Porchlight: 2-4 unit loan limits and owner-occupant math
REMOTE · MULTIFAMILYFOR.SALE
FHA and conforming 2-4 unit loan limits by county, plus owner-occupant house-hack math.
Available components
Last scanned (4 hours ago)
Scores higher than 54% of remote servers
Reachable. Last reached 5 Nov 2026.
Category Finance and Payments
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. How we score → Why this is hard to score →
Endpoint Security74
- The endpoint's TLS certificate is valid, in date, and uses a strong key. View diagnostics → Pass
- No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one. See how to fix → View diagnostics → Partial
- HTTPS is enforced; there's no plaintext access path. View diagnostics → Pass
- HSTS check failed: the Strict-Transport-Security header is absent. See how to fix → View diagnostics → Fail
- DNSSEC check failed: this domain isn't protected by DNSSEC. See how to fix → View diagnostics → Fail
Transport & Reachability100
- Verified streamable-http transport via a live MCP handshake. View diagnostics → Pass
Schema Quality & AI Usability57
- AI-judged instruction clarity (good).Pass
- Context-footprint check failed: tool/resource definitions use about 970 tokens (~323/item across 3 items; 3 tools + 0 resources), over budget; trim descriptions and params. See how to fix → Fail
- Usage-examples check failed: none of the tools include examples. See how to fix → Fail
Stability & Change Management10
- Stability observed for 3 of 30 days with no destabilising changes; credit accrues until the full window elapses.Partial
Tool Coverage100
- 100% of tools have a non-trivial description (not blank, and not just the tool's name).Pass
- 100% of tool parameters carry a description.Pass
Tool Safety100
- No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.Pass
- We read all 3 captured tool definition(s), and no name or description among them implies an irreversible operation.Pass
- An AI judge read all 4 captured unit(s) of tool text and found none that tries to manipulate the model reading it.Pass
Capabilities100
- Implements a current MCP spec version (2026-07-28).Pass
Every change we have recorded for this component, newest first. Security-relevant changes are always shown. ▲ marks a change for the better, ▼ a change for the worse; unmarked changes are neutral.
- 4 Nov 26 +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.
- 3 Nov 26 0
- Stability: unverified → 0.03 ▲ functional
- 2 Nov 26 68
First indexed and scored.
Diagnostic detail from the automated scan of this channel: what the scanner observed at each step, so you can see exactly where a check passed or failed. It is informational only and never changes the trust score.
Captured 5 Nov 2026 · Probed https://multifamilyfor.sale/mcp
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=multifamilyfor.sale | CN=WE1,O=Google Trust Services,C=US | 24 Oct 2026 | 22 Jan 2027 | ECDSA 256 | ECDSA-SHA256 | 7f55077b8fed94290eb2e0c40a7bb9a5 |
| SANs: multifamilyfor.sale | ||||||
| CN=WE1,O=Google Trust Services,C=US (CA) | CN=GTS Root R4,O=Google Trust Services LLC,C=US | 13 Dec 2023 | 20 Feb 2029 | ECDSA 256 | ECDSA-SHA384 | 7ff31977972c224a76155d13b6d685e3 |
| CN=GTS Root R4,O=Google Trust Services LLC,C=US (CA) | CN=GlobalSign Root CA,OU=Root CA,O=GlobalSign nv-sa,C=BE | 15 Nov 2023 | 28 Jan 2028 | ECDSA 384 | SHA256-RSA | 7fe530bf331343bedd821610493d8a1b |
Background: What to check on a remote MCP endpoint →
DNSSEC insecure
Validation of multifamilyfor.sale. — Not signed
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| sale. | present | 58006 | 8 | Verified |
| multifamilyfor.sale. | absent | Unsigned (proven) parent-signed NSEC/NSEC3 proves an unsigned delegation |
Authentication No authorisation required
The endpoint answered without asking for a token. Anyone who knows the URL can reach it.
| Result | No authorisation required |
|---|---|
| HTTP status | 200 |
Background: How OAuth 2.1 works in the 2026 MCP spec →
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://multifamilyfor.sale/mcp | Verified | 200 | |
| http (plaintext) | http://multifamilyfor.sale/mcp | HTTPS enforced | 301 | https://multifamilyfor.sale/mcp |
The tools this component advertises to a client, with an estimated token cost for each. Expand a tool to see its parameters and schema. The per-tool counts are indicative and are not scored directly; the schema's total context footprint is one signal in Schema Quality & AI Usability. A tool's description is untrusted text the model reads on every call, which is what makes this list a security surface and not just an inventory: how tool poisoning works →
get_loan_limits FHA and conforming loan limits for a county ~137
The current-year FHA forward and FHFA conforming loan limits for 1, 2, 3 and 4 units in one county (or parish, borough, planning region, municipio), whether FHA treats it as high-cost, the 1-unit conforming figure VA uses with entitlement in use, and the highest price that keeps an FHA base loan inside the limit at 3.5% down.
| Name | Type | Req | Description |
|---|---|---|---|
| county | string | yes | County or equivalent name, e.g. "Los Angeles" or "Kent County". |
| state | string | yes | Two-letter state or territory code, e.g. CA, DC or PR. |
No output schema declared.
No examples provided.
house_hack_math Owner-occupant math for a duplex, triplex or fourplex ~419
Runs the site's 2-4 unit owner-occupant calculator: down payment, base loan, FHA upfront and annual MIP, the monthly PITI, the loan against the county limit (when state and county are given), FHA's self-sufficiency test on 3-4 units, the rent a lender can count (75% of the other units), net monthly cost after their rent, and the reserves rule for FHA, VA or conventional.
| Name | Type | Req | Description |
|---|---|---|---|
| county | string | – | Optional county name (needs state). |
| down_payment_pct | number | – | Down payment as % of price. Defaults to 3.5 (FHA), 0 (VA) or 5 (Conventional). |
| finance_upfront_mip | boolean | – | FHA only: add the 1.75% upfront premium to the loan. |
| insurance_annual | number | – | Annual homeowners insurance in dollars. |
| loan_type | string | yes | Loan program. |
| price | number | yes | Purchase price in dollars. |
| property_tax_annual | number | – | Annual property tax in dollars. |
| rate_pct | number | yes | Interest rate in percent, e.g. 6.5. Use the rate the buyer was quoted; there is no default. |
| rents | array | yes | Monthly market rent per unit, one per unit; the first is the unit the buyer will live in. E.g. [1800, 1800, 1800]. |
| state | string | – | Optional two-letter state code, to check the loan against the county limit. |
| term_years | integer | – | Loan term. |
| units | integer | yes | Units in the building: 2 duplex, 3 triplex, 4 fourplex. |
| va_entitlement | string | – | VA only: full (none in use) or partial (some still in use on another loan). |
| vacancy_pct | number | – | Appraiser's vacancy and maintenance estimate, %. The self-sufficiency test uses the greater of this or 25. |
No output schema declared.
No examples provided.
list_state_loan_limits Loan limits for every county in a state ~164
One state or territory's current-year FHA and conforming loan limits for 2, 3 and 4 units, county by county, with how many counties sit at the FHA floor and the highest FHA limits. Sort by name or by the FHA limit for a unit count; filter to high-cost counties; page with limit and offset.
| Name | Type | Req | Description |
|---|---|---|---|
| high_cost_only | boolean | – | Only counties whose FHA limit is above the national floor. |
| limit | integer | – | Counties per page. |
| offset | integer | – | Counties to skip, for paging. |
| sort | string | – | Order of the county list. |
| state | string | yes | Two-letter state or territory code, e.g. FL. |
| units | integer | – | Unit count the FHA sort uses. |
No output schema declared.
No examples provided.
How do I install the Porchlight: 2-4 unit loan limits and owner-occupant math MCP server?
Porchlight: 2-4 unit loan limits and owner-occupant math is a hosted endpoint at https://multifamilyfor.sale/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.
remote · multifamilyfor.sale
claude mcp add --transport http sale-multifamilyfor-multifamilyfor-sale 'https://multifamilyfor.sale/mcp'
What is the Porchlight: 2-4 unit loan limits and owner-occupant math MCP server?
Porchlight: 2-4 unit loan limits and owner-occupant math is an MCP server listed in the public MCP registry as sale.multifamilyfor/multifamilyfor-sale. FHA and conforming 2-4 unit loan limits by county, plus owner-occupant house-hack math. This page covers its hosted endpoint (https://multifamilyfor.sale/mcp).
Is the Porchlight: 2-4 unit loan limits and owner-occupant math MCP server safe to use?
Porchlight: 2-4 unit loan limits and owner-occupant math 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 Porchlight: 2-4 unit loan limits and owner-occupant math MCP server expose?
Porchlight: 2-4 unit loan limits and owner-occupant math exposes 3 tools: get_loan_limits, list_state_loan_limits, house_hack_math. Their descriptions and schemas cost roughly 720 tokens of context every time the server is loaded.
Does the Porchlight: 2-4 unit loan limits and owner-occupant math MCP server require authentication?
No. We connected to Porchlight: 2-4 unit loan limits and owner-occupant math without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.
Is the Porchlight: 2-4 unit loan limits and owner-occupant math MCP server still maintained?
Porchlight: 2-4 unit loan limits and owner-occupant math 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.