Motel Loans: hotel loan sizer and franchise costs
REMOTE · MOTEL.LOANS
Hotel and motel loan sizer, franchise fees for 48 brands from filed FDDs, SBA hotel terms.
Available components
Last scanned (3 hours ago)
Scores higher than 55% 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 Security74
- 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
- HSTS check failed: the Strict-Transport-Security header is absent. See how to fix → View diagnostics → Fail
- 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 Usability59
- AI-judged instruction clarity (good).Pass
- Context-footprint check failed: tool/resource definitions use about 1323 tokens (~330/item across 4 items; 4 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 Management13
- Stability observed for 4 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 4 captured tool definition(s), and no name or description among them implies an irreversible operation.Pass
- An AI judge read all 5 captured unit(s) of tool text and found none that tries to manipulate the model reading it.Pass
Capabilities100
- Implements a current MCP spec version (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 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.
- 2 Nov 26 +1
- Stability: unverified → 0.03 ▲ functional
- 1 Nov 26 68
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://motel.loans/mcp
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=motel.loans | CN=WE1,O=Google Trust Services,C=US | 24 Oct 2026 | 22 Jan 2027 | ECDSA 256 | ECDSA-SHA256 | 147b73aa73d8b8a40e147dd8d8909ba0 |
| SANs: motel.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 motel.loans. — Not signed
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| loans. | present | 19444, 42307 | 8, 8 | Verified |
| motel.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 |
Background: How OAuth 2.1 works in the 2026 MCP spec →
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://motel.loans/mcp | Verified | 200 | |
| http (plaintext) | http://motel.loans/mcp | HTTPS enforced | 301 | https://motel.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 →
compare_franchise_costs Compare hotel franchise costs ~183
A ranked table of hotel brands from the motel.loans FDD database (48 brands): royalty plus marketing percent, per-room monthly fees, initial fee for 60 rooms, transfer fee and Item 7 total investment range, each with its FDD year and page. Filter by parent company or name specific brands, and sort by percent fees, initial fee or lowest Item 7 cost.
| Name | Type | Req | Description |
|---|---|---|---|
| brands | array | – | Brand names or slugs to compare, e.g. ["Super 8","Motel 6","Red Roof Inn"]. Omit to list all. |
| limit | integer | – | Rows to return, default 10. |
| offset | integer | – | Rows to skip, for paging. |
| parent | string | – | Only brands of this parent company. |
| sort | string | – | Sort order, lowest first. Default pct_fees. |
No output schema declared.
No examples provided.
get_franchise_costs Franchise fees for a hotel brand ~166
One hotel brand's franchise costs from its filed franchise disclosure document (FDD): royalty, marketing and other percent fees, per-room monthly fees, reservation and loyalty charges, initial and transfer fee for a 60-room hotel, the Item 7 total investment range, FDD date, page references and the filing link. Give rooms and rooms revenue to get the yearly percent and per-room fees for your hotel.
| Name | Type | Req | Description |
|---|---|---|---|
| brand | string | yes | Brand name or slug, e.g. "Super 8", "Days Inn", "comfort-inn". |
| rooms | integer | – | Rooms, for the yearly fee estimate. Default 60. |
| rooms_revenue | number | – | Yearly rooms revenue in dollars, for the yearly fee estimate. Default 1500000. |
No output schema declared.
No examples provided.
get_sba_hotel_loan_terms SBA 7(a) and 504 terms for hotels ~105
The SBA program terms motel.loans publishes for hotel and motel loans: SBA 7(a) maximum variable and fixed rates, loan and guaranty limits, equity, DSCR and maturity rules, FY 2027 guaranty fees; SBA 504 structure, debenture limit, jobs rule, fees and the latest 25-year rate. Each with its SBA or source link and effective date.
| Name | Type | Req | Description |
|---|---|---|---|
| program | string | – | Which program. Default both. |
No output schema declared.
No examples provided.
size_hotel_loan Size a hotel or motel loan ~616
Runs the motel.loans hotel loan sizer on your numbers: RevPAR, rooms and total revenue, each expense line, NOI, annual debt service, DSCR, the largest loan the cash flow supports at the lender's minimum DSCR, the loan-to-price cap, which one binds, cap rate, price per key and breakeven occupancy. Pick a brand to fill franchise fees from its FDD and a program (SBA 7(a), SBA 504, conventional) to fill rate, amortization and loan-to-price as the calculator does.
| Name | Type | Req | Description |
|---|---|---|---|
| adr | number | yes | Average daily rate in dollars, e.g. 89. |
| amortization_years | integer | – | Amortization in years. Overrides the program term. |
| brand | string | – | Franchise brand name or slug (e.g. "Super 8", "comfort-inn") to fill franchise fees from its FDD. Omit for an independent with no franchise fees. |
| dscr_target | number | – | Lender's minimum debt service coverage, e.g. 1.25. Default 1.25 (SBA 7(a) hotel acquisition). |
| franchise_fee_pct | number | – | Franchise fees as a percent of rooms revenue. Overrides the brand. |
| franchise_fee_per_room_month | number | – | Franchise fees per room per month in dollars. Overrides the brand. |
| insurance | number | – | Insurance, dollars a year. Default 0: pass the real figure or NOI is overstated. |
| loan | number | – | Loan requested in dollars. Default: price times the maximum loan-to-price. |
| management_pct | number | – | Management fee as a percent of total revenue. Default 0 (owner-operated). |
| max_ltv_pct | number | – | Lender's maximum loan to price or value, percent. Overrides the program. |
| occupancy_pct | number | yes | Occupancy, percent, e.g. 62. |
| opex_pct | number | – | Operating costs as a percent of total revenue, excluding franchise fees, management, taxes, insurance and reserve. Default 56 (the calculator example; use the trailing-12 P&L). |
| other_revenue_pct | number | – | Other revenue as a percent of rooms revenue (vending, pet fees, meeting room). Default 2. |
| price | number | yes | Purchase price or value in dollars, e.g. 3200000. |
| program | string | – | Fills rate, amortization and maximum loan-to-price the way the calculator's program buttons do. Default sba_7a. |
| property_taxes | number | – | Property taxes, dollars a year. Default 0: pass the real figure or NOI is overstated. |
| rate_pct | number | – | Interest rate, percent. Overrides the program rate. |
| reserve_pct | number | – | FF&E reserve as a percent of total revenue. Default 4. |
| rooms | integer | yes | Rooms (keys), e.g. 64. |
No output schema declared.
No examples provided.
How do I install the Motel Loans: hotel loan sizer and franchise costs MCP server?
Motel Loans: hotel loan sizer and franchise costs is a hosted endpoint at https://motel.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 · motel.loans
claude mcp add --transport http loans-motel-motel-loans 'https://motel.loans/mcp'
What is the Motel Loans: hotel loan sizer and franchise costs MCP server?
Motel Loans: hotel loan sizer and franchise costs is an MCP server listed in the public MCP registry as loans.motel/motel-loans. Hotel and motel loan sizer, franchise fees for 48 brands from filed FDDs, SBA hotel terms. This page covers its hosted endpoint (https://motel.loans/mcp).
Is the Motel Loans: hotel loan sizer and franchise costs MCP server safe to use?
Motel Loans: hotel loan sizer and franchise costs 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 Motel Loans: hotel loan sizer and franchise costs MCP server expose?
Motel Loans: hotel loan sizer and franchise costs exposes 4 tools: size_hotel_loan, get_franchise_costs, compare_franchise_costs, get_sba_hotel_loan_terms. Their descriptions and schemas cost roughly 1,070 tokens of context every time the server is loaded.
Does the Motel Loans: hotel loan sizer and franchise costs MCP server require authentication?
No. We connected to Motel Loans: hotel loan sizer and franchise costs without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.
Is the Motel Loans: hotel loan sizer and franchise costs MCP server still maintained?
Motel Loans: hotel loan sizer and franchise costs 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.