dealcheck: US property deal-check MCP Server

Public-record due-diligence facts for a US residential address. Any US address: FEMA flood zone at the geocoded point, HUD FY2026 Small Area FMR (or area FMR) by bedrooms, and a property-tax estimate: official rates in Nashville (Metro rate), Denver (levy by tax district), Chicago (Cook County tax code) and Maricopa County cities (tax area code), elsewhere a rough county-level estimate from Census ACS, labeled as such. Full parcel-level coverage (zoning district, overlays, STR permit eligibility for owner-occupied vs non-owner-occupied, caps, existing STR permits/licenses) only in Nashville/Davidson County TN, Denver CO, Scottsdale AZ, Chicago IL (building size, Prohibited Buildings List, Restricted Residential Zones), and Boise ID (City of Boise and unincorporated Ada County; zoning district plus Idaho Code 67-6539 state STR rules). New York City (city-wide rules plus a per-building Prohibited Buildings List and registration check by BIN) and Austin TX (city-wide rules plus a per-parcel full/limited-purpose/ETJ check) are also covered, as are Phoenix, Mesa, Tempe, and Tucson (city limits) AZ (city-wide rules); str.granularity says which. Elsewhere zoning/STR return not_covered. Every value carries a source and as-of date. HOA/deed restrictions are not checked. Informational only; not legal/tax/insurance/lending advice. Same tool as nashville_deal_check. Status values. Top-level status: ok = every evaluated section answered; needs_review = partial answer, at least one section needs a person or a retry (read each section's status and the warnings); unavailable = no section could be answered (address not found, or every source failed); out_of_scope = no evaluated section applies at this address. Section status uses the same words plus not_covered (this area is not evaluated). str.status follows the two permit determinations: new_non_owner_occupied_permit.value (allowed, not_allowed, needs_review, out_of_scope, not_covered, unavailable) and owner_occupied_permit.value (possible, not_allowed, needs_review, out_of_scope, not_covered, unavailable). Both firm = ok, one firm and one not = needs_review, none usable = unavailable. Exception: an owner_occupied_permit of possible that rests only on an active city STR license (owner_occupied_permit.basis.kind active_city_license, Denver and Scottsdale) is not a firm yes, so str.status stays needs_review there. str.supporting_data_status appears when side lookups such as permit counts or building lists were incomplete.

Same public-record answer as ziplot_deal_check for a US address, plus a `deal` block: illustrative arithmetic on the inputs you give (monthly payment, monthly cash flow, NOI, cap rate, cash-on-cash, DSCR), with every input, its source (caller, default or deal-check), each assumption and each formula shown. price is required. rent defaults to the HUD Small Area FMR from deal-check and tax to the deal-check property-tax estimate at your price; rate and insurance have no default and their results are null until given. Defaults: 30-year term, 25% down, 3% closing costs, HOA 0, vacancy 8%, management 8% (an assumption; set 0 if you self-manage), maintenance 5%. Informational arithmetic on the inputs shown. Not financial, tax or legal advice. Status values. Top-level status: ok = every evaluated section answered; needs_review = partial answer, at least one section needs a person or a retry (read each section's status and the warnings); unavailable = no section could be answered (address not found, or every source failed); out_of_scope = no evaluated section applies at this address. Section status uses the same words plus not_covered (this area is not evaluated). str.status follows the two permit determinations: new_non_owner_occupied_permit.value (allowed, not_allowed, needs_review, out_of_scope, not_covered, unavailable) and owner_occupied_permit.value (possible, not_allowed, needs_review, out_of_scope, not_covered, unavailable). Both firm = ok, one firm and one not = needs_review, none usable = unavailable. Exception: an owner_occupied_permit of possible that rests only on an active city STR license (owner_occupied_permit.basis.kind active_city_license, Denver and Scottsdale) is not a firm yes, so str.status stays needs_review there. str.supporting_data_status appears when side lookups such as permit counts or building lists were incomplete.

Deprecated: use ziplot_deal_check. Public-record due-diligence facts for a US residential address. Any US address: FEMA flood zone at the geocoded point, HUD FY2026 Small Area FMR (or area FMR) by bedrooms, and a property-tax estimate: official rates in Nashville (Metro rate), Denver (levy by tax district), Chicago (Cook County tax code) and Maricopa County cities (tax area code), elsewhere a rough county-level estimate from Census ACS, labeled as such. Full parcel-level coverage (zoning district, overlays, STR permit eligibility for owner-occupied vs non-owner-occupied, caps, existing STR permits/licenses) only in Nashville/Davidson County TN, Denver CO, Scottsdale AZ, Chicago IL (building size, Prohibited Buildings List, Restricted Residential Zones), and Boise ID (City of Boise and unincorporated Ada County; zoning district plus Idaho Code 67-6539 state STR rules). New York City (city-wide rules plus a per-building Prohibited Buildings List and registration check by BIN) and Austin TX (city-wide rules plus a per-parcel full/limited-purpose/ETJ check) are also covered, as are Phoenix, Mesa, Tempe, and Tucson (city limits) AZ (city-wide rules); str.granularity says which. Elsewhere zoning/STR return not_covered. Every value carries a source and as-of date. HOA/deed restrictions are not checked. Informational only; not legal/tax/insurance/lending advice. Ziplot tool (original name kept for compatibility; ziplot_deal_check is the same tool). Status values. Top-level status: ok = every evaluated section answered; needs_review = partial answer, at least one section needs a person or a retry (read each section's status and the warnings); unavailable = no section could be answered (address not found, or every source failed); out_of_scope = no evaluated section applies at this address. Section status uses the same words plus not_covered (this area is not evaluated). str.status follows the two permit determinations: new_non_owner_occupied_permit.value (allowed, not_allowed, needs_review, out_of_scope, not_covered, unavailable) and owner_occupied_permit.value (possible, not_allowed, needs_review, out_of_scope, not_covered, unavailable). Both firm = ok, one firm and one not = needs_review, none usable = unavailable. Exception: an owner_occupied_permit of possible that rests only on an active city STR license (owner_occupied_permit.basis.kind active_city_license, Denver and Scottsdale) is not a firm yes, so str.status stays needs_review there. str.supporting_data_status appears when side lookups such as permit counts or building lists were incomplete.