rent-vs-buylisted

# Rent vs Buy A thin orchestration layer over the **planfi MCP** (https://ai.planfi.app/mcp, public, no auth). 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: ``` claude mcp add --transport http planfi https://ai.planfi.app/mcp ``` (On claude.ai: add a custom connector pointing at https://ai.planfi.app/mcp — no auth.) ## Step 1 — Gather inputs **Core scenario:** - **Home*