# Relendi — Commercial Real Estate Loan Tools (remote · relendi.com)

Free CRE loan sizing, DSCR stress tests, payments, closing costs and cited lending knowledge.

- Trust score: 74/100 (medium)
- Change this week: +3
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-09-26

## Components

- remote · `relendi.com`: 74/100 (this document), [markdown](https://verifymcp.io/servers/royamir1-relendi-cre/api-mcp-public.md), [page](https://verifymcp.io/servers/royamir1-relendi-cre/api-mcp-public)

## Channel facts

- Endpoint: `https://relendi.com/api/mcp/public`
- Transports: `streamable-http`
- Auth: `none`
- Version: `0.2.0`

## 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 2026-09-26.

- **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**: 61/100
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 1699 tokens (~154/item across 11 items; 11 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 37/100
  - Stability observed for 11 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 75/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 24% 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 11 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 12 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 Relendi — Commercial Real Estate Loan Tools MCP server?

Relendi — Commercial Real Estate Loan Tools is a hosted endpoint at https://relendi.com/api/mcp/public, 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 royamir1-relendi-cre 'https://relendi.com/api/mcp/public'
```

### Cursor

```json
{
  "mcpServers": {
    "royamir1-relendi-cre": {
      "url": "https://relendi.com/api/mcp/public"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "royamir1-relendi-cre": {
      "type": "http",
      "url": "https://relendi.com/api/mcp/public"
    }
  }
}
```

### Codex

```toml
[mcp_servers.royamir1-relendi-cre]
url = "https://relendi.com/api/mcp/public"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "royamir1-relendi-cre": {
      "type": "remote",
      "url": "https://relendi.com/api/mcp/public",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add royamir1-relendi-cre --url 'https://relendi.com/api/mcp/public' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  royamir1-relendi-cre:
    url: "https://relendi.com/api/mcp/public"
```

### Netclaw

```json
{
  "McpServers": {
    "royamir1-relendi-cre": {
      "Transport": "http",
      "Url": "https://relendi.com/api/mcp/public"
    }
  }
}
```

### Vellum

```bash
assistant mcp add royamir1-relendi-cre -t streamable-http -u 'https://relendi.com/api/mcp/public'
```

### Other

```json
{
  "mcpServers": {
    "royamir1-relendi-cre": {
      "type": "http",
      "url": "https://relendi.com/api/mcp/public"
    }
  }
}
```

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.

### 2026-09-25 (score 74, +1)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-09-23 (score 73, +1)

No change was recorded against any check on this day. Stability & Change Management went from 23 to 27. That category is still filling its 30-day observation window: 7 days of observed history at the previous scan, 8 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-21 (score 72, +1)

No change was recorded against any check on this day. Stability & Change Management went from 17 to 20. That category is still filling its 30-day observation window: 5 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.

### 2026-09-19 (score 71, +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.

### 2026-09-17 (score 70, +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.

### 2026-09-16 (score 69, 0)

- [functional improvement] Stability: unverified → 0.03

### 2026-09-15 (score 69)

First indexed and scored.

## MCP tools (11)

### `size_loan` (~119 tokens)

Size Loan

Size a commercial real estate loan from first principles. Returns the maximum supportable loan as the MINIMUM of four constraints — loan-to-value, debt-service-coverage, debt yield and loan-to-cost — plus which one binds. Deterministic math on the numbers you supply; it does not quote lender terms.

Input parameters:

- `estimatedValue` (number, required): Property value in dollars
- `netOperatingIncome` (number, required): Annual NOI in dollars
- `thresholds` (object)
- `totalCost` (number): Total project cost, for the LTC test

### `run_scenario` (~119 tokens)

Run Scenario

Run what-if loan sizing across a range of assumptions: a rate ladder, an NOI sensitivity table, or the feasibility of a target loan amount against each constraint. Deterministic — same math as size_loan, swept.

Input parameters:

- `desiredLoanAmount` (number)
- `estimatedValue` (number, required)
- `mode` (string, required)
- `netOperatingIncome` (number, required)
- `noiDeltaPcts` (array)
- `rates` (array)
- `thresholds` (object)
- `totalCost` (number)

### `calculate_metrics` (~214 tokens)

Calculate Metrics

Compute the standard commercial real estate underwriting metrics from raw figures: NOI, cap rate, DSCR, debt yield, LTV, LTC, operating expense ratio, break-even occupancy and yield on cost. Supply whatever you have — each metric is returned only when its inputs are present, with the formula used. Use this instead of computing CRE ratios yourself.

Input parameters:

- `amortizationYears` (integer)
- `annualDebtService` (number): Annual, not monthly
- `annualExpenses` (number): Annual operating expenses (excl. debt service)
- `annualRevenue` (number): Gross/effective annual revenue
- `loanAmount` (number)
- `netOperatingIncome` (number): Supply directly, or let it derive from revenue - expenses
- `propertyValue` (number)
- `purchasePrice` (number)
- `rate` (number): DECIMAL (0.0725 = 7.25%), used to derive debt service
- `totalProjectCost` (number): For LTC and yield-on-cost

### `calculate_payment` (~122 tokens)

Calculate Payment

Amortizing and interest-only payment math for a commercial loan: monthly and annual debt service, total interest over the term, and the balloon balance at maturity when the term is shorter than the amortization (the normal CRE case — a 10-year term on a 30-year schedule).

Input parameters:

- `amortizationYears` (integer)
- `interestOnly` (boolean)
- `loanAmount` (number, required)
- `rate` (number, required): DECIMAL (0.0725 = 7.25%)
- `termYears` (number): Balloon at this point

### `stress_test` (~136 tokens)

Stress Test

Stress a loan against rate shocks, income decline, and combined scenarios. Returns stressed DSCR per scenario with a pass/marginal/fail verdict — the same tests a credit committee runs. Rates are PERCENT (7.25 = 7.25%).

Input parameters:

- `amortizationYears` (number, required): Amortization in years; 0 = interest-only
- `loanAmount` (number, required)
- `minDscr` (number)
- `netOperatingIncome` (number, required)
- `propertyValue` (number, required)
- `rate` (number, required): Current annual rate, percent (7.25 = 7.25%)

### `estimate_closing_costs` (~271 tokens)

Estimate Closing Costs

Itemize commercial closing costs for a New York or Florida transaction — lender, title, government (mortgage recording tax, transfer taxes) prepaid and third-party lines. Returns every line item plus totals. For New York you MUST say whether the property is in New York City: the city's recording and transfer taxes are several times the upstate rates and one of them does not exist outside the five boroughs.

Input parameters:

- `annualInsurance` (number)
- `annualPropertyTax` (number)
- `brokerFeePercent` (number)
- `cemaEnabled` (boolean): NY refinance only. CEMA assigns rather than discharges the existing mortgage so recording tax applies to new money only. Defaults to FALSE because it requires the existing lender's cooperation, which…
- `existingMortgageBalance` (number)
- `interestRate` (number)
- `isNYC` (boolean): REQUIRED when state is NY. True = five boroughs (NYC recording tax + Real Property Transfer Tax). False = anywhere else in New York State.
- `isRefinance` (boolean, required)
- `loanAmount` (number, required)
- `originationFeePercent` (number)
- `propertyValue` (number, required)
- `state` (string, required)

### `analyze_cash_out_refinance` (~212 tokens)

Analyze Cash Out Refinance

Full cash-out refinance waterfall: the largest new loan the property supports across LTV, DSCR and debt-yield, then down through payoff, prepayment penalty and closing costs to net cash in hand. Includes NY CEMA savings when applicable. prepaymentPenaltyPercent is REQUIRED — omitting a penalty overstates the borrower's proceeds by its entire amount, so state 0 explicitly when there is none.

Input parameters:

- `amortizationYears` (number, required)
- `cemaEnabled` (boolean)
- `existingLoanBalance` (number, required)
- `maxLtv` (number)
- `minDebtYield` (number)
- `minDscr` (number)
- `noi` (number, required)
- `prepaymentPenaltyPercent` (number, required): Percent of payoff balance. Required — state 0 if none.
- `propertyValue` (number, required)
- `rate` (number, required): New loan rate, percent (6.85 = 6.85%)
- `state` (string, required)

### `compare_loan_offers` (~76 tokens)

Compare Loan Offers

Rank competing loan offers by true cost of capital, not headline rate. Accounts for origination, exit and other fees over the actual term, and returns an effective rate, total cost and fee burden in basis points for each — so a 'cheaper' rate with heavy fees sorts correctly.

Input parameters:

- `offers` (array, required)

### `search_cre_knowledge` (~66 tokens)

Search Cre Knowledge

Search Relendi's curated commercial-real-estate knowledge base — lending concepts, deal lifecycle, typical fees and timelines. Returns source-cited excerpts. Use it to ground CRE answers rather than relying on memory.

Input parameters:

- `query` (string, required)
- `topK` (integer)

### `ask_cre_question` (~58 tokens)

Ask Cre Question

Ask a plain-English question about commercial real estate lending and get a short answer grounded in Relendi's knowledge base, with citations. For loan math prefer size_loan or run_scenario, which are exact.

Input parameters:

- `question` (string, required)

### `prepare_deal` (~238 tokens)

Prepare Deal

Prepare a Move this deal to Relendi link from the user's CRE scenario. Use when the user wants to keep a deal, continue in Relendi, or carry property details beyond a calculator. Include only facts the user supplied, not guessed values or calculated loan limits as a requested amount. This does not save or submit anything: the user follows the link, reviews the inputs and signs up or signs in to save a private draft. Do not include personal or account information.

Input parameters:

- `address` (object)
- `amortizationYears` (integer)
- `annualExpenses` (number)
- `annualRevenue` (number)
- `assetClass` (string)
- `assumptions` (object)
- `estimatedValue` (number)
- `interestOnly` (boolean)
- `netOperatingIncome` (number)
- `numberOfUnits` (integer)
- `purchasePrice` (number)
- `requestedInterestRate` (number): PERCENT: 7.25 means 7.25%
- `requestedLoanAmount` (number)
- `totalCost` (number)
- `transactionType` (string)

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/royamir1-relendi-cre/api-mcp-public#diagnostics

## Score history

- 2026-09-26: 74
- 2026-09-25: 74
- 2026-09-24: 73
- 2026-09-23: 73
- 2026-09-22: 72
- 2026-09-21: 72
- 2026-09-20: 71
- 2026-09-19: 71
- 2026-09-18: 70
- 2026-09-17: 70
- 2026-09-16: 69
- 2026-09-15: 69

## Common questions

### What is the Relendi — Commercial Real Estate Loan Tools MCP server?

Relendi — Commercial Real Estate Loan Tools is an MCP server listed in the public MCP registry as io.github.royamir1/relendi-cre. Free CRE loan sizing, DSCR stress tests, payments, closing costs and cited lending knowledge. This page covers its hosted endpoint (https://relendi.com/api/mcp/public).

### Is the Relendi — Commercial Real Estate Loan Tools MCP server safe to use?

Relendi — Commercial Real Estate Loan Tools scores 74 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 Relendi — Commercial Real Estate Loan Tools MCP server expose?

Relendi — Commercial Real Estate Loan Tools exposes 11 tools: size_loan, run_scenario, calculate_metrics, calculate_payment, stress_test, and 6 more. Their descriptions and schemas cost roughly 1,631 tokens of context every time the server is loaded.

### Does the Relendi — Commercial Real Estate Loan Tools MCP server require authentication?

No. We connected to Relendi — Commercial Real Estate Loan Tools without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the Relendi — Commercial Real Estate Loan Tools MCP server still maintained?

Relendi — Commercial Real Estate Loan Tools is still listed as active in the MCP registry. We last reached this channel on 26 September 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://relendi.com/api/mcp/public
- Website: https://relendi.com/mcp
- Changelog RSS feed: https://verifymcp.io/servers/royamir1-relendi-cre/api-mcp-public.xml
- Changelog JSON feed: https://verifymcp.io/servers/royamir1-relendi-cre/api-mcp-public.json
- HTML version of this page: https://verifymcp.io/servers/royamir1-relendi-cre/api-mcp-public