paydown and home appreciation). Returns total PMI cost until removal and the payment difference with vs. without PMI. Use when a user wants to know their PMI cost, when they can cancel PMI, or whether to make a larger down payment to avoid PMI entirely.
calculate_pmi
ChatGPTCalculates monthly PMI cost, LTV ratio, and the estimated month/year when PMI can be removed (accounting for principal paydown and home appreciation). Returns total PMI cost until removal and the payment difference with vs. without PMI. Use when a user wants to know their PMI cost, when they can cancel PMI, or whether to make a larger down payment to avoid PMI entirely.
calculate_prepayment_penalty
ChatGPTEstimates a potential prepayment penalty from user-entered balance, prepayment amount, and penalty terms (none, percent of prepayment, percent of balance, months of interest, or flat fee). Returns separated remaining balance, prepayment, penalty, and estimated cash required to prepay. Optional comparison only when comparisonMode is set with user-supplied savings. Educational only — not legal interpretation.
calculate_prepayment_penalty
ChatGPTEstimates a potential prepayment penalty from user-entered balance, prepayment amount, and penalty terms (none, percent of prepayment, percent of balance, months of interest, or flat fee). Returns separated remaining balance, prepayment, penalty, and estimated cash required to prepay. Optional comparison only when comparisonMode is set with user-supplied savings. Educational only — not legal interpretation.
calculate_prepayment_penalty
ChatGPTEstimates a potential prepayment penalty from user-entered balance, prepayment amount, and penalty terms (none, percent of prepayment, percent of balance, months of interest, or flat fee). Returns separated remaining balance, prepayment, penalty, and estimated cash required to prepay. Optional comparison only when comparisonMode is set with user-supplied savings. Educational only — not legal interpretation.
compare_15_vs_30_year
ChatGPTCompares 15-year (program A) and 30-year (program B) fixed-rate mortgages on the same loan amount with separate user-supplied rates. Returns monthly P&I, total interest, principal paid and equity built through expected ownership, payoff dates, interest saved with 15-year term, additional equity with 15-year, and months until cumulative interest savings exceed extra 15-year payments. Educational only — not live pricing.
compare_15_vs_30_year
ChatGPTCompares 15-year (program A) and 30-year (program B) fixed-rate mortgages on the same loan amount with separate user-supplied rates. Returns monthly P&I, total interest, principal paid and equity built through expected ownership, payoff dates, interest saved with 15-year term, additional equity with 15-year, and months until cumulative interest savings exceed extra 15-year payments. Educational only — not live pricing.
compare_15_vs_30_year
ChatGPTCompares 15-year (program A) and 30-year (program B) fixed-rate mortgages on the same loan amount with separate user-supplied rates. Returns monthly P&I, total interest, principal paid and equity built through expected ownership, payoff dates, interest saved with 15-year term, additional equity with 15-year, and months until cumulative interest savings exceed extra 15-year payments. Educational only — not live pricing.
compare_buy_vs_rent
ChatGPTCompares buying (program A) vs renting (program B) over expected stay years. Returns separated ownership cash flow, home equity, renter investment portfolio (opportunity cost), net worth at horizon assuming home sale, break-even year, and yearly snapshots. User-supplied appreciation, rent growth, and investment return — educational only, not investment or tax advice.
compare_buy_vs_rent
ChatGPTCompares buying (program A) vs renting (program B) over expected stay years. Returns separated ownership cash flow, home equity, renter investment portfolio (opportunity cost), net worth at horizon assuming home sale, break-even year, and yearly snapshots. User-supplied appreciation, rent growth, and investment return — educational only, not investment or tax advice.
compare_buy_vs_rent
ChatGPTCompares buying (program A) vs renting (program B) over expected stay years. Returns separated ownership cash flow, home equity, renter investment portfolio (opportunity cost), net worth at horizon assuming home sale, break-even year, and yearly snapshots. User-supplied appreciation, rent growth, and investment return — educational only, not investment or tax advice.
compare_fha_vs_conventional
ChatGPTCompares FHA (program A) and conventional (program B) loans on the same property and down payment. Returns monthly loan payments, total monthly housing (with tax/insurance), upfront cash, and estimated loan cost over the user's expected ownership years. FHA UFMIP and annual MIP rates and conventional PMI rate are user assumptions — not live lender pricing or an approval decision. Identifies lower monthly loan payment and lower loan cost over ownership; optional break-even ownership years when cumulative loan costs intersect.
compare_fha_vs_conventional
ChatGPTCompares FHA (program A) and conventional (program B) loans on the same property and down payment. Returns monthly loan payments, total monthly housing (with tax/insurance), upfront cash, and estimated loan cost over the user's expected ownership years. FHA UFMIP and annual MIP rates and conventional PMI rate are user assumptions — not live lender pricing or an approval decision. Identifies lower monthly loan payment and lower loan cost over ownership; optional break-even ownership years when cumulative loan costs intersect.
compare_fha_vs_conventional
ChatGPTCompares FHA (program A) and conventional (program B) loans on the same property and down payment. Returns monthly loan payments, total monthly housing (with tax/insurance), upfront cash, and estimated loan cost over the user's expected ownership years. FHA UFMIP and annual MIP rates and conventional PMI rate are user assumptions — not live lender pricing or an approval decision. Identifies lower monthly loan payment and lower loan cost over ownership; optional break-even ownership years when cumulative loan costs intersect.
compare_loans
ChatGPTCompares two mortgage loan options (Loan A vs Loan B) on the same property. Returns monthly payment, total interest, upfront costs, and total lifetime cost for each loan, plus the difference in monthly payment, upfront cost, and lifetime cost between them. Identifies which loan has the lower lifetime cost. Supports comparing different rates, terms, points, and closing costs. Use when a user has two loan offers and wants to know which is better.
compare_loans
ChatGPTCompares two mortgage loan options (Loan A vs Loan B) on the same property. Returns monthly payment, total interest, upfront costs, and total lifetime cost for each loan, plus the difference in monthly payment, upfront cost, and lifetime cost between them. Identifies which loan has the lower lifetime cost. Supports comparing different rates, terms, points, and closing costs. Use when a user has two loan offers and wants to know which is better.
compare_loans
ChatGPTCompares two mortgage loan options (Loan A vs Loan B) on the same property. Returns monthly payment, total interest, upfront costs, and total lifetime cost for each loan, plus the difference in monthly payment, upfront cost, and lifetime cost between them. Identifies which loan has the lower lifetime cost. Supports comparing different rates, terms, points, and closing costs. Use when a user has two loan offers and wants to know which is better.
estimate_affordability
ChatGPTEstimates the maximum home price a buyer can afford based on income, debts, down payment, and expected mortgage rate. Applies the standard 28/43 DTI rule: housing payment ≤ 28% of gross income (front-end) and all debts ≤ 43% (back-end). Returns max home price, required down payment, total cash needed at closing, estimated monthly payment breakdown (P&I, tax, insurance, PMI, HOA), front-end and back-end DTI ratios, and which constraint is binding. Use when a user asks "how much house can I afford?" or "what is my buying power?".
estimate_affordability
ChatGPTEstimates the maximum home price a buyer can afford based on income, debts, down payment, and expected mortgage rate. Applies the standard 28/43 DTI rule: housing payment ≤ 28% of gross income (front-end) and all debts ≤ 43% (back-end). Returns max home price, required down payment, total cash needed at closing, estimated monthly payment breakdown (P&I, tax, insurance, PMI, HOA), front-end and back-end DTI ratios, and which constraint is binding. Use when a user asks "how much house can I afford?" or "what is my buying power?".
estimate_affordability
ChatGPTEstimates the maximum home price a buyer can afford based on income, debts, down payment, and expected mortgage rate. Applies the standard 28/43 DTI rule: housing payment ≤ 28% of gross income (front-end) and all debts ≤ 43% (back-end). Returns max home price, required down payment, total cash needed at closing, estimated monthly payment breakdown (P&I, tax, insurance, PMI, HOA), front-end and back-end DTI ratios, and which constraint is binding. Use when a user asks "how much house can I afford?" or "what is my buying power?".
estimate_closing_costs
ChatGPTEstimates potential buyer closing costs and cash to close from user-supplied itemized lines: loan costs, title/settlement, prepaids, escrow reserves, and credits. Returns category subtotals, net closing costs, down payment, cash to close, prepaid interest per day, and recurring monthly escrow. Educational only — not live title/escrow quotes or Loan Estimate/Closing Disclosure.
estimate_closing_costs
ChatGPTEstimates potential buyer closing costs and cash to close from user-supplied itemized lines: loan costs, title/settlement, prepaids, escrow reserves, and credits. Returns category subtotals, net closing costs, down payment, cash to close, prepaid interest per day, and recurring monthly escrow. Educational only — not live title/escrow quotes or Loan Estimate/Closing Disclosure.
estimate_closing_costs
ChatGPTEstimates potential buyer closing costs and cash to close from user-supplied itemized lines: loan costs, title/settlement, prepaids, escrow reserves, and credits. Returns category subtotals, net closing costs, down payment, cash to close, prepaid interest per day, and recurring monthly escrow. Educational only — not live title/escrow quotes or Loan Estimate/Closing Disclosure.
generate_amortization_schedule
ChatGPTGenerates an educational fixed-rate amortization summary: monthly P&I, total interest, illustrative payoff date, year-by-year principal/interest totals with cumulative amounts, and first-five-year milestones (remaining balance, interest share). Full month-by-month schedule is available via API with includeSchedule=true — omitted from MCP/widget by default. Not for ARM, interest-only, or loans with extra payments (use analyze_extra_payments).
generate_amortization_schedule
ChatGPTGenerates an educational fixed-rate amortization summary: monthly P&I, total interest, illustrative payoff date, year-by-year principal/interest totals with cumulative amounts, and first-five-year milestones (remaining balance, interest share). Full month-by-month schedule is available via API with includeSchedule=true — omitted from MCP/widget by default. Not for ARM, interest-only, or loans with extra payments (use analyze_extra_payments).
generate_amortization_schedule
ChatGPTGenerates an educational fixed-rate amortization summary: monthly P&I, total interest, illustrative payoff date, year-by-year principal/interest totals with cumulative amounts, and first-five-year milestones (remaining balance, interest share). Full month-by-month schedule is available via API with includeSchedule=true — omitted from MCP/widget by default. Not for ARM, interest-only, or loans with extra payments (use analyze_extra_payments).
