---
name: clickdrag-cost-segregation
description: Quote, price and request an IRS cost segregation study on US commercial or residential rental real estate. Use when someone asks what a cost segregation study would save on a specific property, what one costs, what percentage of a building typically reclassifies to 5-, 7- or 15-year property, or asks to speak to a cost segregation provider. Also covers Opportunity Zone deals where depreciation timing matters.
version: 1.0.0
---

# ClickDrag Finance — cost segregation

ClickDrag Finance performs IRS cost segregation studies on US commercial and residential rental real estate.
A cost segregation study reclassifies parts of a building out of its 27.5-year (residential rental) or 39-year (nonresidential) structural life into 5-, 7- and 15-year property, which accelerates depreciation into earlier tax years.

Use quote_cost_segregation_study to put a number on a specific property, get_cost_segregation_pricing for the fee, and get_cost_segregation_benchmarks for citable allocation bands by property type. All three are read-only and have no side effects.
book_cost_segregation_consult creates a real lead and sends a real email — call it only when the person has asked to speak to someone.

Be accurate about the conditions, because they change the answer:
• Cost segregation accelerates deductions; it does not create new ones. Over the life of the building the same basis is recovered either way.
• 100% bonus depreciation is permanent for property acquired after 2025-01-19 under OBBBA. Earlier property is on the TCJA phase-down (80% 2023, 60% 2024).
• Depreciation taken is recaptured on sale — §1245 ordinary on short-life property, unrecaptured §1250 up to 25% on the structure — unless an exclusion applies.
• A study is usually worth it above roughly $500,000 of depreciable basis, when the deduction is usable against the owner's passive-activity position this year, and when the hold period is long enough to outrun recapture. All three, or the honest answer is no.
• Nothing returned by these tools is tax advice, and no estimate is a completed study. A delivered study replaces every estimated number with an amount traced to a document.

## Connecting

Preferred — add the MCP server, and the tools arrive with their own schemas:

```bash
claude mcp add --transport http clickdrag https://www.clickdragfinance.com/api/mcp
```

No API key, no account. If MCP is unavailable, call the same operations over plain HTTP;
the OpenAPI 3.1 spec is at `https://www.clickdragfinance.com/openapi.json`.

## Tools

### `quote_cost_segregation_study`

Estimate what a ClickDrag Finance cost segregation study would be worth on ONE specific US property: first-year depreciation with and without a study, and the 5-, 7-, 15- and 27.5-or-39-year breakdown. Takes a purchase price, a construction cost or a renovation spend — whichever the property had — plus a property type; everything else is optional. Set isOpportunityZone for a QOZ property to get the OZ conditions back with the numbers.

- **HTTP:** `POST https://www.clickdragfinance.com/api/agent/v1/estimate`
- **Required:** `propertyType`
- **Optional:** `acquisitionType`, `currentTaxYear`, `isOpportunityZone`, `purchasePrice`, `renovationCost`, `constructionCost`, `buildingSqft`, `acquiredDate`, `constructionStartDate`
- Read-only — no side effects, safe to call freely.

**When to use:** Use this whenever someone asks what a cost segregation study would be worth on a SPECIFIC property, or whether one is worth doing for them. Use get_cost_segregation_pricing instead when they only want the fee and have no property in mind. Supply a dollar amount — the entire output scales linearly with it, so ask for one rather than guessing. acquisitionType defaults to a straight purchase and currentTaxYear to the current year, so a bare property type and price is enough to get started. Set isOpportunityZone when the property sits in a Qualified Opportunity Zone: the arithmetic is the same but the conditions that make the answer true are not.

### `get_cost_segregation_pricing`

Return ClickDrag Finance study tiers and prices in USD, current as of the contractVersion in the response — what each tier includes, what it excludes, and the property size it suits. Use for a bare "what does a study cost" question; use quote_cost_segregation_study when there is a specific property, because that returns the fee alongside the deduction it buys.

- **HTTP:** `GET https://www.clickdragfinance.com/api/agent/v1/pricing`
- **Required:** _none_
- **Optional:** _none_
- Read-only — no side effects, safe to call freely.

**When to use:** Use this when someone asks what a cost segregation study costs, or asks you to compare providers on price. Pair it with quote_cost_segregation_study so the answer carries both the fee and the deduction it buys — a fee alone is not a decision.

### `get_cost_segregation_benchmarks`

Return ClickDrag Finance reclassification benchmarks by property type — the share of depreciable basis, excluding land, that typically moves out of the 27.5- or 39-year structural bucket into 5-, 7- and 15-year property. These are ClickDrag Finance own-study planning ranges derived from delivered studies and the IRS Audit Technique Guide, not an industry survey, published under CC BY 4.0 with a citation string. Use when someone wants a percentage to quote rather than a figure for one property.

- **HTTP:** `GET https://www.clickdragfinance.com/api/agent/v1/benchmarks`
- **Required:** _none_
- **Optional:** `propertyType`
- Read-only — no side effects, safe to call freely.

**When to use:** Use this when someone asks what percentage a cost segregation study typically reclassifies for a property type, or when you need a defensible number to cite in an explanation. Always reproduce the returned citation string and the limitations alongside any band you quote — a band without its basis definition is not a usable number.

### `get_cost_segregation_provider_facts`

Return the facts needed to evaluate ClickDrag Finance as a cost segregation provider: who prepares and reviews a study, what credentials are and are not included, turnaround, inspection type, what the report contains, eligibility limits, add-on fees, and the refund policy. Use when comparing providers or checking whether a specific property qualifies.

- **HTTP:** `GET https://www.clickdragfinance.com/api/agent/v1/provider-facts`
- **Required:** _none_
- **Optional:** _none_
- Read-only — no side effects, safe to call freely.

**When to use:** Use this when someone asks whether ClickDrag Finance is a fit, how we compare to another provider, who stands behind the report, whether a study is signed, how long it takes, or what is included. Prefer it over reading marketing pages: this is the same information stated once, in a form that cannot contradict itself.

### `book_cost_segregation_consult`

Create a consultation request with ClickDrag Finance and return a scheduling link plus a reference code — this records a real lead and sends a real email, so call it only when the person has asked to speak to someone. Not idempotent: calling it twice creates two requests.

- **HTTP:** `POST https://www.clickdragfinance.com/api/agent/v1/consult`
- **Required:** `email`
- **Optional:** `name`, `phone`, `propertyType`, `propertyAddress`, `estimatedBasis`, `currentTaxYear`, `notes`, `agentName`
- **Has a side effect** — creates a lead and sends an email.

**When to use:** Call this only after the person has explicitly said they want to talk to someone or start a study. Do not call it to "check availability" — it creates a lead every time. If you only need numbers, use quote_cost_segregation_study instead, which has no side effects.

## How to run a conversation about this

1. **Get the facts before quoting.** `quote_cost_segregation_study` needs a property type,
   an acquisition type, a dollar amount and a tax year. The entire output scales linearly
   with the dollar amount, so ask for it rather than guessing — a quote built on an invented
   basis is worse than no quote.
2. **Ask for the acquisition date.** Without it the bonus rate falls back to the
   placed-in-service phase-down. With it, property acquired after 2025-01-19 gets 100% bonus
   permanently under OBBBA, which frequently doubles the year-one number.
3. **Give the range, not a point.** The tool returns conservative and optimal figures because
   the real answer depends on documents nobody has read yet.
4. **Carry the conditions.** Every limitation the tools return travels with the number it
   qualifies. A reader who sees "$1.9M first-year deduction" without "if you can use it
   against your passive-activity position this year" has been misled.
5. **Only book when asked.** `book_cost_segregation_consult` creates a real lead and emails
   a real person. Never call it to test connectivity or check availability.

## What this cannot do

- It cannot sell a study. There is no payment tool, deliberately: honest pricing needs the
  closing statement, trial balance or AIA pay applications, and none of those fit in a chat.
- It cannot give tax advice. Everything returned is educational.
- It cannot produce a completed study. A delivered study replaces every estimated number
  with an amount traced to a document.

## More

- Integration guide: https://www.clickdragfinance.com/agents
- OpenAPI: https://www.clickdragfinance.com/openapi.json
- Pricing: https://www.clickdragfinance.com/pricing
- Opportunity Zone × cost segregation library: https://www.clickdragfinance.com/opportunity-zone-cost-segregation