cost-seg-smart

Quote a CPA-ready cost segregation study for a US real estate property. Returns the study cost in USD, estimated Year-1 accelerated depreciation, and (when a tax bracket is provided) Year-1 tax savings and ROI on the study fee. Pure tier-matrix lookup — no engine run, no charge to the buyer, safe to call repeatedly. Use this before generating a payment link so you can confirm the price with the buyer. Does not provide tax advice.

{
  "type": "object",
  "properties": {
    "property_type": {
      "type": "string",
      "enum": [
        "sfr",
        "str",
        "condo",
        "condo_str",
        "adu",
        "duplex",
        "triplex",
        "fourplex",
        "multifamily_small",
        "multifamily",
        "multifamily5",
        "office",
        "retail",
        "industrial",
        "mixed_use",
        "medical_office",
        "restaurant",
        "duplex_str",
        "triplex_str",
        "fourplex_str"
      ],
      "description": "Property type identifier. Determines the pricing tier and the default Year-1 reclassification percentage. Residential types (sfr, str, condo, condo_str, adu) reclassify ~22-30%; small multifamily (duplex/triplex/fourplex) ~27%; commercial varies by subtype (~18-30%)."
    },
    "purchase_price": {
      "type": "integer",
      "minimum": 25000,
      "description": "Property purchase price in US dollars. Minimum $25,000. The pricing tier is computed from this value. Properties >= $25M fall in the institutional custom-quote tier."
    },
    "tax_bracket": {
      "type": "number",
      "description": "Optional. Buyer's federal marginal tax bracket. Accepts decimal form (0.0-0.6, e.g. 0.32 for 32%) OR whole-number percent (0-60). When provided, response includes tax_savings_year_one and roi_multiple. When omitted, response only includes the deduction estimate."
    }
  },
  "required": [
    "property_type",
    "purchase_price"
  ],
  "additionalProperties": false
}

{
  "type": "object",
  "properties": {
    "property_type": {
      "type": "string",
      "enum": [
        "sfr",
        "str",
        "condo",
        "condo_str",
        "adu",
        "duplex",
        "triplex",
        "fourplex",
        "multifamily_small",
        "multifamily",
        "multifamily5",
        "office",
        "retail",
        "industrial",
        "mixed_use",
        "medical_office",
        "restaurant",
        "duplex_str",
        "triplex_str",
        "fourplex_str"
      ],
      "description": "Echo of the requested property_type."
    },
    "property_type_label": {
      "type": "string",
      "description": "Human-readable label (e.g. 'Short-Term Rental')."
    },
    "purchase_price": {
      "type": "integer",
      "description": "Echo of the requested purchase_price (USD)."
    },
    "study_cost": {
      "type": [
        "integer",
        "null"
      ],
      "description": "Study cost in USD. Null for the institutional custom-quote tier (price >= $25M) — see study_cost_tier."
    },
    "study_cost_tier": {
      "type": "string",
      "enum": [
        "fixed_price",
        "institutional_custom"
      ],
      "description": "'fixed_price' = study_cost is a real USD amount. 'institutional_custom' = property is in the $25M+ tier; route the buyer to [email protected]."
    },
    "deduction_estimate_year_one": {
      "type": "integer",
      "description": "Estimated Year-1 accelerated depreciation in USD, computed as purchase_price × (1 - 0.18 land) × reclass_pct[property_type]. Assumes 100% bonus depreciation per OBBBA §168(k) (2025+)."
    },
    "tax_savings_year_one": {
      "type": [
        "integer",
        "null"
      ],
      "description": "Estimated Year-1 federal tax savings in USD = deduction_estimate_year_one × tax_bracket. Null when tax_bracket was not provided."
    },
    "roi_multiple": {
      "type": [
        "integer",
        "null"
      ],
      "description": "Year-1 return on the study fee = tax_savings_year_one / study_cost, rounded to integer. Null when tax_bracket was not provided or study_cost is null."
    },
    "currency": {
      "type": "string",
      "enum": [
        "USD"
      ],
      "description": "Always 'USD' — Cost Seg Smart is US-only."
    },
    "next_step": {
      "type": "string",
      "description": "Human-readable instruction for the agent's next call."
    },
    "disclaimer": {
      "type": "string",
      "description": "Standard estimate disclaimer to show the buyer."
    }
  },
  "required": [
    "property_type",
    "property_type_label",
    "purchase_price",
    "study_cost_tier",
    "deduction_estimate_year_one",
    "currency",
    "next_step",
    "disclaimer"
  ]
}

Generate a Stripe Checkout URL for a human buyer to purchase a Cost Seg Smart cost segregation study. Returns a payment_link_url plus the study cost, property metadata, and a liability disclaimer naming the calling agent. The buyer must review the URL and authorize payment in their browser — this tool does not charge a card directly. Always call get_cost_seg_quote first and confirm the price with the buyer before generating the link. Side effect: creates a real Stripe Checkout Session.

{
  "type": "object",
  "properties": {
    "property_type": {
      "type": "string",
      "enum": [
        "sfr",
        "str",
        "condo",
        "condo_str",
        "adu",
        "duplex",
        "triplex",
        "fourplex",
        "multifamily_small",
        "multifamily",
        "multifamily5",
        "office",
        "retail",
        "industrial",
        "mixed_use",
        "medical_office",
        "restaurant",
        "duplex_str",
        "triplex_str",
        "fourplex_str"
      ],
      "description": "Property type identifier. Must match one of the enum values supported by get_cost_seg_quote."
    },
    "purchase_price": {
      "type": "integer",
      "minimum": 25000,
      "description": "Property purchase price in US dollars. Minimum $25,000. Pricing tier is computed from this value."
    },
    "buyer_email": {
      "type": "string",
      "format": "email",
      "description": "Optional. Pre-fills the email field on the Stripe Checkout page. If omitted, Stripe collects it from the buyer at checkout."
    },
    "address": {
      "type": "string",
      "description": "Optional. Property street address. Improves report accuracy via county parcel data lookup post-purchase."
    },
    "city": {
      "type": "string",
      "description": "Optional. Property city. Used for the report cover page and metro-specific cost adjustments."
    },
    "state": {
      "type": "string",
      "description": "Optional. Two-letter US state code (e.g. 'CA', 'TX'). Used for state-tax adjustments where applicable."
    },
    "zip": {
      "type": "string",
      "description": "Optional. Property ZIP code (5-digit or ZIP+4)."
    },
    "sqft": {
      "type": "integer",
      "description": "Optional. Building square footage. Improves cost-per-square-foot accuracy in the final report."
    },
    "year_built": {
      "type": "integer",
      "description": "Optional. Year the property was originally constructed. Drives era-specific component cost adjustments."
    },
    "bedrooms": {
      "type": "integer",
      "description": "Optional. Number of bedrooms (residential only)."
    },
    "bathrooms": {
      "type": "number",
      "description": "Optional. Number of bathrooms (residential only). Half-baths count as 0.5."
    },
    "placed_in_service_date": {
      "type": "string",
      "format": "date",
      "description": "Strongly recommended. ISO 'YYYY-MM-DD'. The date the property was placed in service (available for rent or use). Together with acquisition_date this determines the bonus-depreciation RATE, which is the single largest driver of the Year-1 deduction. If you omit both dates the study assumes TODAY, which yields the maximum bonus rate — the order is then held for human review rather than delivered. Ask the buyer for this date."
    },
    "acquisition_date": {
      "type": "string",
      "format": "date",
      "description": "Strongly recommended. ISO 'YYYY-MM-DD'. The date the buyer PURCHASED the property (closing/recorded transfer date), which may differ from placed_in_service_date. Both dates together set the bonus-depreciation rate; omitting both makes the study assume TODAY, which yields the maximum rate and holds the order for human review. Ask the buyer."
    },
    "name": {
      "type": "string",
      "description": "Optional. Buyer's full name for the report cover page."
    },
    "agent_attribution": {
      "type": "string",
      "description": "Optional. Overrides the X-Agent-Name request header. Use the user-visible name of your agent (e.g. 'Claude', 'ChatGPT', 'Cursor') so the buyer's checkout disclaimer correctly identifies who prepared the order. Establishes a chargeback-defense paper trail."
    }
  },
  "required": [
    "property_type",
    "purchase_price"
  ],
  "additionalProperties": false
}

{
  "type": "object",
  "properties": {
    "payment_link_url": {
      "type": [
        "string",
        "null"
      ],
      "description": "Stripe Checkout URL for the buyer to click. Null for the institutional custom-quote tier — when null, see contact_email."
    },
    "stripe_session_id": {
      "type": "string",
      "description": "Stripe Checkout Session ID (cs_live_... or cs_test_...). Present only when payment_link_url is non-null."
    },
    "study_cost": {
      "type": "integer",
      "description": "Study cost in USD the buyer will be charged. Present only for fixed-price tiers."
    },
    "currency": {
      "type": "string",
      "enum": [
        "USD"
      ],
      "description": "Always 'USD' when present."
    },
    "property_type": {
      "type": "string",
      "enum": [
        "sfr",
        "str",
        "condo",
        "condo_str",
        "adu",
        "duplex",
        "triplex",
        "fourplex",
        "multifamily_small",
        "multifamily",
        "multifamily5",
        "office",
        "retail",
        "industrial",
        "mixed_use",
        "medical_office",
        "restaurant",
        "duplex_str",
        "triplex_str",
        "fourplex_str"
      ],
      "description": "Echo of the requested property_type."
    },
    "property_type_label": {
      "type": "string",
      "description": "Human-readable property type label."
    },
    "purchase_price": {
      "type": "integer",
      "description": "Echo of the requested purchase_price."
    },
    "agent_order_ref": {
      "type": "string",
      "description": "Internal correlation ID for this agent-initiated order."
    },
    "agent_name": {
      "type": "string",
      "description": "Agent name as it appears in the buyer's checkout disclaimer."
    },
    "disclaimer": {
      "type": "string",
      "description": "Full liability disclaimer embedded in the Stripe Checkout description. Show this to the buyer alongside the link."
    },
    "next_step": {
      "type": "string",
      "description": "Human-readable instruction for the agent's next action."
    },
    "tier": {
      "type": "string",
      "enum": [
        "institutional_custom"
      ],
      "description": "Present only when the property is in the institutional custom-quote tier (purchase_price >= $25M)."
    },
    "contact_email": {
      "type": "string",
      "format": "email",
      "description": "Present only for the institutional tier. Route the buyer here for a custom-scoped engagement quote."
    },
    "message": {
      "type": "string",
      "description": "Present only for the institutional tier. Human-readable explanation to surface to the buyer."
    }
  },
  "description": "Returns one of two shapes depending on price tier: a Stripe Checkout URL (fixed-price tiers) or an institutional-custom routing object (price >= $25M). payment_link_url is the discriminator — string when actionable, null when custom-routed."
}