# AVnester — Indian Real Estate Intelligence (remote · mcp.avnester.com)

Indian real estate: property search, locality insights, affordability & pan-India stamp-duty tools.

- Trust score: 69/100 (medium)
- Change this week: +9
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-08-03

## Components

- remote · `mcp.avnester.com`: 69/100 (this document), [markdown](https://verifymcp.io/servers/com-avnester-mcp-property-intelligence/public-mcp.md), [page](https://verifymcp.io/servers/com-avnester-mcp-property-intelligence/public-mcp)

## Channel facts

- Endpoint: `https://mcp.avnester.com/public-mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.0`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-08-03.

- **Endpoint Security**: 80/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one.
  - HTTPS is enforced; there's no plaintext access path.
  - The HSTS (Strict-Transport-Security) header is present.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 38/100
  - 0% of prompts and resources have a non-trivial description (not blank, and not just the item's name).
  - AI-judged instruction clarity (excellent).
  - Context-footprint check failed: tool/resource definitions use about 3731 tokens (~287/item across 13 items; 11 tools + 2 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 27/100
  - Stability observed for 8 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% of tool parameters carry a description.
  - Structured output schemas are declared (100% of tools); any adoption earns full credit.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.
  - Supports UI / widget rendering.

## Install

### Claude

```bash
claude mcp add --transport http com-avnester-mcp-property-intelligence https://mcp.avnester.com/public-mcp
```

### Codex

```toml
[mcp_servers.com-avnester-mcp-property-intelligence]
url = "https://mcp.avnester.com/public-mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "com-avnester-mcp-property-intelligence": {
      "type": "remote",
      "url": "https://mcp.avnester.com/public-mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add com-avnester-mcp-property-intelligence --url https://mcp.avnester.com/public-mcp --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  com-avnester-mcp-property-intelligence:
    url: "https://mcp.avnester.com/public-mcp"
```

### Other

```json
{
  "mcpServers": {
    "com-avnester-mcp-property-intelligence": {
      "type": "http",
      "url": "https://mcp.avnester.com/public-mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-08-03 (score 69, +1)

No change was recorded against any check on this day. Stability & Change Management went from 23 to 27. That category is still filling its 30-day observation window: 7 days of observed history at the previous scan, 8 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-08-01 (score 68, +1)

No change was recorded against any check on this day. Stability & Change Management went from 17 to 20. That category is still filling its 30-day observation window: 5 days of observed history at the previous scan, 6 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-07-31 (score 67, +5)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-30 (score 62, 0)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-29 (score 62, +1)

No change was recorded against any check on this day. Stability & Change Management went from 7 to 10. That category is still filling its 30-day observation window: 2 days of observed history at the previous scan, 3 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-07-28 (score 61, +1)

No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-07-27 (score 60, 0)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-26 (score 60)

First indexed and scored.

## MCP tools (11)

### `search_properties` (~233 tokens)

Search India property listings

Search residential property listings in Coimbatore, Tamil Nadu. Use when the user names a Coimbatore locality, price band, BHK, or transaction type. Returns sanitized listing cards with handoff URLs and a per-listing verified flag; never returns seller contact details. Out-of-scope cities return supported=false + supportedCities + scopeMessage — surface the scopeMessage to the user.

Input parameters:

- `bedrooms` (integer): Number of bedrooms (BHK).
- `city` (string): Indian city name (e.g., "Bangalore", "Coimbatore"). Required for results.
- `furnishing` (string): Furnishing status (rental queries).
- `limit` (integer): Maximum number of listings to return (cap: 20). v1 abuse defense.
- `locality` (string): Locality/neighborhood within the city (e.g., "Indiranagar").
- `maxPrice` (integer): Maximum price in INR.
- `minPrice` (integer): Minimum price in INR.
- `propertyType` (string): Property type.
- `transactionType` (string): Whether to search for sale or rent.

Output parameters:

- `attribution`
- `disclaimer` (string)
- `handoffUrl` (string)
- `listings` (array)
- `message` (string)
- `scopeMessage` (string)
- `sortBy` (string)
- `supported` (boolean)
- `supportedCities` (array)
- `total` (integer)

### `get_locality_insights` (~127 tokens)

Get locality market insights

Get aggregated insights for a Coimbatore locality: avg price, supply count, demand pulse, livability/investment grade, highlights, watchouts, 12-month priceTrends, and strengthTags. Use when the user asks "what is X locality like" about a Coimbatore neighborhood. Out-of-scope cities return supported=false; surface the scopeMessage to the user. Always surface the disclaimer field when returning livability or investment grade.

Input parameters:

- `city` (string, required): Indian city (required).
- `locality` (string, required): Locality name within an Indian city.

Output parameters:

- `attribution`
- `cards` (array)
- `city` (string)
- `disclaimer` (string)
- `freshness` (object)
- `handoffUrl` (string)
- `insights` (object)
- `locality` (string)
- `message` (string)
- `scopeMessage` (string)
- `supported` (boolean)
- `supportedCities` (array)

### `compare_localities` (~147 tokens)

Compare Indian localities head-to-head

Compare 2–3 Coimbatore localities side-by-side: price trends, livability, investment grade, strengths, and watchouts. Use when the user asks "X vs Y" or "which is better between X and Y for buying/renting" about Coimbatore neighborhoods. Out-of-scope cities return supported=false; surface the scopeMessage to the user. For comparing specific LISTINGS by ID, use compare_properties instead.

Input parameters:

- `city` (string, required): Indian city covering all compared localities.
- `localities` (array, required): 2–3 localities to compare (array, not comma-separated string).
- `propertyType` (string): Property type for comparison.

Output parameters:

- `attribution`
- `cards` (array)
- `city` (string)
- `comparison` (object)
- `disclaimer` (string)
- `handoffUrl` (string)
- `localities` (array)
- `scopeMessage` (string)
- `supported` (boolean)
- `supportedCities` (array)

### `calculate_home_affordability` (~237 tokens)

Estimate home-loan EMI (calculator)

Estimate the monthly home-loan EMI / monthly payment in India — a home-loan calculator. Deterministic math; not advice or a loan-approval claim. Two modes: pass propertyValue (80% LTV assumed) OR loanAmount for a specific loan (e.g. "₹50 lakh loan"). Use for "what would my EMI be" / "monthly payment on …". The response `assumptionNote` states the basis in plain words. Always surface the disclaimer field.

Input parameters:

- `interestRatePercent` (number): Annual interest rate (percent). Defaults to current market estimate.
- `loanAmount` (integer): Loan amount in INR. Pass this when the user states a specific loan (e.g. "₹50 lakh loan") rather than a property price. Defaults to 80% of propertyValue if omitted.
- `propertyValue` (integer, required): Property value (price) in INR. When the user states a property/home price, put it here — an 80% loan is assumed unless loanAmount is also given.
- `tenureYears` (integer): Loan tenure in years. Defaults to 20.

Output parameters:

- `assumptionNote` (string)
- `assumptions` (object)
- `attribution`
- `cards` (array)
- `disclaimer` (string)
- `emi` (integer)
- `inputPropertyValue` (integer)
- `interestRatePercent` (number)
- `loanAmount` (integer)
- `tenureYears` (integer)
- `totalInterest` (integer)
- `totalPayment` (integer)

### `simulate_loan_prepayment` (~336 tokens)

Simulate home-loan prepayment (calculator)

Simulate prepaying / repaying an Indian home loan early. Pure deterministic math — no advice, no loan-approval claim. Use for "should I prepay", "early/part/lump-sum repayment", "pay extra each month", "reduce EMI or tenure", "interest saved", or foreclosure. Modes: one-time, recurring yearly, or a fixed extra every month (recurring_monthly). Compares reduce_tenure (keep EMI, finish early) vs reduce_emi (keep tenure, lower EMI). Always surface the disclaimer field.

Input parameters:

- `annualRatePercent` (number): Current annual interest rate (percent). Defaults to the indicative market rate when omitted.
- `outstandingPrincipal` (integer, required): Current outstanding home-loan principal in INR.
- `prepaymentAmount` (integer): One-time lump-sum prepayment in INR (one_time / one_time_plus_recurring* modes).
- `prepaymentMode` (string): How the prepayment is made (annual anniversary vs every month).
- `recurringAnnualAmount` (integer): Recurring yearly prepayment in INR (recurring_annual / one_time_plus_recurring modes).
- `recurringMonthlyAmount` (integer): Fixed extra paid toward principal EVERY month on top of the EMI (recurring_monthly / one_time_plus_recurring_monthly modes).
- `remainingTenureYears` (integer, required): Years left on the loan at the current EMI.
- `strategy` (string): reduce_tenure keeps the EMI and finishes early (bigger saving); reduce_emi keeps the tenure and lowers the EMI; compare_both returns both.

Output parameters:

- `annualRatePercent` (number)
- `applied` (object)
- `assumptions` (object)
- `attribution`
- `baseline` (object)
- `cards` (array)
- `disclaimer` (string)
- `outstandingPrincipal` (integer)
- `prepaymentMode` (string)
- `reduceEmi` (object)
- `reduceTenure` (object)
- `remainingTenureYears` (integer)
- `strategy` (string)

### `compare_balance_transfer` (~199 tokens)

Compare home-loan balance transfer (calculator)

Compare staying on your current home loan vs. transferring (refinancing) to a lower rate. Pure deterministic math — no advice, no loan-approval claim. Use when the user asks "should I switch lenders / transfer my loan / refinance". Returns new EMI, interest saved over the remaining tenure, switching cost, net saving, and the breakeven month. Always surface the disclaimer field.

Input parameters:

- `currentRatePercent` (number, required): Current annual interest rate (percent).
- `flatCosts` (integer): Flat legal + valuation charges in INR. Defaults to ₹12,500.
- `newRatePercent` (number, required): New lender annual interest rate (percent).
- `outstandingPrincipal` (integer, required): Current outstanding home-loan principal in INR.
- `processingFeePct` (number): New-lender processing fee on the balance (percent). Defaults to 0.5%.
- `remainingTenureYears` (integer, required): Years left on the loan.

Output parameters:

- `assumptions` (object)
- `attribution`
- `breakevenMonths` (integer|null)
- `cards` (array)
- `currentEmi` (integer)
- `currentRatePercent` (number)
- `currentTotalInterest` (integer)
- `disclaimer` (string)
- `grossInterestSaved` (integer)
- `monthlyEmiSaving` (integer)
- `netSaving` (integer)
- `newEmi` (integer)
- `newRatePercent` (number)
- `newTotalInterest` (integer)
- `outstandingPrincipal` (integer)
- `remainingTenureYears` (integer)
- `switchingCost` (integer)
- `worthIt` (boolean)

### `optimize_home_loan_tax_regime` (~609 tokens)

Optimize home-loan tax regime (calculator)

Compare a home-loan borrower's income tax under the OLD vs NEW regime (FY2026-27) and recommend which regime saves more income tax. Pure deterministic slab math — not tax advice. Use when the user asks "old or new tax regime", "home-loan tax benefit", or "section 80C / 24(b) deduction". Models §24(b) interest + §80C principal (+ joint-loan doubling); the response lists benefits it does NOT model (capital gains, HRA, etc.). Always surface the disclaimer field.

Input parameters:

- `ageBand` (string): Taxpayer age band — raises the OLD-regime basic exemption (senior 60–80 → ₹3L, super-senior 80+ → ₹5L). New regime unaffected. Defaults to below60.
- `annualIncome` (integer, required): Annual gross income in INR EXCLUDING house property (salary + other income).
- `annualRent` (integer): Annual rent received in INR — required for let_out.
- `countryOfResidence` (string): NRI only — DTAA article lookup hint. Free-form country name.
- `hasForm15CB` (boolean): NRI only — whether Form 15CB CA-attestation is already in hand.
- `holdingMonths` (integer): NRI only — holding period in months. ≤24 is STCG; >24 is LTCG.
- `homeLoanInterest` (integer, required): Annual home-loan interest paid (INR).
- `homeLoanPrincipal` (integer, required): Annual home-loan principal repaid (INR) — counts toward 80C.
- `indexedCost` (integer): NRI only — indexed cost of acquisition (LTCG). When omitted, TDS computed on full sale value.
- `isSalaried` (boolean): Whether the taxpayer is salaried (gets the standard deduction).
- `jointLoan` (boolean): Joint loan with a co-borrower — doubles the 80C/24b caps (equal-split assumption).
- `nroBalanceUsd` (number): NRI only — NRO account balance in USD equivalent for the repatriation cap math.
- `other80C` (integer): Other 80C investments in INR (PF, ELSS, insurance, etc.).
- `otherOldRegimeDeductions` (integer): Other OLD-regime-only deductions as a lump (HRA exemption, 80D, NPS 80CCD(1B), etc.).
- `propertyType` (string): Whether the property is self-occupied or let out.
- `residencyStatus` (string): Default resident. Pass nri to get §195 TDS + LRS-cap math in the response.
- `saleValue` (integer): NRI only — sale consideration in INR for §195 TDS computation.
- `ytdRemittedUsd` (number): NRI only — FY-to-date USD already remitted under the $1M cap.

Output parameters:

- `annualIncome` (integer)
- `annualSaving` (integer)
- `assumptions` (object)
- `attribution`
- `cards` (array)
- `disclaimer` (string)
- `homeLoanTaxBenefitOld` (integer)
- `jointLoan` (boolean)
- `new` (object)
- `notModeled` (array)
- `nri` (object)
- `old` (object)
- `propertyType` (string)
- `recommended` (string)
- `residencyStatus`

### `estimate_stamp_duty_and_registration` (~354 tokens)

Estimate stamp duty + registration (calculator)

Estimate Indian state stamp duty + registration charges on a property purchase. Supports all 28 states + 8 UTs with buyer-gender concessions, urban/rural overrides, and commercial/agricultural multipliers. Pass constructionStatus to also itemize GST (under-construction 1%/5%, ready/resale 0%) for an all-in statutory quote. Returns supported=false for states outside India (supported set named in rateBasis). Not legal/tax advice. Always surface the disclaimer.

Input parameters:

- `buyerGender` (string): Buyer gender — overrides isWomanBuyer when set. "joint" = man+woman jointly owned.
- `carpetAreaSqft` (integer): Carpet area (sqft) — with value, decides the affordable-housing 1% GST slab.
- `constructionStatus` (string): When set, also itemizes GST: under-construction = 1% (affordable) / 5%; ready/resale = 0%. Omit → GST not computed.
- `isUrban` (boolean): Whether property is in an urban/metro area — gates metro-cess surcharges (e.g., Mumbai LBT, BBMP cess).
- `isWomanBuyer` (boolean): Backward-compatibility shim — prefer buyerGender. When true, internally treated as buyerGender="female".
- `propertyType` (string): Property type — applies state-specific multiplier (commercial/agricultural).
- `propertyValue` (integer, required): Sale value in INR for stamp-duty calculation.
- `state` (string): Indian state — accepts ISO code ("MH"), URL slug ("maharashtra"), or display name ("Maharashtra"). All 28 states + 8 UTs supported.

Output parameters:

- `attribution`
- `cards` (array)
- `disclaimer` (string)
- `gst` (object)
- `propertyValue` (integer)
- `rateBasis` (string)
- `rateEffectiveDate` (string)
- `registrationFee` (integer)
- `stampDuty` (integer)
- `state` (string)
- `supported` (boolean)
- `total` (integer)
- `totalWithGst` (integer)

### `get_property_details` (~160 tokens)

Get one AVnester property by ID

Fetch full public details for one AVnester listing by its listingId. Get the listingId from search_properties results first (the `listingId` field) — IDs are not guessable, so this tool is the natural follow-up to a search. AVnester's catalog is currently Coimbatore-only; unknown or unpublished IDs return { listing: null, notFound: true } (never throws, to avoid leaking existence). Use when the user references a specific listing. Read-only, no side effects.

Input parameters:

- `listingId` (string, required): AVnester listingId, as returned in search_properties results (the `listingId` field). IDs are not guessable — call search_properties first. Also the trailing segment of a listing sourceUrl.

Output parameters:

- `attribution`
- `cards` (array)
- `disclaimer` (string)
- `handoffUrl` (string)
- `listing` (object|null)
- `message` (string)
- `notFound` (boolean)
- `trust` (object)

### `compare_properties` (~168 tokens)

Compare AVnester properties (trade-offs)

Compare 2–5 AVnester listings by listingId, side-by-side. Get IDs from search_properties first (not guessable). If the user has more than 5 candidates ("compare all"), pick the most relevant 5 (cheapest / largest / best price-per-sqft) and say so. Returns each listing plus pricePerSqft, vsCheapestPercent (0 = cheapest), vsLargestAreaPercent (0 = largest). Coimbatore-only; unknown IDs return not_found_or_unpublished. Does NOT recommend a purchase. Always surface the disclaimer field.

Input parameters:

- `listingIds` (array, required): 2–5 AVnester listingIds (from search_properties results) to compare. IDs are not guessable — call search_properties first. Order is preserved in the output.

Output parameters:

- `attribution`
- `cards` (array)
- `comparison` (array)
- `disclaimer` (string)
- `framing` (string)
- `message` (string)

### `get_property_decision_intelligence` (~630 tokens)

Home purchase decision intelligence

Assess whether a buyer can afford a specific Indian home — ONE verdict (AFFORDABLE / STRETCH / NOT_YET / INELIGIBLE) combining indicative eligibility (FOIR/LTV/CIBIL), EMI, true cash-to-close (down payment + stamp duty + registration + itemized GST), regime-aware tax, and an indicative lender-fit triage. Mode A: listingId (Coimbatore catalog). Mode B: propertyValue + state (any Indian state). NOT a loan approval, offer, or advice. Always surface the disclaimer.

Input parameters:

- `annualIncomeForTax` (integer): Annual income for tax. Defaults to monthlyNetIncome × 12.
- `annualRent` (integer): Annual rent received (let-out).
- `assetType` (string): "home" (flat/villa/house) or "plot" (bare land); manual mode only. Plot → shorter tenure, no home-loan tax benefit.
- `buyerGender` (string): Buyer gender — affects stamp duty in states with a women concession.
- `carpetAreaSqft` (integer): Carpet area (sqft) — sharpens the affordable-housing GST test (with the ₹45L value cap).
- `cibilScore` (integer): Numeric CIBIL score. Omit → eligibility stays indicative.
- `coApplicantMonthlyIncome` (integer): Co-applicant monthly income (joint affordability).
- `employmentType` (string): Employment type (affects tax standard deduction).
- `existingMonthlyEmis` (integer): Existing monthly loan EMIs in ₹ (car/personal/cards). Omitted → assumed ₹0, which can inflate eligibility and flip the verdict — ask the buyer.
- `interestRatePercent` (number): Override annual interest rate. Defaults to indicative market rate.
- `isUnderConstruction` (boolean): Under-construction → GST applies; ready-to-move → no GST. Omitted → ready-to-move (no GST).
- `isUrban` (boolean): Urban/metro — gates metro-cess surcharges in stamp duty.
- `jointLoan` (boolean): Joint home loan — doubles 80C/24b caps (equal split).
- `listingId` (string): AVnester listingId (Coimbatore catalog). Listing mode — do NOT also pass propertyValue (rejected) or state (ignored).
- `monthlyNetIncome` (integer, required): Buyer monthly take-home income in INR.
- `occupancyIntent` (string): Self-occupied vs let-out — changes §24(b) interest treatment. Omitted → self-occupied.
- `propertyValue` (integer): Property price in INR (manual mode). Pass with state; not with listingId.
- `residencyStatus` (string): Residency status.
- `savingsAvailable` (integer): Liquid cash for down payment + charges — enables the cash-gap calc.
- `state` (string): Indian state (ISO "MH"/slug/name) for stamp duty. Required in manual mode; ignored in listing mode.
- `tenureYears` (integer): Loan tenure in years. Defaults to 20.

Output parameters:

- `affordability` (object)
- `assetType` (string)
- `assumptions` (object)
- `attribution`
- `cards` (array)
- `disclaimer` (string)
- `eligibility` (object)
- `emi` (object)
- `lenderFit` (object)
- `mode` (string)
- `notFound` (boolean)
- `stampDutySupported` (boolean)
- `tax` (object)
- `trust` (object)
- `verdict` (object)
- `warnings` (array)

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/com-avnester-mcp-property-intelligence/public-mcp#diagnostics

## Score history

- 2026-08-03: 69
- 2026-08-02: 68
- 2026-08-01: 68
- 2026-07-31: 67
- 2026-07-30: 62
- 2026-07-29: 62
- 2026-07-28: 61
- 2026-07-27: 60
- 2026-07-26: 60

## Links

- Remote endpoint: https://mcp.avnester.com/public-mcp
- Changelog RSS feed: https://verifymcp.io/servers/com-avnester-mcp-property-intelligence/public-mcp/changelog.xml
- Changelog JSON feed: https://verifymcp.io/servers/com-avnester-mcp-property-intelligence/public-mcp/changelog.json
- HTML version of this page: https://verifymcp.io/servers/com-avnester-mcp-property-intelligence/public-mcp