Paragon MLS VB Calc
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
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.