# Fix and Flip Loans: flip calculator and lender terms (remote · fixandflip.loans)

Fix-and-flip profit calculator plus hard-money and DSCR lender terms by state.

- Trust score: 70/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `fixandflip.loans`: 70/100 (this document), [markdown](https://verifymcp.io/servers/loans-fixandflip-fixandflip-loans/fixandflip.md), [page](https://verifymcp.io/servers/loans-fixandflip-fixandflip-loans/fixandflip)

## Channel facts

- Endpoint: `https://fixandflip.loans/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.2026.1101.1`

## 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. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one.
  - 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**: 58/100
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 1499 tokens (~374/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**: 13/100
  - Stability observed for 4 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 Fix and Flip Loans: flip calculator and lender terms MCP server?

Fix and Flip Loans: flip calculator and lender terms is a hosted endpoint at https://fixandflip.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.

### Claude

```bash
claude mcp add --transport http loans-fixandflip-fixandflip-loans 'https://fixandflip.loans/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "loans-fixandflip-fixandflip-loans": {
      "url": "https://fixandflip.loans/mcp"
    }
  }
}
```

### VS Code

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

### Codex

```toml
[mcp_servers.loans-fixandflip-fixandflip-loans]
url = "https://fixandflip.loans/mcp"
```

### opencode

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

### OpenClaw

```bash
openclaw mcp add loans-fixandflip-fixandflip-loans --url 'https://fixandflip.loans/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  loans-fixandflip-fixandflip-loans:
    url: "https://fixandflip.loans/mcp"
```

### Netclaw

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

### Vellum

```bash
assistant mcp add loans-fixandflip-fixandflip-loans -t streamable-http -u 'https://fixandflip.loans/mcp'
```

### Other

```json
{
  "mcpServers": {
    "loans-fixandflip-fixandflip-loans": {
      "type": "http",
      "url": "https://fixandflip.loans/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 70, +1)

No change was recorded against any check on this day. Stability & Change Management went from 10 to 13. That category is still filling its 30-day observation window: 3 days of observed history at the previous scan, 4 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-03 (score 69, +1)

- [security] The server rewrote its instructions, which are the text every model session reads
- [functional] Schema quality: excellent → good

### 2026-11-02 (score 68, 0)

- [functional improvement] Stability: unverified → 0.03

### 2026-11-01 (score 68)

First indexed and scored.

## MCP tools (4)

### `calculate_flip_profit` (~511 tokens)

Fix-and-flip profit calculator

Runs the fixandflip.loans calculator on a deal: profit, cash you put in, return on cash (and simple annualized), profit as % of ARV, the hard-money loan with interest, points and fees, holding and selling costs, the 70% rule maximum price and whether the deal meets it, and the breakeven sale price. Optionally prices the loan at a listed lender's advertised starting rate.

Input parameters:

- `arv` (number, required): After-repair value (expected sale price) in dollars, e.g. 340000.
- `arv_cap_pct` (number): Lender's maximum loan as % of ARV. Default 75.
- `buy_closing_costs` (number): Buyer closing costs in dollars. Default 4000.
- `financing` (string): hard_money (default) or cash (no loan).
- `holding_costs_monthly` (number): Taxes, insurance and utilities per month in dollars. Default 900.
- `interest_on` (string): drawn (default): interest only on money drawn, rehab draws spread evenly; full_loan: interest on the whole loan from day one ("Dutch").
- `lender` (string): Optional lender name (e.g. "Kiavi"): use its advertised fix-and-flip starting rate instead of rate_pct. Do not give both.
- `lender_fees` (number): Underwriting, document and processing fees in dollars. Default 1995.
- `ltc_pct` (number): Share of the purchase price the lender advances, %. Default 90.
- `months` (integer): Months from purchase to sale. Default 6.
- `points_pct` (number): Origination points, % of the loan. Default 2.
- `purchase_price` (number, required): Purchase price in dollars, e.g. 210000.
- `rate_pct` (number): Annual interest rate, %, from your own term sheet. Default 10.5 (the calculator's example, not a market rate).
- `rehab_cost` (number, required): Rehab (renovation) budget in dollars, e.g. 55000.
- `rehab_funded_pct` (number): Share of the rehab the lender funds in draws, %. Default 100.
- `seller_closing_pct` (number): Seller closing costs and transfer tax as % of the sale price. Default 1.5.
- `selling_commission_pct` (number): Agent commissions as % of the sale price. Default 5.

### `compare_lender_costs` (~443 tokens)

Compare lenders' advertised rates on one flip

Prices one flip at each listed lender's advertised fix-and-flip starting rate (from its own website, read 2026-10-24), ranked by profit: interest cost, total financing and profit per lender, with your own leverage, points and fees held the same. Optional state keeps only lenders that list it (plus those to check).

Input parameters:

- `arv` (number, required): After-repair value (expected sale price) in dollars, e.g. 340000.
- `arv_cap_pct` (number): Lender's maximum loan as % of ARV. Default 75.
- `buy_closing_costs` (number): Buyer closing costs in dollars. Default 4000.
- `financing` (string): hard_money (default) or cash (no loan).
- `holding_costs_monthly` (number): Taxes, insurance and utilities per month in dollars. Default 900.
- `interest_on` (string): drawn (default): interest only on money drawn, rehab draws spread evenly; full_loan: interest on the whole loan from day one ("Dutch").
- `lender_fees` (number): Underwriting, document and processing fees in dollars. Default 1995.
- `ltc_pct` (number): Share of the purchase price the lender advances, %. Default 90.
- `months` (integer): Months from purchase to sale. Default 6.
- `points_pct` (number): Origination points, % of the loan. Default 2.
- `purchase_price` (number, required): Purchase price in dollars, e.g. 210000.
- `rehab_cost` (number, required): Rehab (renovation) budget in dollars, e.g. 55000.
- `rehab_funded_pct` (number): Share of the rehab the lender funds in draws, %. Default 100.
- `seller_closing_pct` (number): Seller closing costs and transfer tax as % of the sale price. Default 1.5.
- `selling_commission_pct` (number): Agent commissions as % of the sale price. Default 5.
- `state` (string): Optional two-letter property state, e.g. FL.

### `find_lenders` (~215 tokens)

Find fix-and-flip or DSCR lenders by state

Lists the hard-money and DSCR lenders on fixandflip.loans whose own websites (read 2026-10-24) say they lend in a state, with starting rate, leverage, minimum credit score, experience rule, loan size and a source link each. Lenders that publish no state list are returned as "check".

Input parameters:

- `credit_score` (integer): Optional, fix_flip only: drop lenders whose published minimum FICO is above this score.
- `limit` (integer): Lenders per page, 1 to 12, default 10.
- `loan_type` (string): fix_flip (default; hard-money rehab loans) or dscr_rental (rental loans sized on rent).
- `offset` (integer): Lenders to skip, for paging. Default 0.
- `sort` (string): rate (default; lowest advertised starting rate first, unpublished last) or name.
- `state` (string): Two-letter property state, e.g. TX. Omit for every lender.

### `get_lender_terms` (~100 tokens)

One lender's published terms

Everything fixandflip.loans recorded from one lender's own website (read 2026-10-24): fix-and-flip and DSCR rates, leverage, points, terms, credit and experience rules, loan sizes, the states it lends in, license line, notes and the exact source pages.

Input parameters:

- `lender` (string, required): Lender name, e.g. "Kiavi", "Lima One" or "RCN Capital".

## Diagnostics

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

## Score history

- 2026-11-05: 70
- 2026-11-04: 69
- 2026-11-03: 69
- 2026-11-02: 68
- 2026-11-01: 68

## Common questions

### What is the Fix and Flip Loans: flip calculator and lender terms MCP server?

Fix and Flip Loans: flip calculator and lender terms is an MCP server listed in the public MCP registry as loans.fixandflip/fixandflip-loans. Fix-and-flip profit calculator plus hard-money and DSCR lender terms by state. This page covers its hosted endpoint (https://fixandflip.loans/mcp).

### Is the Fix and Flip Loans: flip calculator and lender terms MCP server safe to use?

Fix and Flip Loans: flip calculator and lender terms scores 70 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 Fix and Flip Loans: flip calculator and lender terms MCP server expose?

Fix and Flip Loans: flip calculator and lender terms exposes 4 tools: calculate_flip_profit, compare_lender_costs, find_lenders, get_lender_terms. Their descriptions and schemas cost roughly 1,269 tokens of context every time the server is loaded.

### Does the Fix and Flip Loans: flip calculator and lender terms MCP server require authentication?

No. We connected to Fix and Flip Loans: flip calculator and lender terms without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the Fix and Flip Loans: flip calculator and lender terms MCP server still maintained?

Fix and Flip Loans: flip calculator and lender terms 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.

## Links

- Remote endpoint: https://fixandflip.loans/mcp
- Website: https://fixandflip.loans/developers/
- Changelog RSS feed: https://verifymcp.io/servers/loans-fixandflip-fixandflip-loans/fixandflip.xml
- Changelog JSON feed: https://verifymcp.io/servers/loans-fixandflip-fixandflip-loans/fixandflip.json
- HTML version of this page: https://verifymcp.io/servers/loans-fixandflip-fixandflip-loans/fixandflip