Relendi — Commercial Real Estate Loan Tools
Free CRE loan sizing, DSCR stress tests, payments, closing costs and cited lending knowledge.
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质量与安全性
发现（2）
- LOWTool 'calculate_payment' description lacks action verb在 calculate_payment 中
- LOWTool 'analyze_cash_out_refinance' description lacks action verb在 analyze_cash_out_refinance 中
基于对工具定义和协议合规性的自动分析。
上下文开销
这是每次将服务器的工具加载到模型上下文窗口时所消耗的大致 token 数。数值越高，可用于其他任务的注意力就越少。
安装
一键安装
将以下内容添加到你的 `claude_desktop_config.json` 文件中：
{
"mcpServers": {
"relendi-cre": {
"url": "https://relendi.com/api/mcp/public"
}
}
}远程端点
https://relendi.com/api/mcp/publicstreamable-http它能做什么
工具清单
工具（11）
🟢size_loan(netOperatingIncome, estimatedValue, totalCost, thresholds)
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.
输入模式
{
"type": "object",
"properties": {
"netOperatingIncome": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 10000000000,
"description": "Annual NOI in dollars"
},
"estimatedValue": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 10000000000,
"description": "Property value in dollars"
},
"totalCost": {
"description": "Total project cost, for the LTC test",
"type": "number",
"exclusiveMinimum": 0,
"maximum": 10000000000
},
"thresholds": {
"type": "object",
"properties": {
"maxLtv": {
"type": "number",
"minimum": 0.4,
"maximum": 0.95
},
"minDscr": {
"type": "number",
"minimum": 1,
"maximum": 2
},
"minDebtYield": {
"type": "number",
"minimum": 0.04,
"maximum": 0.2
},
"maxLtc": {
"type": "number",
"minimum": 0.4,
"maximum": 1
},
"proposedRate": {
"type": "number",
"minimum": 0,
"maximum": 0.5
},
"amortizationYears": {
"type": "integer",
"minimum": 1,
"maximum": 40
}
}
}
},
"required": [
"netOperatingIncome",
"estimatedValue"
],
"$schema": "https://json-schema.org/draft/2020-12/schema"
}🟢run_scenario(netOperatingIncome, estimatedValue, totalCost, mode, rates, ...)
Run what-if loan sizing across a range of assumptions: a rate ladder, an NOI sensitivity table, or the feasibility of a target loan amount against each constraint. Deterministic — same math as size_loan, swept.
输入模式
{
"type": "object",
"properties": {
"netOperatingIncome": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 10000000000
},
"estimatedValue": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 10000000000
},
"totalCost": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 10000000000
},
"mode": {
"type": "string",
"enum": [
"rate_ladder",
"noi_sensitivity",
"loan_feasibility"
]
},
"rates": {
"maxItems": 7,
"type": "array",
"items": {
"type": "number",
"minimum": 0,
"maximum": 0.5
}
},
"noiDeltaPcts": {
"maxItems": 7,
"type": "array",
"items": {
"type": "number",
"minimum": -50,
"maximum": 50
}
},
"desiredLoanAmount": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 10000000000
},
"thresholds": {
"type": "object",
"properties": {
"maxLtv": {
"type": "number",
"minimum": 0.4,
"maximum": 0.95
},
"minDscr": {
"type": "number",
"minimum": 1,
"maximum": 2
},
"minDebtYield": {
"type": "number",
"minimum": 0.04,
"maximum": 0.2
},
"maxLtc": {
"type": "number",
"minimum": 0.4,
"maximum": 1
},
"proposedRate": {
"type": "number",
"minimum": 0,
"maximum": 0.5
},
"amortizationYears": {
"type": "integer",
"minimum": 1,
"maximum": 40
}
}
}
},
"required": [
"netOperatingIncome",
"estimatedValue",
"mode"
],
"$schema": "https://json-schema.org/draft/2020-12/schema"
}🟢calculate_metrics(annualRevenue, annualExpenses, netOperatingIncome, propertyValue, purchasePrice, ...)
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.
输入模式
{
"type": "object",
"properties": {
"annualRevenue": {
"description": "Gross/effective annual revenue",
"type": "number",
"minimum": 0,
"maximum": 10000000000
},
"annualExpenses": {
"description": "Annual operating expenses (excl. debt service)",
"type": "number",
"minimum": 0,
"maximum": 10000000000
},
"netOperatingIncome": {
"description": "Supply directly, or let it derive from revenue - expenses",
"type": "number",
"minimum": 0,
"maximum": 10000000000
},
"propertyValue": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 10000000000
},
"purchasePrice": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 10000000000
},
"totalProjectCost": {
"description": "For LTC and yield-on-cost",
"type": "number",
"exclusiveMinimum": 0,
"maximum": 10000000000
},
"loanAmount": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 10000000000
},
"annualDebtService": {
"description": "Annual, not monthly",
"type": "number",
"minimum": 0,
"maximum": 10000000000
},
"rate": {
"description": "DECIMAL (0.0725 = 7.25%), used to derive debt service",
"type": "number",
"minimum": 0,
"maximum": 0.5
},
"amortizationYears": {
"type": "integer",
"minimum": 1,
"maximum": 40
}
},
"$schema": "https://json-schema.org/draft/2020-12/schema"
}🟢calculate_payment(loanAmount, rate, amortizationYears, termYears, interestOnly)
Amortizing and interest-only payment math for a commercial loan: monthly and annual debt service, total interest over the term, and the balloon balance at maturity when the term is shorter than the amortization (the normal CRE case — a 10-year term on a 30-year schedule).
输入模式
{
"type": "object",
"properties": {
"loanAmount": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 10000000000
},
"rate": {
"type": "number",
"minimum": 0,
"maximum": 0.5,
"description": "DECIMAL (0.0725 = 7.25%)"
},
"amortizationYears": {
"type": "integer",
"minimum": 1,
"maximum": 40
},
"termYears": {
"description": "Balloon at this point",
"type": "number",
"minimum": 0.5,
"maximum": 40
},
"interestOnly": {
"type": "boolean"
}
},
"required": [
"loanAmount",
"rate"
],
"$schema": "https://json-schema.org/draft/2020-12/schema"
}🟢stress_test(netOperatingIncome, loanAmount, propertyValue, rate, amortizationYears, ...)
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%).
输入模式
{
"type": "object",
"properties": {
"netOperatingIncome": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 10000000000
},
"loanAmount": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 10000000000
},
"propertyValue": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 10000000000
},
"rate": {
"type": "number",
"minimum": 0.5,
"maximum": 30,
"description": "Current annual rate, percent (7.25 = 7.25%)"
},
"amortizationYears": {
"type": "number",
"minimum": 0,
"maximum": 40,
"description": "Amortization in years; 0 = interest-only"
},
"minDscr": {
"type": "number",
"minimum": 1,
"maximum": 2
}
},
"required": [
"netOperatingIncome",
"loanAmount",
"propertyValue",
"rate",
"amortizationYears"
],
"$schema": "https://json-schema.org/draft/2020-12/schema"
}🟢estimate_closing_costs(loanAmount, propertyValue, state, isNYC, isRefinance, ...)
Itemize commercial closing costs for a New York or Florida transaction — lender, title, government (mortgage recording tax, transfer taxes) prepaid and third-party lines. Returns every line item plus totals. For New York you MUST say whether the property is in New York City: the city's recording and transfer taxes are several times the upstate rates and one of them does not exist outside the five boroughs.
输入模式
{
"type": "object",
"properties": {
"loanAmount": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 10000000000
},
"propertyValue": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 10000000000
},
"state": {
"type": "string",
"enum": [
"NY",
"FL"
]
},
"isNYC": {
"description": "REQUIRED when state is NY. True = five boroughs (NYC recording tax + Real Property Transfer Tax). False = anywhere else in New York State.",
"type": "boolean"
},
"isRefinance": {
"type": "boolean"
},
"existingMortgageBalance": {
"type": "number",
"minimum": 0,
"maximum": 10000000000
},
"cemaEnabled": {
"description": "NY refinance only. CEMA assigns rather than discharges the existing mortgage so recording tax applies to new money only. Defaults to FALSE because it requires the existing lender's cooperation, which is not guaranteed — assuming it understates costs.",
"type": "boolean"
},
"interestRate": {
"type": "number",
"minimum": 0.5,
"maximum": 30
},
"brokerFeePercent": {
"type": "number",
"minimum": 0,
"maximum": 10
},
"originationFeePercent": {
"type": "number",
"minimum": 0,
"maximum": 10
},
"annualPropertyTax": {
"type": "number",
"minimum": 0,
"maximum": 100000000
},
"annualInsurance": {
"type": "number",
"minimum": 0,
"maximum": 100000000
}
},
"required": [
"loanAmount",
"propertyValue",
"state",
"isRefinance"
],
"$schema": "https://json-schema.org/draft/2020-12/schema"
}🟢analyze_cash_out_refinance(noi, propertyValue, existingLoanBalance, state, rate, ...)
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.
输入模式
{
"type": "object",
"properties": {
"noi": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 10000000000
},
"propertyValue": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 10000000000
},
"existingLoanBalance": {
"type": "number",
"minimum": 0,
"maximum": 10000000000
},
"state": {
"type": "string",
"enum": [
"NY",
"FL"
]
},
"rate": {
"type": "number",
"minimum": 0.5,
"maximum": 30,
"description": "New loan rate, percent (6.85 = 6.85%)"
},
"amortizationYears": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 40
},
"prepaymentPenaltyPercent": {
"type": "number",
"minimum": 0,
"maximum": 20,
"description": "Percent of payoff balance. Required — state 0 if none."
},
"cemaEnabled": {
"type": "boolean"
},
"maxLtv": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 1
},
"minDscr": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 3
},
"minDebtYield": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 1
}
},
"required": [
"noi",
"propertyValue",
"existingLoanBalance",
"state",
"rate",
"amortizationYears",
"prepaymentPenaltyPercent"
],
"$schema": "https://json-schema.org/draft/2020-12/schema"
}🟢compare_loan_offers(offers)
Rank competing loan offers by true cost of capital, not headline rate. Accounts for origination, exit and other fees over the actual term, and returns an effective rate, total cost and fee burden in basis points for each — so a 'cheaper' rate with heavy fees sorts correctly.
输入模式
{
"type": "object",
"properties": {
"offers": {
"minItems": 2,
"maxItems": 6,
"type": "array",
"items": {
"type": "object",
"properties": {
"lenderName": {
"type": "string",
"maxLength": 120
},
"loanAmount": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 10000000000
},
"interestRate": {
"type": "number",
"minimum": 0.5,
"maximum": 30,
"description": "Annual rate, percent (8.25 = 8.25%)"
},
"term": {
"type": "string",
"maxLength": 40,
"pattern": "^\\s*\\d+(\\.\\d+)?\\s*(mo|mos|month|months|yr|yrs|year|years)\\s*$",
"description": "Loan term WITH its unit — '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."
},
"originationFee": {
"type": "number",
"minimum": 0,
"maximum": 10
},
"exitFee": {
"type": "number",
"minimum": 0,
"maximum": 10
},
"applicationFee": {
"type": "number",
"minimum": 0,
"maximum": 1000000
}
},
"required": [
"loanAmount",
"interestRate",
"term"
]
}
}
},
"required": [
"offers"
],
"$schema": "https://json-schema.org/draft/2020-12/schema"
}🟢search_cre_knowledge(query, topK)
Search Relendi's curated commercial-real-estate knowledge base — lending concepts, deal lifecycle, typical fees and timelines. Returns source-cited excerpts. Use it to ground CRE answers rather than relying on memory.
输入模式
{
"type": "object",
"properties": {
"query": {
"type": "string",
"minLength": 3,
"maxLength": 200
},
"topK": {
"type": "integer",
"minimum": 1,
"maximum": 5
}
},
"required": [
"query"
],
"$schema": "https://json-schema.org/draft/2020-12/schema"
}🟢ask_cre_question(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.
输入模式
{
"type": "object",
"properties": {
"question": {
"type": "string",
"minLength": 5,
"maxLength": 500
}
},
"required": [
"question"
],
"$schema": "https://json-schema.org/draft/2020-12/schema"
}🟢prepare_deal(assetClass, transactionType, address, netOperatingIncome, estimatedValue, ...)
Prepare a Move this deal to Relendi link from the user's CRE scenario. Use when the user wants to keep a deal, continue in Relendi, or carry property details beyond a calculator. Include only facts the user supplied, not guessed values or calculated loan limits as a requested amount. This does not save or submit anything: the user follows the link, reviews the inputs and signs up or signs in to save a private draft. Do not include personal or account information.
输入模式
{
"type": "object",
"properties": {
"assetClass": {
"type": "string",
"enum": [
"Residential",
"Mixed-Use",
"Office",
"Hotel",
"Retail",
"Industrial",
"Land",
"Self-Storage"
]
},
"transactionType": {
"type": "string",
"enum": [
"Refinance",
"Acquisition",
"Construction/Rehab",
"Bridge",
"Pre-Development"
]
},
"address": {
"type": "object",
"properties": {
"street": {
"type": "string",
"maxLength": 160
},
"city": {
"type": "string",
"maxLength": 80
},
"state": {
"type": "string",
"pattern": "^[A-Z]{2}$"
},
"zip": {
"type": "string",
"pattern": "^\\d{5}(?:-\\d{4})?$"
}
},
"additionalProperties": false
},
"netOperatingIncome": {
"type": "number",
"minimum": 0,
"maximum": 10000000000
},
"estimatedValue": {
"type": "number",
"minimum": 0,
"maximum": 10000000000
},
"requestedLoanAmount": {
"type": "number",
"minimum": 0,
"maximum": 10000000000
},
"annualRevenue": {
"type": "number",
"minimum": 0,
"maximum": 10000000000
},
"annualExpenses": {
"type": "number",
"minimum": 0,
"maximum": 10000000000
},
"purchasePrice": {
"type": "number",
"minimum": 0,
"maximum": 10000000000
},
"totalCost": {
"type": "number",
"minimum": 0,
"maximum": 10000000000
},
"requestedInterestRate": {
"description": "PERCENT: 7.25 means 7.25%",
"type": "number",
"minimum": 0,
"maximum": 50
},
"amortizationYears": {
"type": "integer",
"minimum": 1,
"maximum": 40
},
"interestOnly": {
"type": "boolean"
},
"numberOfUnits": {
"type": "integer",
"minimum": 1,
"maximum": 100000
},
"assumptions": {
"type": "object",
"properties": {
"maxLtv": {
"type": "number",
"minimum": 0.4,
"maximum": 0.95
},
"minDscr": {
"type": "number",
"minimum": 1,
"maximum": 2
},
"minDebtYield": {
"type": "number",
"minimum": 0.04,
"maximum": 0.2
},
"maxLtc": {
"type": "number",
"minimum": 0.4,
"maximum": 1
},
"ratePercent": {
"type": "number",
"minimum": 0,
"maximum": 50
},
"amortizationYears": {
"type": "integer",
"minimum": 1,
"maximum": 40
}
},
"additionalProperties": false
}
},
"$schema": "https://json-schema.org/draft/2020-12/schema",
"additionalProperties": false
}社区
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