# Pad Count: mobile home park loan sizer (remote · mobilehomepark.loan)

Which loans fit a mobile home park: agency sizer, lot-rent valuation, program rules.

- Trust score: 69/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `mobilehomepark.loan`: 69/100 (this document), [markdown](https://verifymcp.io/servers/loan-mobilehomepark-mobilehomepark-loan/mobilehomepark.md), [page](https://verifymcp.io/servers/loan-mobilehomepark-mobilehomepark-loan/mobilehomepark)

## Channel facts

- Endpoint: `https://mobilehomepark.loan/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.2026.1101.0`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-11-05.

- **Endpoint Security**: 74/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Nothing on it is marked destructive, but we can't show that an anonymous caller can only read: full credit needs the server to list at least one tool and every tool to be verifiably read-only. We use a best-effort check of tool names and descriptions to tell read-only tools from tools that change things, so some genuinely read-only tools may not get full credit. Names that start with a read verb (get, list, read, search and similar) and accurate readOnlyHint annotations help. Meet that to earn full credit, or require authorisation.
  - HTTPS is enforced; there's no plaintext access path.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 54/100
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 1853 tokens (~463/item across 4 items; 4 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 10/100
  - Stability observed for 3 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% of tool parameters carry a description.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 4 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 5 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a current MCP spec version (2026-07-28).

## Install

### How do I install the Pad Count: mobile home park loan sizer MCP server?

Pad Count: mobile home park loan sizer is a hosted endpoint at https://mobilehomepark.loan/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add --transport http loan-mobilehomepark-mobilehomepark-loan 'https://mobilehomepark.loan/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "loan-mobilehomepark-mobilehomepark-loan": {
      "url": "https://mobilehomepark.loan/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "loan-mobilehomepark-mobilehomepark-loan": {
      "type": "http",
      "url": "https://mobilehomepark.loan/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.loan-mobilehomepark-mobilehomepark-loan]
url = "https://mobilehomepark.loan/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "loan-mobilehomepark-mobilehomepark-loan": {
      "type": "remote",
      "url": "https://mobilehomepark.loan/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add loan-mobilehomepark-mobilehomepark-loan --url 'https://mobilehomepark.loan/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  loan-mobilehomepark-mobilehomepark-loan:
    url: "https://mobilehomepark.loan/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "loan-mobilehomepark-mobilehomepark-loan": {
      "Transport": "http",
      "Url": "https://mobilehomepark.loan/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add loan-mobilehomepark-mobilehomepark-loan -t streamable-http -u 'https://mobilehomepark.loan/mcp'
```

### Other

```json
{
  "mcpServers": {
    "loan-mobilehomepark-mobilehomepark-loan": {
      "type": "http",
      "url": "https://mobilehomepark.loan/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-11-05 (score 69, +1)

No change was recorded against any check on this day. Stability & Change Management went from 7 to 10. That category is still filling its 30-day observation window: 2 days of observed history at the previous scan, 3 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-03 (score 68, +1)

- [functional improvement] Stability: unverified → 0.03

### 2026-11-02 (score 67)

First indexed and scored.

## MCP tools (4)

### `size_park_loan` (~659 tokens)

Which loans fit a mobile home park, and how much

Runs the Pad Count loan sizer on one mobile home park: for Fannie Mae MHC, Freddie Mac MHC, HUD 223(f) MHC and the user's own bank or CMBS terms it returns a verdict (fits, check first, doesn't fit), the loan amount (the smaller of value x max LTV and NOI / (coverage x loan constant)), which limit binds, the rate used (Treasury for the term plus a spread) and every published rule the park fails. SBA 7(a) and 504 come back as not eligible, with the SOP quote.

Input parameters:

- `borrower` (string): Borrower type: private, resident_owned (ROC or co-op), nonprofit, government (state or local), cdfi or tribe. Default private.
- `current_balance` (number): Refinance only: current loan balance in dollars (HUD 223(f) here allows no cash out). Default 0.
- `homes_on_site` (integer): Every home in the park, empty or not. Defaults to occupied_pads.
- `loan_wanted` (number): Optional loan amount wanted, in dollars; each program says whether it covers it.
- `noi` (number, required): Net operating income in dollars per year, after management and reserves, e.g. 268000. value_park_on_lot_rent can build it.
- `occupied_pads` (integer, required): Occupied pads, e.g. 68. Capped at total pads.
- `own_lender_amortization_years` (integer): Your lender's amortization in years. Default 25 (an example).
- `own_lender_dscr` (number): Your lender's minimum debt service coverage, e.g. 1.30. Default 1.30 (an example).
- `own_lender_ltv_pct` (number): Your bank or CMBS lender's max LTV in percent. Default 70 (an example; banks publish no single term).
- `owns_another_park` (boolean): Whether the key principal owns at least one other park (Freddie Mac requires it). Omit if not known.
- `pads` (integer, required): Total pads (sites) in the park, e.g. 80.
- `park_owned_homes` (integer): Homes owned by the borrower, an affiliate or an outside investor. Default 0.
- `purpose` (string): Purchase or refinance. Default purchase.
- `quality_level` (integer): Fannie Mae quality level from the lender's inspection, 1 to 5; 0 = not known (default).
- `spread_pct` (number): Spread over Treasury in percent. Default 2.00, which is an example, not a quote.
- `term_years` (integer): Loan term in years: 5, 7 or 10. Picks the Treasury yield and Freddie Mac's LTV tier. Default 10.
- `value` (number, required): Purchase price, or value if refinancing, in dollars, e.g. 3460000.
- `years_park_experience` (integer): Years the key principal has owned or run parks (Freddie Mac needs 2+). Omit if not known.

### `value_park_on_lot_rent` (~708 tokens)

Value a mobile home park on its lot rent

Runs the Pad Count lot-rent valuation worksheet: from pads, occupancy, lot rent, park-owned homes, other income and expenses it returns collected income, operating expenses, NOI, NOI from lots alone, value at the low, middle and high of a cap rate range the user supplies, value per pad, and the lender flags (85% occupancy, park-owned home share against the 25%/35% agency caps, pad minimums, Fannie Mae 5% economic vacancy floor, park-paid utilities).

Input parameters:

- `admin_legal_other` (number): Admin, legal and other expenses per year. Default 0.
- `bad_debt_pct` (number): Bad debt and concessions, percent of gross income. Default 0.
- `cap_rate_high_pct` (number, required): High end of the cap rate range in percent, e.g. 8.5.
- `cap_rate_low_pct` (number, required): Low end of the cap rate range in percent, e.g. 7. No public source publishes park cap rates; use what brokers who sell parks in the area quote.
- `home_rent_monthly` (number): Home rent a renter pays on top of lot rent, dollars per month. Default 0.
- `insurance` (number): Insurance per year in dollars. Default 0.
- `lot_rent_monthly` (number, required): Lot rent per pad per month in dollars, e.g. 450.
- `management_pct` (number): Management as a percent of collected income. Default 0; a buyer counts it even when the owner self-manages.
- `occupied_pads` (integer, required): Pads with a home paying rent, including rented park-owned homes, e.g. 68.
- `other_income_monthly` (number): Late fees, laundry, storage, per month in dollars. Default 0.
- `pads` (integer, required): Total pads, 1 to 2000, e.g. 80.
- `park_owned_home_costs` (number): Repairs, turnover and any tax on the park-owned homes, per year. Default 0.
- `park_owned_homes` (integer): Every home the park, the owner or an affiliate owns, rented or not. Default 0.
- `park_owned_homes_rented` (integer): Of those, how many are rented now. Default 0.
- `payroll` (number): Payroll and on-site manager per year. Default 0.
- `property_taxes` (number): Property taxes per year in dollars. Default 0.
- `repairs_roads_grounds` (number): Repairs, roads and grounds per year. Default 0.
- `reserves_per_pad` (number): Reserves per pad per year. Default 50, Freddie Mac's minimum.
- `reserves_per_park_owned_home` (number): Reserves per park-owned home per year. Default 250, the figure Freddie Mac's Guide uses.
- `utilities_park_pays` (number): Water, sewer, trash and common-area electric the park pays, per year. Default 0.
- `utility_bill_backs_monthly` (number): Utility bill-backs collected per month in dollars (counted only when water_sewer is billed_back). Default 0.
- `water_sewer` (string): billed_back (submetered, billed to residents), park_pays (included in lot rent) or resident_direct. Default billed_back.

### `get_mhc_loan_program_rules` (~129 tokens)

Mobile home park loan program rules

The published rules for financing a mobile home park (manufactured housing community) under Fannie Mae MHC, Freddie Mac Optigo MHC, HUD Section 223(f) MHC and SBA 7(a)/504: max LTV, min DSCR, amortization, minimum size, occupancy, park-owned home caps, borrower eligibility, reserves and mortgage insurance, each with its primary source and date. SBA comes back as not eligible, with the SOP quote.

Input parameters:

- `program` (string): fannie, freddie, hud, sba, or all (default).

### `get_new_manufactured_home_prices` (~72 tokens)

Average price of a new manufactured home

The U.S. Census Bureau Manufactured Housing Survey average sales price of a new manufactured home, by month of shipment: single-section, double-section and all homes for the latest month published and the months before it. A yardstick for what filling a vacant pad with a new park-owned home costs.

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/loan-mobilehomepark-mobilehomepark-loan/mobilehomepark#diagnostics

## Score history

- 2026-11-05: 69
- 2026-11-04: 68
- 2026-11-03: 68
- 2026-11-02: 67

## Common questions

### What is the Pad Count: mobile home park loan sizer MCP server?

Pad Count: mobile home park loan sizer is an MCP server listed in the public MCP registry as loan.mobilehomepark/mobilehomepark-loan. Which loans fit a mobile home park: agency sizer, lot-rent valuation, program rules. This page covers its hosted endpoint (https://mobilehomepark.loan/mcp).

### Is the Pad Count: mobile home park loan sizer MCP server safe to use?

Pad Count: mobile home park loan sizer scores 69 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the Pad Count: mobile home park loan sizer MCP server expose?

Pad Count: mobile home park loan sizer exposes 4 tools: size_park_loan, value_park_on_lot_rent, get_mhc_loan_program_rules, get_new_manufactured_home_prices. Their descriptions and schemas cost roughly 1,568 tokens of context every time the server is loaded.

### Does the Pad Count: mobile home park loan sizer MCP server require authentication?

No. We connected to Pad Count: mobile home park loan sizer without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the Pad Count: mobile home park loan sizer MCP server still maintained?

Pad Count: mobile home park loan sizer is still listed as active in the MCP registry. We last reached this channel on 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

### What did VerifyMCP test on the Pad Count: mobile home park loan sizer MCP server?

VerifyMCP ran 13 checks on Pad Count: mobile home park loan sizer, covering TLS certificate, Authorization, HTTPS, HSTS header and 9 more. Supply Chain Security and Provenance & Transparency do not apply to a hosted endpoint, so they were not tested. The score does not measure everything, and the scoring documentation lists what it leaves out.

## Links

- Remote endpoint: https://mobilehomepark.loan/mcp
- Website: https://mobilehomepark.loan/developers/
- Changelog RSS feed: https://verifymcp.io/servers/loan-mobilehomepark-mobilehomepark-loan/mobilehomepark.xml
- Changelog JSON feed: https://verifymcp.io/servers/loan-mobilehomepark-mobilehomepark-loan/mobilehomepark/changelog.json
- Trust report (JSON): https://verifymcp.io/servers/loan-mobilehomepark-mobilehomepark-loan/mobilehomepark.json
- HTML version of this page: https://verifymcp.io/servers/loan-mobilehomepark-mobilehomepark-loan/mobilehomepark