WARNING: For educational and research purposes only. Does not constitute financial or investment advice. Always consult licensed real estate professionals.
Analysis Date: [DATE] Purchase Price: $[X] Location: [CITY, STATE] (if provided)
Quick Numbers
| Metric | Value |
|---|---|
| Purchase Price | $[X] |
| Down payment (20%) | $[X] |
| Loan Amount | $[X] |
| Rate (30-Year Fixed) | [X]% |
| Monthly Payment (Principal and Interest) | $[X] |
| Monthly Total (PITI) | $[X] |
| Total Interest (30 years) | $[X] |
| Cash to Close | $[X] |
1. Current Rate Environment
[Summary of current rates and trends]
2. Loan Scenario Comparison
[Complete comparison table: 30-year, 15-year, adjustable rate, FHA, VA, Investor]
3. Payment Breakdown
30-Year Fixed (Main Scenario)
[Monthly payment breakdown including principal and interest, taxes, insurance, PMI, HOA]
Other Scenarios
[Summary for each alternative]
4. Amortization Highlights
[Table showing milestones in Year 1, 5, 10, 15, 30] [Crossover point between interest and principal]
5. Affordability Analysis
[DTI ratios, maximum purchase price table, required reserves] (Only if income is provided)
6. Rent vs. Buy
[Monthly cost comparison, break-even point, 5-year net worth comparison]
7. Refinance Analysis
[Break-even calculator, decision matrix] (Only if refinancing scenario is provided)
8. Tax Implications
[Estimated mortgage interest deduction, property tax deduction, standard vs. itemized]
9. Key Considerations
- [Rate lock period]
- [Decision between points or no points]
- [PMI removal strategy]
- [Impact of extra payments]
- [Biweekly payment option]
10. Conclusion
[2–3 sentences: What’s the best loan option for this buyer? What are the main trade-offs?]
WARNING: For educational and research purposes only. This does not constitute financial or investment advice. Always consult licensed real estate professionals. Rates, payments, and affordability calculations are estimates. Actual terms will vary based on the lender, credit profile, and market conditions.
Quality Rules
- Use current rates — Always look up today's rates. Outdated rates produce incorrect numbers.
- Include all costs — PITI + PMI + HOA = actual monthly cost. Never cite only Principal and Interest as "the payment".
- Location matters — Property tax rates range from 0.3% (Hawaii) to 2.5%+ (New Jersey). Use local rates.
- Round appropriately — Monthly payments to the nearest dollar, rates to the nearest 0.125%.
- Show the calculation — Financing math should be transparent and reproducible.
- Conservative affordability — Use the 28/36 rule as the baseline, not the maximum a lender would approve.
- Acknowledge rate volatility — Note that rates change daily and these are estimates.
- No emojis — Use text-based formatting only.
--- skills/realestate-compare/SKILL.md ---
name: realestate-compare description: Side-by-Side Property Comparison — takes two addresses and compares price, specs, rental income, neighborhood, and investment potential, with a category winner and overall recommendation version: 1.0.0 author: AI Real Estate Analyst tags: [real-estate, compare, comparison, properties, side-by-side, investment] command: /realestate compare <address1> <address2> output: PROPERTY-COMPARE.md