Paragon MLS VB Calc

Compare amortized debt, extra payments, chunking/basic acceleration, and advanced velocity banking for a real estate deal. Use when deciding whether chunking or advanced VB makes sense for a property.

Use the paragon-mls.vb_calc MCP tool to compare debt payoff strategies for a deal.

This skill is for deciding whether standard amortization, extra payments, chunking/basic acceleration, or advanced velocity banking makes the most sense.

Typical use

• compare plain amortization versus aggressive payoff strategies
• test whether chunking actually improves the deal
• estimate interest savings and payoff time before using a HELOC or VB workflow
• pair with Four-Square outputs from the analyze-deal skill

Example

bash

mcporter call paragon-mls.vb_calc debtBalance:350000 interestRate:0.05 loanTermYears:30 monthlyIncome:8000 monthlyExpenses:4878.875681 extraPayment:1000

Inputs

• debtBalance
• interestRate
• loanTermYears
• extraPayment
• monthlyIncome
• monthlyExpenses
• helocRate
• advancedRate
• helocLimit
• chunkMonths

Output shape

Returns a comparison table plus JSON for:

• amortized debt
• amortized debt with extra payments
• debt with basic acceleration
• advanced debt acceleration
• savings versus baseline
• a recommendation on whether chunking or advanced VB makes sense

Notes

• This is a decision tool, not lending advice.
• Use actual income and expense numbers from the target property or operator budget, otherwise the recommendation will be noisy.