# Conversion Ledger (RAD) (remote · rad.loans)

HUD RAD conversions, housing authority records, 2026 RAD rents, program facts and debt sizing.

- Trust score: 67/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `rad.loans`: 67/100 (this document), [markdown](https://verifymcp.io/servers/loans-rad-rad-loans/rad.md), [page](https://verifymcp.io/servers/loans-rad-rad-loans/rad)

## Channel facts

- Endpoint: `https://rad.loans/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.2026.1101.0`

## 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**: 56/100
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 1247 tokens (~207/item across 6 items; 6 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**: 92/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 77% 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 6 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 7 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 60/100
  - Spec-recency check failed: implements MCP spec 2025-06-18; the latest is 2026-07-28.

## Install

### How do I install the Conversion Ledger (RAD) MCP server?

Conversion Ledger (RAD) is a hosted endpoint at https://rad.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-rad-rad-loans 'https://rad.loans/mcp'
```

### Cursor

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

### VS Code

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

### Codex

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

### opencode

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

### OpenClaw

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

### Hermes

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

### Netclaw

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

### Vellum

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

### Other

```json
{
  "mcpServers": {
    "loans-rad-rad-loans": {
      "type": "http",
      "url": "https://rad.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 67, +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 66, +1)

- [functional improvement] Stability: unverified → 0.03

### 2026-11-01 (score 65)

First indexed and scored.

## MCP tools (6)

### `search_conversions` (~203 tokens)

Search RAD conversions

RAD public housing conversions from HUD's RAD Resource Desk export, newest first: project, housing authority, state, PBV or PBRA, units, status, CHAP and closing dates, tax credits (4%/9%), FHA insurance and Section 18 blend flags, with each housing authority's rad.loans page.

Input parameters:

- `closed_after` (string): YYYY, YYYY-MM or YYYY-MM-DD
- `contract` (string)
- `fha_insured` (boolean): Only deals with FHA-insured debt
- `limit` (integer)
- `query` (string): Words from the housing authority or project name
- `section18_blend` (boolean): Only RAD/Section 18 blends
- `state` (string): Two-letter state or territory code (TX, PR) or name
- `status` (string): closed, or pipeline (CHAP awarded, Financing Plan submitted, RCC issued)
- `tax_credits` (string)

### `get_housing_authority` (~148 tokens)

One housing authority's RAD record

A public housing authority's RAD record: closed conversions (units, PBV/PBRA, tax credits, FHA), deals between CHAP and closing, remaining public housing units and their weighted 2026 RAD rent, and its conversions list. Give the HUD PHA code (IL002), the rad.loans page URL, or name + state.

Input parameters:

- `code` (string): HUD PHA code, e.g. IL002
- `name` (string): Housing authority name or part of it
- `state` (string): Two-letter state or territory code (TX, PR) or name
- `url` (string): A rad.loans /pha/ page URL

### `get_rad_rents` (~159 tokens)

2026 RAD rents for a public housing project

HUD's 2026 RAD contract rent for unconverted public housing projects, with the PBV (110% FMR) and PBRA (120% FMR) caps, HUD's 90/10, 60/40 and 30/70 blend rent estimates, the utility allowance and 2024 operating fund and tenant rent per unit month. Give a PIC project number, or project/pha name with state.

Input parameters:

- `limit` (integer)
- `pha` (string): Housing authority name
- `pic` (string): HUD PIC development number, e.g. AK001000213
- `project` (string)
- `state` (string): Two-letter state or territory code (TX, PR) or name

### `size_rad_debt` (~316 tokens)

Size a RAD first mortgage

First-mortgage sizing for a RAD property under FHA 223(f), FHA 221(d)(4), Freddie Mac (HUD Section 8), Fannie Mae Affordable Housing Preservation: the loan each execution supports by coverage and by loan ratio, which test binds, and annual debt service including FHA's 0.25% premium. Defaults come from HUD Mortgagee Letter 2025-03, the MAP Guide, 90 FR 45789 and the Fannie Mae and Freddie Mac term sheets, with HUD's median FHA note rates. Same math as rad.loans/tools/rad-debt-sizer/. A sketch, not a loan offer.

Input parameters:

- `execution` (string): One execution; omit for all
- `monthly_rent` (number, required): Contract rent per unit per month, dollars
- `opex_per_unit` (number): Operating costs per unit per year (default 7200)
- `other_income` (number): Other income per unit per month (default 0)
- `rate` (number): Override the interest rate, percent
- `reserves_per_unit` (number): Replacement reserve per unit per year (default 350)
- `total_cost` (number): Total development cost, for 221(d)(4) loan to cost
- `units` (integer, required)
- `vacancy_pct` (number): Default 3 (ML 2025-03 for 90%+ assisted)
- `value` (number): As-is or as-complete value, for the loan-to-value test

### `get_rad_program_facts` (~81 tokens)

Current RAD program facts

The current state of RAD law and terms, each with its primary source: permanence and the 555,000-unit cap (Public Law 119-101 section 212, July 2026), the governing notices, PBV and PBRA contract terms, FHA premium and underwriting, the 2026 LIHTC bond test, agency terms.

### `get_financing_quote_link` (~108 tokens)

RAD financing quote link

The page where a housing authority, developer or owner can request a financing quote for a RAD conversion, Section 18 blend, PRAC or Component 2 conversion, or a refinance of a converted property, from Janover Capital LLC. Optional prefill. Returns a link only; it submits nothing.

Input parameters:

- `pha` (string): Housing authority and project, to prefill
- `topic` (string): What the deal is, to prefill
- `units` (integer)

## Diagnostics

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

## Score history

- 2026-11-05: 67
- 2026-11-04: 67
- 2026-11-03: 66
- 2026-11-02: 66
- 2026-11-01: 65

## Common questions

### What is the Conversion Ledger (RAD) MCP server?

Conversion Ledger (RAD) is an MCP server listed in the public MCP registry as loans.rad/rad-loans. HUD RAD conversions, housing authority records, 2026 RAD rents, program facts and debt sizing. This page covers its hosted endpoint (https://rad.loans/mcp).

### Is the Conversion Ledger (RAD) MCP server safe to use?

Conversion Ledger (RAD) scores 67 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 Conversion Ledger (RAD) MCP server expose?

Conversion Ledger (RAD) exposes 6 tools: search_conversions, get_housing_authority, get_rad_rents, size_rad_debt, get_rad_program_facts, get_financing_quote_link. Their descriptions and schemas cost roughly 1,015 tokens of context every time the server is loaded.

### Does the Conversion Ledger (RAD) MCP server require authentication?

No. We connected to Conversion Ledger (RAD) without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the Conversion Ledger (RAD) MCP server still maintained?

Conversion Ledger (RAD) 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://rad.loans/mcp
- Website: https://rad.loans/developers/
- Changelog RSS feed: https://verifymcp.io/servers/loans-rad-rad-loans/rad.xml
- Changelog JSON feed: https://verifymcp.io/servers/loans-rad-rad-loans/rad.json
- HTML version of this page: https://verifymcp.io/servers/loans-rad-rad-loans/rad