# Stackup: Fannie, Freddie and HUD multifamily loan sizing (remote · multifamily.online)

Size an apartment loan under Fannie Mae, Freddie Mac and HUD published limits, side by side.

- Trust score: 69/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `multifamily.online`: 69/100 (this document), [markdown](https://verifymcp.io/servers/online-multifamily-multifamily-online/multifamily.md), [page](https://verifymcp.io/servers/online-multifamily-multifamily-online/multifamily)

## Channel facts

- Endpoint: `https://multifamily.online/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. 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**: 55/100
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 1250 tokens (~416/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**: 10/100
  - Stability observed for 3 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 Stackup: Fannie, Freddie and HUD multifamily loan sizing MCP server?

Stackup: Fannie, Freddie and HUD multifamily loan sizing is a hosted endpoint at https://multifamily.online/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 online-multifamily-multifamily-online 'https://multifamily.online/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "online-multifamily-multifamily-online": {
      "url": "https://multifamily.online/mcp"
    }
  }
}
```

### VS Code

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

### Codex

```toml
[mcp_servers.online-multifamily-multifamily-online]
url = "https://multifamily.online/mcp"
```

### opencode

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

### OpenClaw

```bash
openclaw mcp add online-multifamily-multifamily-online --url 'https://multifamily.online/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  online-multifamily-multifamily-online:
    url: "https://multifamily.online/mcp"
```

### Netclaw

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

### Vellum

```bash
assistant mcp add online-multifamily-multifamily-online -t streamable-http -u 'https://multifamily.online/mcp'
```

### Other

```json
{
  "mcpServers": {
    "online-multifamily-multifamily-online": {
      "type": "http",
      "url": "https://multifamily.online/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 69, +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.

### 2026-11-03 (score 68, 0)

- [functional improvement] Stability: unverified → 0.03

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

First indexed and scored.

## MCP tools (3)

### `compare_programs` (~725 tokens)

Size one apartment building under Fannie Mae, Freddie Mac and HUD loans

Runs the multifamily.online comparison app on one 5+ unit building: for Fannie Mae DUS and Small Loans, Freddie Mac Optigo Conventional and Conventional Small, and HUD 223(f), 221(d)(4) and 223(a)(7), returns whether it fits the published limits (or why not), max loan by LTV/LTC and by DSCR, the binding limit, estimated monthly payment incl. HUD MIP, term, and warnings, ranked by max loan. SBA, bank, CMBS, bridge and DSCR loans are listed as ineligible or unpublished.

Input parameters:

- `amortization_years` (integer): 0 = each program's maximum amortization (the default), or 25, 30 or 35 years for every program.
- `assisted_pct` (number): Percent of units under project-based rental assistance (HAP/Section 8). 90+ gets HUD's assisted limits.
- `closing` (string): When you need to close.
- `current_balance` (number): Current loan balance in dollars (refinance and cash-out).
- `desired_loan` (number): Loan amount you want, in dollars. 0 or omitted = the most each program allows.
- `fha_insured` (boolean): Whether the current loan is already FHA-insured (needed for HUD 223(a)(7)).
- `fha_years_left` (integer): Years left on the FHA-insured loan, for 223(a)(7). Default 25.
- `gross_rent` (number): Gross scheduled rent per year, used only when noi is omitted.
- `hold_years` (integer): How long you plan to keep the loan or property, in years. Drives Freddie Mac term choice and prepayment warnings. Default 10.
- `noi` (number): Net operating income in dollars per year (projected stabilized NOI for construction). Omit and give gross_rent + operating_expenses instead to compute it.
- `operating_expenses` (number): Operating expenses per year, used only when noi is omitted.
- `other_income` (number): Other income per year (parking, laundry), used only when noi is omitted.
- `property_type` (string): market_rate, or affordable (rent-restricted, e.g. LIHTC).
- `purpose` (string, required): What the loan is for. construction = new construction or substantial rehab.
- `rate_pct` (number): Optional all-in interest rate in percent. Replaces Treasury + spread when given.
- `recourse` (string): Whether you need a non-recourse loan.
- `rent_advantage` (boolean): Affordable only: restricted rents sit below market rents (HUD calls this a rent advantage; it gets HUD's affordable limits). Default true.
- `spread_pct` (number): Spread over the Treasury, in percent. Default 1.75 is the site's example, not a quote; lenders do not publish spreads.
- `stabilized` (boolean): Whether the property is at stabilized occupancy now.
- `treasury_tenor` (integer): Treasury tenor the rate is built on: 5, 7 or 10 years. Default 10.
- `units` (integer, required): Number of residential units (5 or more).
- `vacancy_pct` (number): Vacancy and credit loss as a percent of rent plus other income, used only when noi is omitted. Default 5.
- `value` (number, required): Purchase price (purchase), current value (refinance or cash-out) or total development cost (construction), in dollars.

### `get_program_terms` (~138 tokens)

Published terms for a multifamily loan program

Published limits for one multifamily loan program or all of them, as multifamily.online lists them: max LTV or LTC, minimum DSCR, term and amortization, prepayment, recourse, structure, HUD mortgage insurance where it applies, and the agency source document with its date and URL. Covers Fannie Mae DUS and Small Loans, Freddie Mac Optigo Conventional and Conventional Small, HUD 223(f), 221(d)(4), 223(a)(7), SBA, bank, CMBS, bridge and DSCR loans.

Input parameters:

- `program` (string): Which program. Omit or "all" for every program.

### `get_treasury_yields` (~80 tokens)

Treasury yields and SOFR behind agency multifamily rates

The latest 5-, 7- and 10-year U.S. Treasury par yields and overnight SOFR that the multifamily.online app builds its example rate on, each with its as-of date, the reading a week and a month earlier when available, freshness status and the publisher link (U.S. Treasury, New York Fed).

## Diagnostics

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

## Score history

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

## Common questions

### What is the Stackup: Fannie, Freddie and HUD multifamily loan sizing MCP server?

Stackup: Fannie, Freddie and HUD multifamily loan sizing is an MCP server listed in the public MCP registry as online.multifamily/multifamily-online. Size an apartment loan under Fannie Mae, Freddie Mac and HUD published limits, side by side. This page covers its hosted endpoint (https://multifamily.online/mcp).

### Is the Stackup: Fannie, Freddie and HUD multifamily loan sizing MCP server safe to use?

Stackup: Fannie, Freddie and HUD multifamily loan sizing scores 69 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 Stackup: Fannie, Freddie and HUD multifamily loan sizing MCP server expose?

Stackup: Fannie, Freddie and HUD multifamily loan sizing exposes 3 tools: compare_programs, get_program_terms, get_treasury_yields. Their descriptions and schemas cost roughly 943 tokens of context every time the server is loaded.

### Does the Stackup: Fannie, Freddie and HUD multifamily loan sizing MCP server require authentication?

No. We connected to Stackup: Fannie, Freddie and HUD multifamily loan sizing without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the Stackup: Fannie, Freddie and HUD multifamily loan sizing MCP server still maintained?

Stackup: Fannie, Freddie and HUD multifamily loan sizing 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 Stackup: Fannie, Freddie and HUD multifamily loan sizing MCP server?

VerifyMCP ran 13 checks on Stackup: Fannie, Freddie and HUD multifamily loan sizing, 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://multifamily.online/mcp
- Website: https://multifamily.online/developers/
- Changelog RSS feed: https://verifymcp.io/servers/online-multifamily-multifamily-online/multifamily.xml
- Changelog JSON feed: https://verifymcp.io/servers/online-multifamily-multifamily-online/multifamily/changelog.json
- Trust report (JSON): https://verifymcp.io/servers/online-multifamily-multifamily-online/multifamily.json
- HTML version of this page: https://verifymcp.io/servers/online-multifamily-multifamily-online/multifamily