apartment.loans: apartment loan sizing
REMOTE · APARTMENT.LOANS
Size and compare financing for 5+ unit apartment buildings: DSCR, LTV, cash-out, bridge takeout.
Available components
Last scanned (3 hours ago)
Scores higher than 58% of remote servers
Reachable. Last reached 5 Nov 2026.
Category Finance and Payments
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. How we score → Why this is hard to score →
Endpoint Security80
- The endpoint's TLS certificate is valid, in date, and uses a strong key. View diagnostics → Pass
- No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one. See how to fix → View diagnostics → Partial
- HTTPS is enforced; there's no plaintext access path. View diagnostics → Pass
- The HSTS (Strict-Transport-Security) header is present. View diagnostics → Pass
- DNSSEC check failed: this domain isn't protected by DNSSEC. See how to fix → View diagnostics → Fail
Transport & Reachability100
- Verified streamable-http transport via a live MCP handshake. View diagnostics → Pass
Schema Quality & AI Usability61
- AI-judged instruction clarity (fair).Partial
- Context-footprint check failed: tool/resource definitions use about 942 tokens (~117/item across 8 items; 8 tools + 0 resources), over budget; trim descriptions and params. See how to fix → Fail
- Usage-examples check failed: none of the tools include examples. See how to fix → Fail
Stability & Change Management10
- Stability observed for 3 of 30 days with no destabilising changes; credit accrues until the full window elapses.Partial
Tool Coverage100
- 100% of tools have a non-trivial description (not blank, and not just the tool's name).Pass
- 100% of tool parameters carry a description.Pass
Tool Safety100
- No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.Pass
- We read all 8 captured tool definition(s), and no name or description among them implies an irreversible operation.Pass
- An AI judge read all 9 captured unit(s) of tool text and found none that tries to manipulate the model reading it.Pass
Capabilities100
- Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.Pass
Every change we have recorded for this component, newest first. Security-relevant changes are always shown. ▲ marks a change for the better, ▼ a change for the worse; unmarked changes are neutral.
- 4 Nov 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.
- 3 Nov 26 0
- Stability: unverified → 0.03 ▲ functional
- 2 Nov 26 71
First indexed and scored.
Diagnostic detail from the automated scan of this channel: what the scanner observed at each step, so you can see exactly where a check passed or failed. It is informational only and never changes the trust score.
Captured 5 Nov 2026 · Probed https://apartment.loans/mcp
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=apartment.loans | CN=WE1,O=Google Trust Services,C=US | 22 Sept 2026 | 21 Dec 2026 | ECDSA 256 | ECDSA-SHA256 | 1675f3100e5ea0ab13c2a6d945cf591e |
| SANs: apartment.loans | ||||||
| CN=WE1,O=Google Trust Services,C=US (CA) | CN=GTS Root R4,O=Google Trust Services LLC,C=US | 13 Dec 2023 | 20 Feb 2029 | ECDSA 256 | ECDSA-SHA384 | 7ff31977972c224a76155d13b6d685e3 |
| CN=GTS Root R4,O=Google Trust Services LLC,C=US (CA) | CN=GlobalSign Root CA,OU=Root CA,O=GlobalSign nv-sa,C=BE | 15 Nov 2023 | 28 Jan 2028 | ECDSA 384 | SHA256-RSA | 7fe530bf331343bedd821610493d8a1b |
Background: What to check on a remote MCP endpoint →
DNSSEC insecure
Validation of apartment.loans. — Not signed
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| loans. | present | 19444, 42307 | 8, 8 | Verified |
| apartment.loans. | absent | Unsigned (proven) parent-signed NSEC/NSEC3 proves an unsigned delegation |
Authentication No authorisation required
The endpoint answered without asking for a token. Anyone who knows the URL can reach it.
| Result | No authorisation required |
|---|---|
| HTTP status | 200 |
| Header | Value |
|---|---|
| strict-transport-security | max-age=31536000; includeSubDomains; preload |
| x-content-type-options | nosniff |
Background: How OAuth 2.1 works in the 2026 MCP spec →
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://apartment.loans/mcp | Verified | 200 | |
| http (plaintext) | http://apartment.loans/mcp | HTTPS enforced | 301 | https://apartment.loans/mcp |
The tools this component advertises to a client, with an estimated token cost for each. Expand a tool to see its parameters and schema. The per-tool counts are indicative and are not scored directly; the schema's total context footprint is one signal in Schema Quality & AI Usability. A tool's description is untrusted text the model reads on every call, which is what makes this list a security surface and not just an inventory: how tool poisoning works →
bridge_takeout Bridge-to-permanent takeout test ~122
Test whether a bridge loan refinances into permanent debt at stabilization; returns surplus or shortfall, NOI needed and the highest workable rate.
| Name | Type | Req | Description |
|---|---|---|---|
| amort | number | – | Amortization, years |
| cap_rate | number | yes | Cap rate for value, percent |
| max_ltv | number | – | Max LTV, percent |
| min_dscr | number | – | Min DSCR |
| noi | number | yes | Stabilized NOI |
| payoff | number | yes | Bridge payoff incl. exit fee |
| rate | number | yes | Permanent rate, percent |
No output schema declared.
No examples provided.
cash_out Cash-out refinance proceeds ~149
Net cash to the borrower from a cash-out refinance after payoff, prepayment, closing costs and reserves.
| Name | Type | Req | Description |
|---|---|---|---|
| amort | number | – | Amortization, years |
| closing_pct | number | – | Closing costs, percent of new loan |
| max_ltv | number | – | Max LTV, percent |
| min_dscr | number | – | Min DSCR |
| noi | number | yes | NOI per year |
| payoff | number | yes | Current payoff |
| prepay_cost | number | – | Prepayment cost, dollars |
| rate | number | yes | Rate, percent |
| reserves | number | – | Reserves and escrows, dollars |
| value | number | yes | Appraised value |
No output schema declared.
No examples provided.
check_eligibility Agency program eligibility screen ~120
Screen a deal against published Fannie Mae Small Loans, Freddie Mac Conventional Small and HUD 223(f) criteria.
| Name | Type | Req | Description |
|---|---|---|---|
| dscr | number | yes | DSCR at that loan |
| liquidity | number | – | Sponsor liquidity |
| loan | number | yes | Loan amount |
| ltv | number | yes | LTV, percent |
| net_worth | number | – | Sponsor net worth |
| occupancy | number | – | Physical occupancy, percent |
| occupancy_months | number | – | Months at that occupancy |
| units | number | yes | Units |
No output schema declared.
No examples provided.
compare_programs Compare agency loan programs ~99
Max refinance loan under each agency program's published limits (Fannie Mae Small Loans, Freddie Mac Conventional Small, HUD 223(f)) plus a bank case.
| Name | Type | Req | Description |
|---|---|---|---|
| noi | number | yes | NOI, dollars per year |
| payoff | number | – | Current loan payoff, dollars |
| rate | number | yes | Rate to test, percent |
| units | number | – | Number of units |
| value | number | yes | Appraised value, dollars |
No output schema declared.
No examples provided.
match_programs Match loan programs to a deal ~87
Rank loan programs for a deal with the reasons each fits or fails.
| Name | Type | Req | Description |
|---|---|---|---|
| hold | string | – | short | mid | long |
| loan | number | yes | Loan amount |
| occupancy | number | yes | Occupancy, percent |
| recourse | string | – | none | ok |
| reno | string | – | none | light | heavy |
| units | number | yes | Units |
No output schema declared.
No examples provided.
maturity_timeline Refinance timeline from maturity ~67
Dated refinance milestones working back from a loan maturity date.
| Name | Type | Req | Description |
|---|---|---|---|
| close_days | number | – | Application-to-closing days (optional) |
| maturity | string | yes | Maturity date, YYYY-MM-DD |
| target | string | – | agency | bank | hud | cmbs | bridge |
No output schema declared.
No examples provided.
refinance_break_even Refinance now or wait ~87
Refinance now and pay the prepayment cost, or wait for the open window.
| Name | Type | Req | Description |
|---|---|---|---|
| balance | number | yes | Loan balance |
| months | number | yes | Months until the open window |
| new_rate | number | yes | New rate, percent |
| prepay_pct | number | yes | Prepayment cost today, percent of balance |
| rate | number | yes | Current rate, percent |
No output schema declared.
No examples provided.
size_loan Size an apartment loan ~141
Size an apartment loan the way a lender does: the lowest of the LTV, DSCR and debt-yield limits.
| Name | Type | Req | Description |
|---|---|---|---|
| amort | number | – | Amortization, years |
| max_ltv | number | – | Maximum LTV, percent |
| min_debt_yield | number | – | Minimum debt yield, percent; 0 if not tested |
| min_dscr | number | – | Minimum DSCR, multiple (1.25) |
| noi | number | yes | Net operating income, dollars per year |
| rate | number | yes | Interest rate, percent (6.25) |
| value | number | yes | Appraised value, dollars |
No output schema declared.
No examples provided.
How do I install the apartment.loans: apartment loan sizing MCP server?
apartment.loans: apartment loan sizing is a hosted endpoint at https://apartment.loans/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.
remote · apartment.loans
claude mcp add --transport http loans-apartment-apartment-loans 'https://apartment.loans/mcp'
What is the apartment.loans: apartment loan sizing MCP server?
apartment.loans: apartment loan sizing is an MCP server listed in the public MCP registry as loans.apartment/apartment-loans. Size and compare financing for 5+ unit apartment buildings: DSCR, LTV, cash-out, bridge takeout. This page covers its hosted endpoint (https://apartment.loans/mcp).
Is the apartment.loans: apartment loan sizing MCP server safe to use?
apartment.loans: apartment loan sizing scores 72 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 apartment.loans: apartment loan sizing MCP server expose?
apartment.loans: apartment loan sizing exposes 8 tools: size_loan, compare_programs, cash_out, bridge_takeout, refinance_break_even, and 3 more. Their descriptions and schemas cost roughly 872 tokens of context every time the server is loaded.
Does the apartment.loans: apartment loan sizing MCP server require authentication?
No. We connected to apartment.loans: apartment loan sizing without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.
Is the apartment.loans: apartment loan sizing MCP server still maintained?
apartment.loans: apartment loan sizing 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.