# RentBuy.org (remote · rentbuy.org)

Compare renting and buying a home over 30 years: scenarios, side-by-side comparisons, rent sweeps.

- Trust score: 77/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-10-06

## Components

- remote · `rentbuy.org`: 77/100 (this document), [markdown](https://verifymcp.io/servers/org-rentbuy-rentbuy/api-mcp.md), [page](https://verifymcp.io/servers/org-rentbuy-rentbuy/api-mcp)

## Channel facts

- Endpoint: `https://rentbuy.org/api/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.3.1`

## 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 2026-10-06.

- **Endpoint Security**: 80/100
  - 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.
  - The HSTS (Strict-Transport-Security) header is present.
  - 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**: 79/100
  - 100% of prompts and resources have a non-trivial description (not blank, and not just the item's name).
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 1029 tokens (~171/item across 6 items; 4 tools + 2 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 20/100
  - Stability observed for 6 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 94/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 80% of tool parameters carry a description.
  - Structured output schemas are declared (100% of tools); any adoption earns full credit.
- **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 6 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).
  - Supports UI / widget rendering.

## Install

### How do I install the RentBuy.org MCP server?

RentBuy.org is a hosted endpoint at https://rentbuy.org/api/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 org-rentbuy-rentbuy 'https://rentbuy.org/api/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "org-rentbuy-rentbuy": {
      "url": "https://rentbuy.org/api/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "org-rentbuy-rentbuy": {
      "type": "http",
      "url": "https://rentbuy.org/api/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.org-rentbuy-rentbuy]
url = "https://rentbuy.org/api/mcp"
```

### opencode

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

### OpenClaw

```bash
openclaw mcp add org-rentbuy-rentbuy --url 'https://rentbuy.org/api/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  org-rentbuy-rentbuy:
    url: "https://rentbuy.org/api/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "org-rentbuy-rentbuy": {
      "Transport": "http",
      "Url": "https://rentbuy.org/api/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add org-rentbuy-rentbuy -t streamable-http -u 'https://rentbuy.org/api/mcp'
```

### Other

```json
{
  "mcpServers": {
    "org-rentbuy-rentbuy": {
      "type": "http",
      "url": "https://rentbuy.org/api/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.

### 2026-10-06 (score 77, +1)

No change was recorded against any check on this day. Stability & Change Management went from 13 to 20. That category is still filling its 30-day observation window: 4 days of observed history at the previous scan, 6 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-04 (score 76, +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.

### 2026-10-02 (score 75, +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.

### 2026-10-01 (score 74, 0)

- [functional improvement] Stability: unverified → 0.03

### 2026-09-30 (score 74)

First indexed and scored.

## MCP tools (4)

### `rentbuy_run_scenario` (~183 tokens)

Run a rent vs buy scenario

Runs one 30-year rent-vs-buy comparison with the rentbuy.org model and returns the winner, the net worth of both households at year 30, the break-even year, totals, year-1 monthly cash and the fully resolved inputs. Give only the inputs you want to change; everything else uses the site defaults. Set detail to "yearly" to also get the 30 year-by-year rows. Use rentbuy_compare_scenarios or rentbuy_sweep instead of calling this repeatedly.

Input parameters:

- `detail` (string): "summary" (default) or "yearly" for the 30 annual rows.
- `inputs` (object): Any subset of the inputs; missing fields use the rentbuy.org defaults. Money in USD, rates in percent points.
- `oneTimeCosts` (array): Up to 20 one-time costs.

Output parameters:

- `advantage` (number): Absolute net worth gap between the two households at year 30, USD.
- `breakEvenYear`: First year in which the buyer is ahead before selling costs, or null if never within 30 years.
- `buyNetWorthAfterSale` (number): Buyer net worth at year 30 after selling costs (home equity plus buyer investments minus selling costs).
- `difference` (number): Signed gap: buyNetWorthAfterSale minus rentNetWorth, USD.
- `meta` (object)
- `oneTimeCosts` (array)
- `rentNetWorth` (number): Renter portfolio at year 30.
- `resolvedInputs` (object): The full input set the calculation used, after defaults and tax pre-fill, in the same units as the request.
- `totals` (object)
- `winner` (string): Which household has more net worth after 30 years, after selling costs on the buy side.
- `year1` (object): Monthly cash in year 1; ownership includes mortgage, property tax, insurance, maintenance and HOA.
- `yearly` (array): Present when detail is "yearly". Net worth figures here are before selling costs.

### `rentbuy_compare_scenarios` (~111 tokens)

Compare named rent vs buy scenarios

Runs 2 to 10 named scenarios side by side and returns each one's winner, year-30 net worth for both households, break-even year and year-1 cash, plus deltas against the first scenario. Each scenario is an independent set of input overrides and one-time costs on top of the site defaults, so name them by what changes ("15-year loan", "rent $4,500"). One call replaces many rentbuy_run_scenario calls.

Input parameters:

- `scenarios` (array, required)

Output parameters:

- `baseline` (string): Name of the first scenario; deltas are relative to it.
- `meta` (object)
- `scenarios` (array)

### `rentbuy_sweep` (~190 tokens)

Sweep one or two inputs

Varies one input (or a grid of two) across a range and returns, for every point, the buyer-minus-renter net worth at year 30 after selling costs, the winner, both net worths and the break-even year, plus the interpolated crossover value where the winner flips for single-parameter sweeps. Give values[] or min, max and steps (2 to 50 per axis, at most 400 grid points). Other inputs come from "base" or the site defaults. Use it for sensitivity questions such as "at what rent does buying win?" or "how does the result change with the mortgage rate?".

Input parameters:

- `axis` (object, required)
- `base` (object): Inputs held fixed during the sweep.
- `oneTimeCosts` (array): Up to 20 one-time costs.
- `secondAxis` (object): Optional second input for a grid.

Output parameters:

- `crossover`: Single-parameter sweeps only: the interpolated value where the winner flips, or null.
- `meta` (object)
- `parameter` (string)
- `points` (array): One row per grid point; difference is buy minus rent at year 30 after selling costs.
- `secondParameter` (string|null)
- `secondUnit` (string|null)
- `unit` (string)

### `rentbuy_open_calculator` (~135 tokens)

Open the RentBuy.org calculator

Opens an interactive rent-vs-buy calculator with editable inputs, net-worth charts, a year-by-year report and Monte Carlo sensitivity analysis. Use when the user wants to see or adjust a scenario. Pass the inputs and one-time costs from the scenario being discussed; missing inputs use the site defaults. Use the other rentbuy tools for calculations, comparisons and sweeps without opening a new panel.

Input parameters:

- `inputs` (object): Any subset of the inputs; missing fields use the rentbuy.org defaults. Money in USD, rates in percent points.
- `oneTimeCosts` (array): Up to 20 one-time costs.

Output parameters:

- `advantage` (number): Absolute net worth gap between the two households at year 30, USD.
- `breakEvenYear`: First year in which the buyer is ahead before selling costs, or null if never within 30 years.
- `buyNetWorthAfterSale` (number): Buyer net worth at year 30 after selling costs (home equity plus buyer investments minus selling costs).
- `difference` (number): Signed gap: buyNetWorthAfterSale minus rentNetWorth, USD.
- `meta` (object)
- `oneTimeCosts` (array)
- `rentNetWorth` (number): Renter portfolio at year 30.
- `resolvedInputs` (object): The full input set the calculation used, after defaults and tax pre-fill, in the same units as the request.
- `totals` (object)
- `winner` (string): Which household has more net worth after 30 years, after selling costs on the buy side.
- `year1` (object): Monthly cash in year 1; ownership includes mortgage, property tax, insurance, maintenance and HOA.
- `yearly` (array): Present when detail is "yearly". Net worth figures here are before selling costs.

## Diagnostics

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

## Score history

- 2026-10-06: 77
- 2026-10-04: 76
- 2026-10-03: 75
- 2026-10-02: 75
- 2026-10-01: 74
- 2026-09-30: 74

## Common questions

### What is the RentBuy.org MCP server?

RentBuy.org is an MCP server listed in the public MCP registry as org.rentbuy/rentbuy. Compare renting and buying a home over 30 years: scenarios, side-by-side comparisons, rent sweeps. This page covers its hosted endpoint (https://rentbuy.org/api/mcp).

### Is the RentBuy.org MCP server safe to use?

RentBuy.org scores 77 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 RentBuy.org MCP server expose?

RentBuy.org exposes 4 tools: rentbuy_run_scenario, rentbuy_compare_scenarios, rentbuy_sweep, rentbuy_open_calculator. Their descriptions and schemas cost roughly 619 tokens of context every time the server is loaded.

### Does the RentBuy.org MCP server require authentication?

No. We connected to RentBuy.org without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the RentBuy.org MCP server still maintained?

RentBuy.org is still listed as active in the MCP registry. We last reached this channel on 4 October 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://rentbuy.org/api/mcp
- Website: https://rentbuy.org/mcp.html
- Changelog RSS feed: https://verifymcp.io/servers/org-rentbuy-rentbuy/api-mcp.xml
- Changelog JSON feed: https://verifymcp.io/servers/org-rentbuy-rentbuy/api-mcp.json
- HTML version of this page: https://verifymcp.io/servers/org-rentbuy-rentbuy/api-mcp