# 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.

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

## Components

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

## Channel facts

- Endpoint: `https://multifamilyfor.sale/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. 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**: 57/100
  - AI-judged instruction clarity (good).
  - 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.
  - 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 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.

### Claude

```bash
claude mcp add --transport http sale-multifamilyfor-multifamilyfor-sale 'https://multifamilyfor.sale/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "sale-multifamilyfor-multifamilyfor-sale": {
      "url": "https://multifamilyfor.sale/mcp"
    }
  }
}
```

### VS Code

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

### Codex

```toml
[mcp_servers.sale-multifamilyfor-multifamilyfor-sale]
url = "https://multifamilyfor.sale/mcp"
```

### opencode

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

### OpenClaw

```bash
openclaw mcp add sale-multifamilyfor-multifamilyfor-sale --url 'https://multifamilyfor.sale/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  sale-multifamilyfor-multifamilyfor-sale:
    url: "https://multifamilyfor.sale/mcp"
```

### Netclaw

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

### Vellum

```bash
assistant mcp add sale-multifamilyfor-multifamilyfor-sale -t streamable-http -u 'https://multifamilyfor.sale/mcp'
```

### Other

```json
{
  "mcpServers": {
    "sale-multifamilyfor-multifamilyfor-sale": {
      "type": "http",
      "url": "https://multifamilyfor.sale/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.

### 2026-11-04 (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.

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

- [functional improvement] Stability: unverified → 0.03

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

First indexed and scored.

## MCP tools (3)

### `get_loan_limits` (~137 tokens)

FHA and conforming loan limits for a county

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.

Input parameters:

- `county` (string, required): County or equivalent name, e.g. "Los Angeles" or "Kent County".
- `state` (string, required): Two-letter state or territory code, e.g. CA, DC or PR.

### `list_state_loan_limits` (~164 tokens)

Loan limits for every county in a state

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.

Input parameters:

- `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, required): Two-letter state or territory code, e.g. FL.
- `units` (integer): Unit count the FHA sort uses.

### `house_hack_math` (~419 tokens)

Owner-occupant math for a duplex, triplex or fourplex

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.

Input parameters:

- `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, required): Loan program.
- `price` (number, required): Purchase price in dollars.
- `property_tax_annual` (number): Annual property tax in dollars.
- `rate_pct` (number, required): Interest rate in percent, e.g. 6.5. Use the rate the buyer was quoted; there is no default.
- `rents` (array, required): 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, required): 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.

## Diagnostics

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

## Score history

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

## Common questions

### 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.

## Links

- Remote endpoint: https://multifamilyfor.sale/mcp
- Website: https://multifamilyfor.sale/developers/
- Changelog RSS feed: https://verifymcp.io/servers/sale-multifamilyfor-multifamilyfor-sale/multifamilyfor.xml
- Changelog JSON feed: https://verifymcp.io/servers/sale-multifamilyfor-multifamilyfor-sale/multifamilyfor.json
- HTML version of this page: https://verifymcp.io/servers/sale-multifamilyfor-multifamilyfor-sale/multifamilyfor