{"name":"app.terravue/terravue","slug":"terravue","title":"TerraVue","description":"Analyze any US home: buy vs rent Monte Carlo, affordability, and ZIP-level appreciation data.","url":"https://mcp.market/server/terravue","rating":null,"grade":"C","score":60,"certified":false,"status":"active","category":"other","tags":[],"presence":{"score":8,"stars":null,"forks":null,"downloads_week":null,"last_push_at":null,"license":null},"uptime":{"percent":100,"checks":3,"ok":3,"last_checked_at":"2026-09-21T03:45:42.080Z","last_ok_at":"2026-09-21T03:45:42.080Z","latency_ms":397},"claimed":false,"transport":"remote","callable_via_gateway":true,"default_price_micros":0,"repository":null,"website":"https://www.terravue.app","version":"1.0.0","remotes":[{"type":"streamable-http","url":"https://api.terravue.app/mcp"}],"packages":[],"tools":[{"name":"affordability","description":"Can this buyer afford this home? Returns the monthly PITI payment, front-end and\n    back-end debt-to-income ratios (what a lender qualifies on), the income needed at a\n    28% front-end ratio, estimated after-tax money left over each month, the cash cushion\n    left after closing, and a plain Comfortable / Qualifiable-tight / Stretch verdict.\n\n    monthly_debts = recurring debt obligations a lender counts (car, student loan, minimum\n    credit-card) — NOT living costs; this feeds DTI. monthly_expenses = living costs (food,\n    utilities, childcare) used ONLY for the 'left over each month' life check, never DTI.\n    Pass `address` to ground property tax + insurance in the ZIP's real rates. Pass\n    `liquid_savings` to get the post-closing cash cushion (months of payment covered).\n    ","write_action":false,"price_micros":0,"input_schema":{"type":"object","properties":{"home_price":{"title":"Home Price","type":"number"},"annual_income":{"title":"Annual Income","type":"number"},"address":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"title":"Address"},"down_payment_pct":{"default":20,"title":"Down Payment Pct","type":"number"},"fixed_rate":{"default":6.75,"title":"Fixed Rate","type":"number"},"hoa_monthly":{"default":0,"title":"Hoa Monthly","type":"number"},"monthly_debts":{"default":0,"title":"Monthly Debts","type":"number"},"monthly_expenses":{"default":0,"title":"Monthly Expenses","type":"number"},"liquid_savings":{"anyOf":[{"type":"number"},{"type":"null"}],"default":null,"title":"Liquid Savings"},"marginal_tax_rate":{"default":24,"title":"Marginal Tax Rate","type":"number"},"property_tax_rate":{"anyOf":[{"type":"number"},{"type":"null"}],"default":null,"title":"Property Tax Rate"},"insurance_rate":{"anyOf":[{"type":"number"},{"type":"null"}],"default":null,"title":"Insurance Rate"}},"required":["home_price","annual_income"],"title":"affordabilityArguments"}},{"name":"affordable_price","description":"What's the most this buyer can afford? The reverse of `affordability` — 'what price\n    can I afford?' instead of 'can I afford this specific home?'. Solves for the maximum\n    home price under standard lender limits: a front-end DTI cap (default 28% = housing /\n    gross income) and a back-end cap (default 36% = housing + other debts / gross income).\n    If `liquid_savings` is given, also caps by the cash available for down payment + closing\n    and reports which limit binds. Returns the affordable price, the PITI and DTIs at that\n    price, and the cash to close. Pass `address` to ground property tax + insurance in the\n    ZIP's real rates.\n\n    This is a lender-limit ceiling, not a comfort recommendation — feed the result into\n    `affordability` (or buy_vs_rent) to check monthly slack and whether buying pencils.\n    ","write_action":false,"price_micros":0,"input_schema":{"type":"object","properties":{"annual_income":{"title":"Annual Income","type":"number"},"address":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"title":"Address"},"down_payment_pct":{"default":20,"title":"Down Payment Pct","type":"number"},"fixed_rate":{"default":6.75,"title":"Fixed Rate","type":"number"},"hoa_monthly":{"default":0,"title":"Hoa Monthly","type":"number"},"monthly_debts":{"default":0,"title":"Monthly Debts","type":"number"},"liquid_savings":{"anyOf":[{"type":"number"},{"type":"null"}],"default":null,"title":"Liquid Savings"},"front_end_dti_pct":{"default":28,"title":"Front End Dti Pct","type":"number"},"back_end_dti_pct":{"default":36,"title":"Back End Dti Pct","type":"number"},"property_tax_rate":{"anyOf":[{"type":"number"},{"type":"null"}],"default":null,"title":"Property Tax Rate"},"insurance_rate":{"anyOf":[{"type":"number"},{"type":"null"}],"default":null,"title":"Insurance Rate"}},"required":["annual_income"],"title":"affordable_priceArguments"}},{"name":"analyze_address","description":"Look up a US address (or bare 5-digit ZIP): ZIP-level home-price appreciation\n    forecast (FHFA data back to 1975), estimated market rent, and neighborhood signals\n    (schools, walkability, water quality, grocery/dining/outdoors proximity).\n\n    For a full street address this also returns sub-ZIP `nbhd*` fields describing the\n    specific census tract - how its prices, incomes and build era compare to the rest of\n    the ZIP. That is POSITION, not a neighborhood forecast; see _units.\n\n    property_type: sfr | condo | townhome | multi\n    ","write_action":false,"price_micros":0,"input_schema":{"type":"object","properties":{"address":{"title":"Address","type":"string"},"bedrooms":{"default":2,"title":"Bedrooms","type":"integer"},"property_type":{"default":"sfr","title":"Property Type","type":"string"}},"required":["address"],"title":"analyze_addressArguments"}},{"name":"buy_vs_rent","description":"Should someone buy this home or keep renting? Runs the TerraVue engine: a\n    deterministic 30-year simulation plus a 500-scenario Monte Carlo over correlated\n    market paths. Returns the probability buying wins, the breakeven hold period, and\n    net-worth outcomes.\n\n    monthly_rent = what the person would pay to rent THE SAME HOME to live in — an\n    owner-occupant buy-vs-rent decision, NOT rental income they'd collect as a landlord\n    (this tool does not model rental cash flow; that lens lives on terravue.app). A rent\n    far out of line with home_price is almost certainly a misunderstanding — confirm it\n    before trusting the verdict. If `address` is given, the ZIP's real appreciation forecast\n    and regional tax/insurance defaults are used (explicit parameters still win).\n    ","write_action":true,"price_micros":0,"input_schema":{"type":"object","properties":{"home_price":{"title":"Home Price","type":"number"},"monthly_rent":{"title":"Monthly Rent","type":"number"},"address":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"title":"Address"},"down_payment_pct":{"default":20,"title":"Down Payment Pct","type":"number"},"fixed_rate":{"default":6.75,"title":"Fixed Rate","type":"number"},"analysis_years":{"default":30,"title":"Analysis Years","type":"integer"},"hoa_monthly":{"default":0,"title":"Hoa Monthly","type":"number"},"property_tax_rate":{"anyOf":[{"type":"number"},{"type":"null"}],"default":null,"title":"Property Tax Rate"},"home_appreciation_rate":{"anyOf":[{"type":"number"},{"type":"null"}],"default":null,"title":"Home Appreciation Rate"},"investment_return_rate":{"default":9.5,"title":"Investment Return Rate","type":"number"}},"required":["home_price","monthly_rent"],"title":"buy_vs_rentArguments"}},{"name":"compare_areas","description":"Analyze and RANK 2-12 ZIPs or addresses side by side on the signals TerraVue has:\n    home-price appreciation forecast (and how each compares to the national average),\n    school rating, walkability, education level, and water quality. Returns the correct\n    city name per ZIP, so locations are never guessed or mislabeled.\n\n    Use for \"which areas have the best appreciation / schools / upside.\" TerraVue has no\n    listing inventory and cannot discover ZIPs on its own — to scan a metro, pass that\n    metro's ZIP codes (the ranking then covers exactly what you passed).\n    ","write_action":false,"price_micros":0,"input_schema":{"type":"object","properties":{"addresses":{"items":{"type":"string"},"title":"Addresses","type":"array"},"bedrooms":{"default":2,"title":"Bedrooms","type":"integer"}},"required":["addresses"],"title":"compare_areasArguments"}},{"name":"request_capability","description":"Record a question TerraVue could not answer, so it can be built. Call this whenever\n    a user asks for something outside the current tools' coverage (rental metrics, Airbnb\n    modeling, valuations, move-vs-stay, non-US, anything else), then tell the user their\n    request was captured. Keep `description` to the capability needed — no names, emails,\n    or other personal details.\n\n    category: rental_metrics | str_airbnb | valuation | move_vs_stay | data_coverage | other\n    ","write_action":false,"price_micros":0,"input_schema":{"type":"object","properties":{"description":{"title":"Description","type":"string"},"category":{"default":"other","title":"Category","type":"string"}},"required":["description"],"title":"request_capabilityArguments"}}],"scan":{"score":60,"grade":"C","scanned_at":"2026-09-20T16:15:50.024Z","report":{"scannerVersion":"0.1.9","scannedAt":"2026-09-20T16:15:49.967Z","components":{"code":{"score":-1,"max":25,"notes":["remote-only server, no package to scan"]},"reliability":{"score":20,"max":20,"notes":["remote reachable in 823ms"]},"poisoning":{"score":15,"max":15,"notes":["6 tool descriptions checked"]},"auth":{"score":3,"max":15,"notes":["open endpoint exposes 1 write-action tools with no auth"]},"maintenance":{"score":3,"max":15,"notes":["no repository listed"]},"identity":{"score":4,"max":10,"notes":["verified namespace with website, no repo"]}},"findings":[{"id":"auth.open-write","severity":"high","component":"auth","title":"Write-action tools reachable without authentication"},{"id":"maint.no-repo","severity":"low","component":"maintenance","title":"No source repository listed"}],"inputs":{"probes":[{"url":"https://api.terravue.app/mcp","reachable":true,"authRequired":false,"latencyMs":823,"serverInfo":{"name":"terravue","version":"1.30.0"}}],"packages":[],"repo":{"found":false},"icon":{"url":"https://www.terravue.app/terravue-icon.png","source":"registry","width":512,"height":512},"presence":{"stars":null,"forks":null,"downloadsWeek":null,"license":null,"lastPushAt":null,"score":8}}}},"grade_history":[],"reviews":[]}