app.terravue/terravue

Est-ce que app.terravue/terravue est sûr ?

Au dernier audit MCP Hub, le serveur MCP « app.terravue/terravue » est classé « Non encore testé ». Référencé dans l'annuaire. Seul le pentest comportemental fait foi, et il n'a pas encore été exécuté sur ce serveur. Le verdict est réévalué en continu ; consultez la fiche pour l'état à jour.

Méthode : MCP Hub analyse la description de chaque outil (couche 1) et, pour le verdict fort, exécute le serveur dans une micro-VM isolée avec leurres et réseau bloqué (couche 2). On publie des noms et des compteurs, jamais le contenu brut renvoyé par un outil.

Les 6 outils

• affordability≈ 960 tokens

  Can this buyer afford this home? Returns the monthly PITI payment, front-end and back-end debt-to-income ratios (what a lender qualifies on), the income needed at a 28% front-end ratio, estimated after-tax money left over each month, the cash cushion left after closing, and a plain Comfortable / Qualifiable-tight / Stretch verdict. monthly_debts = recurring debt obligations a lender counts (car, student loan, minimum credit-card) — NOT living costs; this feeds DTI. monthly_expenses = living costs (food, utilities, childcare) used ONLY for the 'left over each month' life check, never DTI. Pass `address` to ground property tax + insurance in the ZIP's real rates. Pass `liquid_savings` to get the post-closing cash cushion (months of payment covered).

  Paramètres, retour & exemple (12)

  Paramètres

  • address · ? · optionnel
    Full US street address, or a bare 5-digit ZIP. Pass it whenever it is known: it grounds property tax, insurance and the appreciation forecast in that ZIP's real figures instead of national defaults.
  • fixed_rate · number · optionnel
    Mortgage interest rate as an annual PERCENT: 6.75 means 6.75%. Not a decimal (not 0.0675).
  • home_price · number · requis
    Purchase price in whole US dollars, e.g. 650000 (not 650 or 650k).
  • hoa_monthly · number · optionnel
    HOA or condo fee in US dollars per month. 0 for most single-family homes.
  • annual_income · number · requis
    Gross household income before tax, in whole US dollars per year, e.g. 140000.
  • monthly_debts · number · optionnel
    Recurring DEBT obligations a lender counts, in dollars per month: car payment, student loan, minimum credit-card payment. This feeds DTI. Do NOT put groceries, utilities or childcare here.
  • insurance_rate · ? · optionnel
    Annual homeowners insurance as a PERCENT of home value: 0.45 means 0.45%/yr. Leave unset to use the regional default.
  • liquid_savings · ? · optionnel
    Cash available for down payment and closing costs, in US dollars. Supplying it adds the post-closing cash cushion and the cash-limited price check.
  • down_payment_pct · number · optionnel
    Down payment as a PERCENT of price: 20 means 20%. Not a fraction (not 0.20).
  • monthly_expenses · number · optionnel
    Ordinary living costs in US dollars per month — food, utilities, childcare. Used ONLY for the 'left over each month' life check and NEVER for DTI. Keep these separate from `monthly_debts`, which is the lender-visible figure.
  • marginal_tax_rate · number · optionnel
    Marginal federal income tax rate as a PERCENT: 24 means 24%. Used only to estimate after-tax take-home for the monthly-slack figure.
  • property_tax_rate · ? · optionnel
    Annual property tax as a PERCENT of home value: 0.55 means 0.55%/yr. Leave unset to use the ZIP's real rate when `address` is given.

  Exemple d'appel

  {"name": "affordability", "arguments": {"home_price": 1, "annual_income": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• affordable_price≈ 920 tokens

  What's the most this buyer can afford? The reverse of `affordability` — 'what price can I afford?' instead of 'can I afford this specific home?'. Solves for the maximum home price under standard lender limits: a front-end DTI cap (default 28% = housing / gross income) and a back-end cap (default 36% = housing + other debts / gross income). If `liquid_savings` is given, also caps by the cash available for down payment + closing and reports which limit binds. Returns the affordable price, the PITI and DTIs at that price, and the cash to close. Pass `address` to ground property tax + insurance in the ZIP's real rates. This is a lender-limit ceiling, not a comfort recommendation — feed the result into `affordability` (or buy_vs_rent) to check monthly slack and whether buying pencils.

  Paramètres, retour & exemple (11)

  Paramètres

  • address · ? · optionnel
    Full US street address, or a bare 5-digit ZIP. Pass it whenever it is known: it grounds property tax, insurance and the appreciation forecast in that ZIP's real figures instead of national defaults.
  • fixed_rate · number · optionnel
    Mortgage interest rate as an annual PERCENT: 6.75 means 6.75%. Not a decimal (not 0.0675).
  • hoa_monthly · number · optionnel
    HOA or condo fee in US dollars per month. 0 for most single-family homes.
  • annual_income · number · requis
    Gross household income before tax, in whole US dollars per year, e.g. 140000.
  • monthly_debts · number · optionnel
    Recurring DEBT obligations a lender counts, in dollars per month: car payment, student loan, minimum credit-card payment. This feeds DTI. Do NOT put groceries, utilities or childcare here.
  • insurance_rate · ? · optionnel
    Annual homeowners insurance as a PERCENT of home value: 0.45 means 0.45%/yr. Leave unset to use the regional default.
  • liquid_savings · ? · optionnel
    Cash available for down payment and closing costs, in US dollars. Supplying it adds the post-closing cash cushion and the cash-limited price check.
  • back_end_dti_pct · number · optionnel
    Back-end DTI cap as a PERCENT: housing plus other debts, divided by gross income. The lender standard is 36. Only change it if the user names a different limit.
  • down_payment_pct · number · optionnel
    Down payment as a PERCENT of price: 20 means 20%. Not a fraction (not 0.20).
  • front_end_dti_pct · number · optionnel
    Front-end DTI cap as a PERCENT: housing cost divided by gross income. The lender standard is 28. Only change it if the user names a different limit.
  • property_tax_rate · ? · optionnel
    Annual property tax as a PERCENT of home value: 0.55 means 0.55%/yr. Leave unset to use the ZIP's real rate when `address` is given.

  Exemple d'appel

  {"name": "affordable_price", "arguments": {"annual_income": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• analyze_address≈ 344 tokens

  Look up a US address (or bare 5-digit ZIP): ZIP-level home-price appreciation forecast (FHFA data back to 1975), estimated market rent, and neighborhood signals (schools, walkability, water quality, grocery/dining/outdoors proximity). For a full street address this also returns sub-ZIP `nbhd*` fields describing the specific census tract - how its prices, incomes and build era compare to the rest of the ZIP. That is POSITION, not a neighborhood forecast; see _units. property_type: sfr | condo | townhome | multi

  Paramètres, retour & exemple (3)

  Paramètres

  • address · string · requis
    Full US street address, or a bare 5-digit ZIP. Pass it whenever it is known: it grounds property tax, insurance and the appreciation forecast in that ZIP's real figures instead of national defaults.
  • bedrooms · integer · optionnel
    Bedroom count, used to select the matching market-rent estimate for the ZIP. Defaults to 2.
  • property_type · string · optionnel
    One of: sfr (single-family), condo, townhome, multi.

  Exemple d'appel

  {"name": "analyze_address", "arguments": {"address": "texte"}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• buy_vs_rent≈ 889 tokens

  Should someone buy this home or keep renting? Runs the TerraVue engine: a deterministic 30-year simulation plus a 500-scenario Monte Carlo over correlated market paths. Returns the probability buying wins, the breakeven hold period, and net-worth outcomes. monthly_rent = what the person would pay to rent THE SAME HOME to live in — an owner-occupant buy-vs-rent decision, NOT rental income they'd collect as a landlord (this tool does not model rental cash flow; that lens lives on terravue.app). A rent far out of line with home_price is almost certainly a misunderstanding — confirm it before trusting the verdict. If `address` is given, the ZIP's real appreciation forecast and regional tax/insurance defaults are used (explicit parameters still win).

  Paramètres, retour & exemple (10)

  Paramètres

  • address · ? · optionnel
    Full US street address, or a bare 5-digit ZIP. Pass it whenever it is known: it grounds property tax, insurance and the appreciation forecast in that ZIP's real figures instead of national defaults.
  • fixed_rate · number · optionnel
    Mortgage interest rate as an annual PERCENT: 6.75 means 6.75%. Not a decimal (not 0.0675).
  • home_price · number · requis
    Purchase price in whole US dollars, e.g. 650000 (not 650 or 650k).
  • hoa_monthly · number · optionnel
    HOA or condo fee in US dollars per month. 0 for most single-family homes.
  • monthly_rent · number · requis
    What this person would pay per month, in US dollars, to rent THE SAME HOME to live in. This is an owner-occupant comparison — it is NOT rental income they would collect as a landlord.
  • analysis_years · integer · optionnel
    Hold period in years. Use the horizon the person actually stated — if they say 'about five years', pass 5. Only default to 30 when no horizon was given.
  • down_payment_pct · number · optionnel
    Down payment as a PERCENT of price: 20 means 20%. Not a fraction (not 0.20).
  • property_tax_rate · ? · optionnel
    Annual property tax as a PERCENT of home value: 0.55 means 0.55%/yr. Leave unset to use the ZIP's real rate when `address` is given.
  • home_appreciation_rate · ? · optionnel
    Annual home appreciation as a PERCENT: 3.5 means 3.5%/yr. Prefer leaving this unset and passing `address` instead, so the ZIP's FHFA-derived forecast is used rather than a guess.
  • investment_return_rate · number · optionnel
    Annual return the renter earns on invested cash, as a PERCENT: 9.5 means 9.5%/yr, roughly long-run equities. This assumption drives the result more than any other — drop it to about 4.5 if the alternative is savings rather than the market, or if the person sounds risk-averse, and present both runs.

  Exemple d'appel

  {"name": "buy_vs_rent", "arguments": {"home_price": 1, "monthly_rent": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• compare_areas≈ 332 tokens

  Analyze and RANK 2-12 ZIPs or addresses side by side on the signals TerraVue has: home-price appreciation forecast (and how each compares to the national average), school rating, walkability, education level, and water quality. Returns the correct city name per ZIP, so locations are never guessed or mislabeled. Use for "which areas have the best appreciation / schools / upside." TerraVue has no listing inventory and cannot discover ZIPs on its own — to scan a metro, pass that metro's ZIP codes (the ranking then covers exactly what you passed).

  Paramètres, retour & exemple (2)

  Paramètres

  • bedrooms · integer · optionnel
    Bedroom count, used to select the matching market-rent estimate for the ZIP. Defaults to 2.
  • addresses · array · requis
    2 to 12 US addresses or bare 5-digit ZIPs to rank side by side. TerraVue has no listing inventory and cannot discover ZIPs on its own — to scan a metro, pass that metro's ZIP codes explicitly, and the ranking covers exactly what you passed.

  Exemple d'appel

  {"name": "compare_areas", "arguments": {"addresses": []}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• request_capability≈ 295 tokens

  Record a question TerraVue could not answer, so it can be built. Call this whenever a user asks for something outside the current tools' coverage (rental metrics, Airbnb modeling, valuations, move-vs-stay, non-US, anything else), then tell the user their request was captured. Keep `description` to the capability needed — no names, emails, or other personal details. category: rental_metrics | str_airbnb | valuation | move_vs_stay | data_coverage | other

  Paramètres, retour & exemple (2)

  Paramètres

  • category · string · optionnel
    One of: rental_metrics, str_airbnb, valuation, move_vs_stay, data_coverage, other.
  • description · string · requis
    What the user asked for that TerraVue could not do, in one or two sentences. The capability only — never names, emails, addresses or other personal details.

  Exemple d'appel

  {"name": "request_capability", "arguments": {"description": "texte"}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

C'est votre serveur ?

Revendiquez-le sur l'espace créateur (preuve GitHub, domaine ou npm) pour afficher le badge « propriétaire vérifié » et lancer un pentest comportemental à la demande afin d'obtenir le badge « Vérifié ».

Créer un compte / revendiquer →

Source

https://api.terravue.app/mcp