# 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.

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

## Components

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

## Channel facts

- Endpoint: `https://motel.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. 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**: 59/100
  - 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.
- **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 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.

### Claude

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

### Cursor

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

### VS Code

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

### Codex

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

### opencode

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

### OpenClaw

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

### Hermes

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

### Netclaw

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

### Vellum

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

### Other

```json
{
  "mcpServers": {
    "loans-motel-motel-loans": {
      "type": "http",
      "url": "https://motel.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.

### 2026-11-04 (score 70, +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.

### 2026-11-02 (score 69, +1)

- [functional improvement] Stability: unverified → 0.03

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

First indexed and scored.

## MCP tools (4)

### `size_hotel_loan` (~616 tokens)

Size a hotel or motel loan

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.

Input parameters:

- `adr` (number, required): 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, required): 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, required): 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, required): Rooms (keys), e.g. 64.

### `get_franchise_costs` (~166 tokens)

Franchise fees for a hotel brand

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.

Input parameters:

- `brand` (string, required): 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.

### `compare_franchise_costs` (~183 tokens)

Compare hotel franchise costs

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.

Input parameters:

- `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.

### `get_sba_hotel_loan_terms` (~105 tokens)

SBA 7(a) and 504 terms for hotels

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.

Input parameters:

- `program` (string): Which program. Default both.

## Diagnostics

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

## Score history

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

## Common questions

### 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.

### What did VerifyMCP test on the Motel Loans: hotel loan sizer and franchise costs MCP server?

VerifyMCP ran 13 checks on Motel Loans: hotel loan sizer and franchise costs, 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://motel.loans/mcp
- Website: https://motel.loans/developers/
- Changelog RSS feed: https://verifymcp.io/servers/loans-motel-motel-loans/motel.xml
- Changelog JSON feed: https://verifymcp.io/servers/loans-motel-motel-loans/motel/changelog.json
- Trust report (JSON): https://verifymcp.io/servers/loans-motel-motel-loans/motel.json
- HTML version of this page: https://verifymcp.io/servers/loans-motel-motel-loans/motel