Rent vs Buy

A thin orchestration layer over the planfi MCP (https://ai.planfi.app/mcp/free). All math lives server-side — the simulation runs in nominal dollars internally (so a fixed-rate mortgage P&I is correctly held flat in nominal terms and erodes in real terms), then deflates every output back to today's (real) dollars. This skill only gathers inputs and calls the tools — it does not compute anything locally. Read-only; it never changes the user's data.

Step 0 — Make sure the planfi tools are connected

This skill uses these tools (may be namespaced, e.g. mcp__planfi__analyze_rent_vs_buy):

• analyze_rent_vs_buy (PRIMARY) — the full rent-vs-buy engine.
• optional: analyze_property_return (return on a specific property purchase), forecast_str_market (if they're weighing a short-term rental), generate_financial_plan (to derive household tax context and get a plan_id).
• analyze_home_equity — model tapping existing equity (HELOC revolving draw/repay, cash-out refi, or reverse mortgage) instead of selling.

Use whichever name your environment exposes (bare or mcp__planfi__-prefixed); below they are written bare. If they're NOT available, tell the user to connect the MCP, then continue: