# calcular_roi_imobiliario Calcula o retorno sobre investimento imobiliário (yield de aluguel). Yield Bruto = (aluguel × 12) / valorImóvel × 100. Yield Líquido = (receita líquida anual) / valorImóvel × 100 — descontando vacância e custos. Spread vs CDI/Selic: diferença em pontos percentuais entre o yield líquido e a taxa comparativa. Retorno Total = yield líquido + valorização estimada. Payback = anos para recuperar o investimento pela renda de aluguel. Veredicto: "bom" (spread > 2pp), "neutro" (spread entre −2pp e +2pp) ou "ruim" (spread < −2pp). Agent View of the PolicyLayer registry record for `calcular_roi_imobiliario`. HTML page: https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-roi-imobiliario ## Facts - Tool: `calcular_roi_imobiliario` - Server: Contaí — Calculadoras Fiscais Brasileiras (`@contai-evoluke/mcp-server`) — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server.md - Install: `npx -y @contai-evoluke/mcp-server` - Homepage: https://github.com/lfhillesheim/calculadora - Risk category: Read (Low risk) - Registry record: grade B, identity unverified - Server rate-limited: no - Parameters: 9 (2 required) - Recommended policy verdict: Allowed ## Parameters | Parameter | Type | Required | Description | | --- | --- | --- | --- | | `vacanciaPercent` | number | no | Percentual de vacância estimado: tempo em que o imóvel fica desocupado (0 a 100). Reduz a receita efetiva. Default: 5% (≈ 18 dias por ano). Ex: 8 = 8% de vacânc | | `valorImovelCents` | integer | yes | Valor de mercado atual do imóvel em centavos. Ex: R$ 300.000 → 30000000 | | `aluguelMensalCents` | integer | yes | Valor do aluguel mensal cobrado (ou estimado) em centavos. Ex: R$ 2.000 → 200000 | | `custosMensaisCents` | integer | no | Custos mensais de manutenção do imóvel em centavos: IPTU + condomínio + reparos + seguro. Deduções da receita de aluguel. Default: 0. Ex: R$ 500/mês → 50000 | | `custosTransacaoCompra` | array | no | Custos one-shot de transação na compra (ITBI, escritura, MIP/DFI, corretagem etc.) categorizados. Cada item: { categoria, valorCents, descricao? }. Categorias: | | `irSobreAluguelPercent` | number | no | Alíquota de IR (%) sobre aluguel recebido — modelo simplificado de Carnê-Leão (faixas 0–27,5%). Quando informado, deduz IR da receita efetiva antes do yield líq | | `taxaComparativaAnualPercent` | number | no | Taxa de referência para comparação do yield imobiliário em % ao ano. Normalmente a Selic ou CDI. Default: 13% a.a. (Selic referência 2026). Ex: 10.75 = 10,75% a | | `taxaValorizacaoAnualPercent` | number | no | Taxa anual esperada de valorização do imóvel em % ao ano. Default: 0. Ex: 4.0 = 4% a.a. de valorização do imóvel | | `reformasExtraordinariasAnuaisCents` | integer | no | Média anual de reformas/manutenções pesadas em centavos (telhado, pintura geral, troca de instalações). NÃO confundir com custos mensais. Ex: R$ 6.000/ano → 600 | Parameters from the server's own tool schema. ## Example call (MCP tools/call, JSON-RPC 2.0) ```json { "jsonrpc": "2.0", "id": 1, "method": "tools/call", "params": { "name": "calcular_roi_imobiliario", "arguments": { "valorImovelCents": 0, "aluguelMensalCents": 0 } } } ``` ## Why calcular_roi_imobiliario is rated Low This is a pure calculation/analysis tool that takes financial inputs and produces informational outputs. It retrieves no data from external systems, creates no records, executes no code or commands, and commits no financial obligations. The verdict classifications ('bom', 'neutro', 'ruim') are derived recommendations, not actions. From the tool's own definition: "Tool performs calculations based on provided financial parameters (rental income, property value, vacancy, costs, comparative rates) and returns computed metrics (ROI, yield, payback period)." Risk signals: High parameter count (12 properties) ## Use case AI agents call calcular_roi_imobiliario to retrieve information from Contaí — Calculadoras Fiscais Brasileiras without modifying anything. It is typically the context-gathering step in research, monitoring, and reporting workflows, before the agent takes action elsewhere. ## Recommended policy (PolicyLayer) Verdict: **Allowed**. Enforced by the PolicyLayer MCP gateway (https://policylayer.com/mcp-gateway) before a call reaches Contaí — Calculadoras Fiscais Brasileiras: ```json { "version": "1", "default": "deny", "tools": { "calcular_roi_imobiliario": {} } } ``` ## Other tools on Contaí — Calculadoras Fiscais Brasileiras (138) - `calcular_mensalidade_planejador` — Financial — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-mensalidade-planejador.md - `buscar_lei` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/buscar-lei.md - `calcular_13o_salario` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-13o-salario.md - `calcular_acao_trabalhista` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-acao-trabalhista.md - `calcular_adicional_noturno` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-adicional-noturno.md - `calcular_alocador_50_30_20` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-alocador-50-30-20.md - `calcular_aluguel_reajuste` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-aluguel-reajuste.md - `calcular_aluguel_vs_compra_imovel` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-aluguel-vs-compra-imovel.md - `calcular_auditoria_beneficios_trabalhistas` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-auditoria-beneficios-trabalhistas.md - `calcular_auxilio_doenca` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-auxilio-doenca.md - `calcular_aviso_previo` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-aviso-previo.md - `calcular_banco_de_horas` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-banco-de-horas.md - `calcular_bdr_vs_etf_vs_acao_direta` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-bdr-vs-etf-vs-acao-direta.md - `calcular_bola_de_neve_dividas` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-bola-de-neve-dividas.md - `calcular_bolsa_estagio` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-bolsa-estagio.md - `calcular_calculadora_gestacional` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-calculadora-gestacional.md - `calcular_calculadora_milhas_passagem` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-calculadora-milhas-passagem.md - `calcular_calorias_macros` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-calorias-macros.md - `calcular_capital_de_giro_necessario` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-capital-de-giro-necessario.md - `calcular_carne_leao` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-carne-leao.md - `calcular_cartao_credito_cashback_anuidade` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-cartao-credito-cashback-anuidade.md - `calcular_cdb_vs_lci_vs_tesouro_vs_poupanca` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-cdb-vs-lci-vs-tesouro-vs-poupanca.md - `calcular_comparador_regime_tributario` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-comparador-regime-tributario.md - `calcular_consorcio_credito_empresarial` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-consorcio-credito-empresarial.md - `calcular_consorcio_vs_financiamento` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-consorcio-vs-financiamento.md - `calcular_consultoria_pj_saude_financeira` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-consultoria-pj-saude-financeira.md - `calcular_consumo_agua` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-consumo-agua.md - `calcular_conversao_moedas_iof` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-conversao-moedas-iof.md - `calcular_credito_pj_comparador` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-credito-pj-comparador.md - `calcular_custo_efetivo_total` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-custo-efetivo-total.md - …and 108 more: https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server.md ## For agents This record is a snapshot. Live verdicts and the full registry: - Check every server in your MCP config at once: `npx -y policylayer stack` - Vet a server before you add it: install the mcp-precheck skill — `npx skills add https://policylayer.com` (skill text: https://policylayer.com/skill.md) - Query the registry over MCP: endpoint `https://api.policylayer.com/mcp` — tools `check_mcp_server`, `check_mcp_stack`, `check_tool`, `search_registry`, `get_change_events` --- Source: the PolicyLayer MCP registry — one continuously verified record per MCP server. Full record: https://policylayer.com/registry?q=io-github-lfhillesheim-contai-mcp-server · API: https://policylayer.com/registry/api · Policy library: https://policylayer.com/policies/io-github-lfhillesheim-contai-mcp-server