Initial commit

skills/agent-smith/assets/templates/additional/property-investor.yaml

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+name: Property Investor
+layer: additional
+description: |
+  Rental property income and expenses tracking.
+  Includes negative gearing calculation and CGT cost base tracking.
+
+categories:
+  - name: "Rental Income"
+    parent: null
+    description: "Rent received from investment properties"
+
+  - name: "Property:Interest"
+    parent: null
+    description: "Mortgage interest on investment loans"
+
+  - name: "Property:Rates & Strata"
+    parent: null
+    description: "Council rates and strata fees"
+
+  - name: "Property:Repairs & Maintenance"
+    parent: null
+    description: "Repairs and maintenance expenses"
+
+  - name: "Property:Property Management"
+    parent: null
+    description: "Property management fees"
+
+  - name: "Property:Insurance"
+    parent: null
+    description: "Landlord insurance premiums"
+
+  - name: "Property:Depreciation"
+    parent: null
+    description: "Depreciation (manual entry from schedule)"
+
+rules:
+  - id: rental-income
+    pattern: "rent.*received|rental.*income|tenant.*payment"
+    category: "Rental Income"
+    confidence: high
+    labels: ["Property: {address}"]
+    description: "Detect rental income payments"
+
+  - id: property-loan-interest
+    pattern: "investment.*loan|property.*mortgage|loan.*interest"
+    category: "Property:Interest"
+    confidence: medium
+    labels: ["Tax Deductible", "Property: {address}"]
+    description: "Detect investment property loan interest"
+
+  - id: council-rates
+    pattern: "council.*rates|strata|body.*corporate"
+    category: "Property:Rates & Strata"
+    confidence: high
+    labels: ["Tax Deductible", "Property: {address}"]
+    description: "Detect rates and strata fees"
+
+  - id: property-repairs
+    pattern: "plumber|electrician|handyman|repairs.*property|maintenance.*rental"
+    category: "Property:Repairs & Maintenance"
+    confidence: medium
+    labels: ["Tax Deductible", "Property: {address}", "Repairs vs Improvements"]
+    description: "Detect repair and maintenance expenses"
+
+  - id: property-management-fee
+    pattern: "property.*management|real.*estate.*fee|letting.*fee"
+    category: "Property:Property Management"
+    confidence: high
+    labels: ["Tax Deductible", "Property: {address}"]
+    description: "Detect property management fees"
+
+tax_tracking:
+  negative_gearing_calculation: true
+  cgt_cost_base_tracking: true
+  cgt_discount_eligible: true
+  cgt_discount_holding_period: 365
+  depreciation_schedule_tracking: true
+
+alerts:
+  - type: rental_schedule_reminder
+    schedule: annual
+    before_date: "06-15"
+    message: "EOFY - prepare rental property income/expense schedule for tax return"
+
+  - type: cgt_event_reminder
+    trigger: property_sale_detected
+    message: "Property sale detected - calculate CGT on disposal"
+
+  - type: negative_gearing_summary
+    schedule: quarterly
+    message: "Quarterly negative gearing summary available"
+
+labels:
+  - name: "Tax Deductible"
+    description: "Property expense claimable on tax return"
+    color: "green"
+    auto_apply: false
+
+  - name: "Negative Gearing"
+    description: "Deductible loss against other income"
+    color: "darkgreen"
+    auto_apply: false
+
+  - name: "Capital Improvement"
+    description: "Adds to CGT cost base (not immediately deductible)"
+    color: "gold"
+    auto_apply: false
+
+  - name: "Repairs vs Improvements"
+    description: "Requires classification for tax treatment"
+    color: "orange"
+    auto_apply: false
+
+  - name: "Property: {address}"
+    description: "Expense for property at {address}"
+    color: "brown"
+    auto_apply: false
+    requires_configuration: true
+    configuration_prompt: "Enter property address:"
+
+dependencies:
+  requires: []
+  conflicts_with: []
+
+metadata:
+  created: "2025-11-22"
+  version: "1.0.0"
+  author: "Agent Smith"
+  priority: 3