# Bedcount: student housing data by campus (remote · studenthousing.loans)

IPEDS enrollment, college housing beds and bed gap at 693 US campuses, plus a loan sizer.

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

## Components

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

## Channel facts

- Endpoint: `https://studenthousing.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 (excellent).
  - Context-footprint check failed: tool/resource definitions use about 1275 tokens (~425/item across 3 items; 3 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 3 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 4 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 Bedcount: student housing data by campus MCP server?

Bedcount: student housing data by campus is a hosted endpoint at https://studenthousing.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-studenthousing-studenthousing-loans 'https://studenthousing.loans/mcp'
```

### Cursor

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

### VS Code

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

### Codex

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

### opencode

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

### OpenClaw

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

### Hermes

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

### Netclaw

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

### Vellum

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

### Other

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

No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.

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

- [functional improvement] Stability: unverified → 0.03

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

First indexed and scored.

## MCP tools (3)

### `get_campus` (~194 tokens)

Student housing data for one campus

One US four-year campus (3,000+ full-time students) from federal IPEDS data: fall 2024 enrollment (total, full-time, undergraduate, graduate, online share, change from 2023), college-controlled housing beds for 2024-25, beds per 100 full-time students, the bed gap, typical housing and food charges, aid-office housing budgets, and whether it meets Fannie Mae's 10,000-student campus-size test. Find it by name (with optional state) or IPEDS UNITID.

Input parameters:

- `name` (string): Campus name or distinctive words from it, e.g. "University of Florida" or "texas austin".
- `state` (string): Two-letter state code to narrow a name match, e.g. TX.
- `unitid` (string): Six-digit IPEDS UNITID, e.g. 228778. Overrides name.

### `search_campuses` (~289 tokens)

Find and rank campuses by students and beds

Lists US four-year campuses (3,000+ full-time students) filtered by state, city, name words, sector, whether the college offers housing, Fannie Mae campus-size test, or minimum full-time enrollment, ranked by bed gap, enrollment, college beds, beds per 100 students or housing charge. Each row gives fall 2024 enrollment, 2024-25 college-controlled beds, bed gap, housing charge and the campus page link.

Input parameters:

- `city` (string): City name, e.g. "Austin".
- `fannie_campus_size_test` (boolean): true = only campuses with 10,000+ students, majority full-time (Fannie Mae Dedicated Student Housing campus-size test).
- `limit` (integer): Rows to return (max 25).
- `min_fulltime` (integer): Minimum full-time students, fall 2024.
- `name` (string): Words from the campus name, e.g. "state university".
- `offers_housing` (boolean): true = only colleges that provide housing; false = only those that provide none.
- `offset` (integer): Rows to skip, for paging.
- `order` (string): desc = largest first.
- `sector` (string): Control of the institution.
- `sort` (string): Ranking field.
- `state` (string): Two-letter state code, e.g. TX.

### `size_loan` (~504 tokens)

Size a student housing loan by the bed

The studenthousing.loans by-the-bed loan sizer: from beds, rent per bed, months collected, vacancy, expenses, reserves, value and your own interest rate, returns net operating income and the loan allowed by max LTV, min DSCR and an optional debt yield, the maximum loan (the smallest), which test binds, annual debt service and loan per bed. Presets are Freddie Mac's published student housing LTV/DSCR tiers.

Input parameters:

- `amortization_years` (integer): Amortization in years, 0 = interest only. Default 30 (0 with the full-IO preset).
- `beds` (integer, required): Number of beds.
- `interest_rate_pct` (number, required): Your own quoted interest rate, percent, e.g. 6.25.
- `max_ltv_pct` (number): Max loan-to-value, percent. Overrides the preset.
- `min_debt_yield_pct` (number): Minimum debt yield, percent. Omit or 0 to skip the test.
- `min_dscr` (number): Minimum debt service coverage, e.g. 1.25. Overrides the preset.
- `months_collected` (number): Months of rent collected a year: 12 on 12-month leases, less if summer is empty.
- `opex_per_bed_year` (number, required): Operating expenses per bed per year (taxes, insurance, payroll, utilities, turnover), dollars.
- `other_income_per_bed_month` (number): Other income per bed per month (parking, fees, utility bill-backs), dollars.
- `preset` (string): Freddie Mac student housing tier: freddie_5_7yr = 75% LTV / 1.30x; freddie_over_7yr = 80% / 1.30x; freddie_full_io_5_7yr = 65% / 1.30x, interest only.
- `rent_per_bed_month` (number, required): Rent per bed per month, dollars.
- `reserves_per_bed_year` (number): Replacement reserves per bed per year, dollars. Default 150, Freddie Mac's stated minimum per bed.
- `vacancy_pct` (number): Vacancy, concessions and bad debt, percent of rent. Default 5, Fannie Mae's by-the-bed floor with a T-12 (10 without one).
- `value` (number, required): Property value or purchase price, dollars.

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/loans-studenthousing-studenthousing-loans/studenthousing#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 Bedcount: student housing data by campus MCP server?

Bedcount: student housing data by campus is an MCP server listed in the public MCP registry as loans.studenthousing/studenthousing-loans. IPEDS enrollment, college housing beds and bed gap at 693 US campuses, plus a loan sizer. This page covers its hosted endpoint (https://studenthousing.loans/mcp).

### Is the Bedcount: student housing data by campus MCP server safe to use?

Bedcount: student housing data by campus 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 Bedcount: student housing data by campus MCP server expose?

Bedcount: student housing data by campus exposes 3 tools: get_campus, search_campuses, size_loan. Their descriptions and schemas cost roughly 987 tokens of context every time the server is loaded.

### Does the Bedcount: student housing data by campus MCP server require authentication?

No. We connected to Bedcount: student housing data by campus without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the Bedcount: student housing data by campus MCP server still maintained?

Bedcount: student housing data by campus 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://studenthousing.loans/mcp
- Website: https://studenthousing.loans/developers/
- Changelog RSS feed: https://verifymcp.io/servers/loans-studenthousing-studenthousing-loans/studenthousing.xml
- Changelog JSON feed: https://verifymcp.io/servers/loans-studenthousing-studenthousing-loans/studenthousing.json
- HTML version of this page: https://verifymcp.io/servers/loans-studenthousing-studenthousing-loans/studenthousing