long-term-rental-analyzerlisted

# long-term-rental-analyzer A thin orchestration layer over the **planfi MCP** (https://ai.planfi.app/mcp, public, no auth). All math + financial logic live server-side. This skill only gathers inputs and calls the tools — it does **not** compute anything locally, carries no business logic, math, or thresholds, and is read-only (it never changes the user's data). The server is the source of truth. This is the **long-term (buy-and-hold) rental** complement to **str-investment-analyzer** (nightly Airbnb/VRBO short-term rentals) and the **after-tax** layer over `analyze_property_return` (which is pre-tax). For an own-vs-rent decision on a primary residence, see **rent-vs-buy**. ## Step 0 — Make sure the planfi tools are connected This skill uses these tools (may be namespaced, e.g. `mcp__planfi__analyze_rental_property`): - **`analyze_rental_property`** (PRIMARY) — the after-tax buy-and-hold rental engine: year-1 Schedule E P&L + depreciation shelter and the full sale-event tax breakdown (§1250 recapture, LTCG, NIIT, or a 1031 deferral). - **`analyze_passive_losses`** — the IRC §469 passive-activity-loss planner: the $25k special allowance + MAGI phase-out, suspended-loss carryforward, real-estate-professional qualification, and total tax deferred. Use it when the Schedule E loss can't be fully deducted this year. - optional: **`analyze_property_return`** (pre-tax IRR / cash-on-cash on a specific purchase), **`analyze_rent_vs_buy`** (own-vs-rent on a primary reside