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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."],"codes":[{"code":"tls.valid","args":{}},{"code":"auth.none_no_destructive","args":{}},{"code":"https.enforced","args":{}},{"code":"headers.hsts_absent","args":{}},{"code":"dnssec.absent","args":{}}]},{"name":"Transport & Reachability","score":100,"verdict":"pass","reasons":["Verified streamable-http transport via a live MCP handshake."],"codes":[{"code":"transport.verified","args":{"transport":"streamable-http"}}]},{"name":"Schema Quality & AI Usability","score":59,"verdict":"fail","reasons":["AI-judged instruction clarity (good).","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.","Usage-examples check failed: none of the tools include examples."],"codes":[{"code":"schema.ai_quality","args":{"band":"good"}},{"code":"schema.footprint_heavy","args":{"avg":"330","items":"4","tools":"4","tokens":"1323","resources":"0"}},{"code":"schema.examples_absent","args":{}}]},{"name":"Stability & Change Management","score":13,"verdict":"partial","reasons":["Stability observed for 4 of 30 days with no destabilising changes; credit accrues until the full window elapses."],"codes":[{"code":"stability.building_history","args":{"days":"4"}}]},{"name":"Tool Coverage","score":100,"verdict":"pass","reasons":["100% of tools have a non-trivial description (not blank, and not just the tool's name).","100% of tool parameters carry a description."],"codes":[{"code":"toolquality.descriptions","args":{"pct":"100"}},{"code":"toolquality.param_docs","args":{"pct":"100"}}]},{"name":"Tool Safety","score":100,"verdict":"pass","reasons":["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."],"codes":[{"code":"toolsafety.injection_clean","args":{}},{"code":"toolsafety.destructive_none","args":{"tools":"4"}},{"code":"toolsafety.manipulation_clean","args":{"units":"5","judged":"5"}}]},{"name":"Capabilities","score":100,"verdict":"pass","reasons":["Implements a current MCP spec version (2026-07-28)."],"codes":[{"code":"protocol.current","args":{"version":"2026-07-28"}}]}],"inconclusive":[],"malware":[],"components":[{"slug":"motel","type":"remote","identifier":"https://motel.loans/mcp","withdrawn":false,"score":70,"current":true,"url":"https://verifymcp.io/servers/loans-motel-motel-loans/motel","markdownUrl":"https://verifymcp.io/servers/loans-motel-motel-loans/motel.md"}],"facts":[{"label":"Endpoint","value":"https://motel.loans/mcp"},{"label":"Transports","value":"streamable-http"},{"label":"Auth","value":"none"},{"label":"Version","value":"1.2026.1101.1"}],"install":{"available":true,"bundleSha256":null},"tools":[{"name":"size_hotel_loan","title":"Size a hotel or motel loan","description":"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. 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Overrides the brand."},{"name":"franchise_fee_per_room_month","type":"number","required":false,"description":"Franchise fees per room per month in dollars. Overrides the brand."},{"name":"insurance","type":"number","required":false,"description":"Insurance, dollars a year. Default 0: pass the real figure or NOI is overstated."},{"name":"loan","type":"number","required":false,"description":"Loan requested in dollars. Default: price times the maximum loan-to-price."},{"name":"management_pct","type":"number","required":false,"description":"Management fee as a percent of total revenue. Default 0 (owner-operated)."},{"name":"max_ltv_pct","type":"number","required":false,"description":"Lender's maximum loan to price or value, percent. 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