# DSCR Loan Calculator (remote · dscr-loan-calculator-mcp.lipmichal.workers.dev)

DSCR loan calculator for rental property: DSCR, lender tiers, max loan, rent needed, amortization.

- Trust score: 67/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `dscr-loan-calculator-mcp.lipmichal.workers.dev`: 67/100 (this document), [markdown](https://verifymcp.io/servers/theluckystrike-dscr-loan-calculator-mcp/dscr-loan-calculator-mcp.md), [page](https://verifymcp.io/servers/theluckystrike-dscr-loan-calculator-mcp/dscr-loan-calculator-mcp)

## Channel facts

- Endpoint: `https://dscr-loan-calculator-mcp.lipmichal.workers.dev/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.0`

## 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**: 63/100
  - 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 enforcement could not be verified: the plaintext port answered with HTTP 405, which proves neither a plaintext path nor enforcement.
  - 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**: 59/100
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 1638 tokens (~327/item across 5 items; 5 tools + 0 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**: 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 5 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 5 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### How do I install the DSCR Loan Calculator MCP server?

DSCR Loan Calculator is a hosted endpoint at https://dscr-loan-calculator-mcp.lipmichal.workers.dev/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 theluckystrike-dscr-loan-calculator-mcp 'https://dscr-loan-calculator-mcp.lipmichal.workers.dev/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "theluckystrike-dscr-loan-calculator-mcp": {
      "url": "https://dscr-loan-calculator-mcp.lipmichal.workers.dev/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "theluckystrike-dscr-loan-calculator-mcp": {
      "type": "http",
      "url": "https://dscr-loan-calculator-mcp.lipmichal.workers.dev/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.theluckystrike-dscr-loan-calculator-mcp]
url = "https://dscr-loan-calculator-mcp.lipmichal.workers.dev/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "theluckystrike-dscr-loan-calculator-mcp": {
      "type": "remote",
      "url": "https://dscr-loan-calculator-mcp.lipmichal.workers.dev/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add theluckystrike-dscr-loan-calculator-mcp --url 'https://dscr-loan-calculator-mcp.lipmichal.workers.dev/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  theluckystrike-dscr-loan-calculator-mcp:
    url: "https://dscr-loan-calculator-mcp.lipmichal.workers.dev/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "theluckystrike-dscr-loan-calculator-mcp": {
      "Transport": "http",
      "Url": "https://dscr-loan-calculator-mcp.lipmichal.workers.dev/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add theluckystrike-dscr-loan-calculator-mcp -t streamable-http -u 'https://dscr-loan-calculator-mcp.lipmichal.workers.dev/mcp'
```

### Other

```json
{
  "mcpServers": {
    "theluckystrike-dscr-loan-calculator-mcp": {
      "type": "http",
      "url": "https://dscr-loan-calculator-mcp.lipmichal.workers.dev/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 67, +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.

### 2026-11-03 (score 66, +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.

### 2026-11-01 (score 65, +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.

### 2026-10-31 (score 64, 0)

- [functional improvement] Stability: unverified → 0.03

### 2026-10-30 (score 64)

First indexed and scored.

## MCP tools (5)

### `calculate_dscr` (~427 tokens)

Calculate DSCR for a rental property loan

Debt service coverage ratio for a DSCR (investor) mortgage: qualifying rent / PITIA. Computes exact principal and interest with the annuity formula (monthly compounding, half-up cents) or the interest-only payment, adds tax, insurance, HOA and other housing costs per the Fannie Mae PITIA definition, and places the result in the common lender bands (1.25+, 1.00-1.24, 0.75-0.99, under 0.75) with sourced notes that minimums vary by lender. Returns JSON plus a plain summary and a dscrradar.com link.

Input parameters:

- `annual_insurance` (number): Annual hazard insurance premium in USD. Default 0, but lenders always include it.
- `annual_property_tax` (number): Annual property tax in USD. Default 0, but lenders always include it.
- `annual_rate_pct` (number, required): Annual note rate in percent, e.g. 7.25. Up to 3 decimals.
- `down_payment_pct` (number): Down payment in percent of price, e.g. 25.
- `interest_only` (boolean): Qualify on the interest-only payment (loan x rate / 12). Default false.
- `loan_amount` (number): Loan amount in USD. Give this, or purchase_price plus down_payment_pct.
- `monthly_hoa` (number): Monthly HOA or association dues in USD. Default 0.
- `monthly_other_housing` (number): Other monthly housing costs in PITIA, such as flood insurance, ground rent or special assessments. Default 0.
- `monthly_rent` (number, required): Gross monthly market rent in USD (lease or appraiser rent schedule).
- `purchase_price` (number): Purchase price in USD. Used with down_payment_pct when loan_amount is not given.
- `term_years` (integer): Amortization term in years. Default 30.
- `vacancy_pct` (number): Vacancy allowance in percent of gross rent. Default 0. Many lenders use gross rent with no vacancy.

### `max_loan_for_target_dscr` (~381 tokens)

Largest loan that meets a target DSCR

Solves for the largest whole-dollar loan whose PITIA keeps the DSCR at or above a target (default 1.25), given rent, rate, term, interest-only choice, tax, insurance and HOA. Optional purchase_price and max_ltv_pct give the minimum down payment and which limit binds. Exact cents arithmetic, checked against the rounded payment.

Input parameters:

- `annual_insurance` (number): Annual hazard insurance premium in USD. Default 0, but lenders always include it.
- `annual_property_tax` (number): Annual property tax in USD. Default 0, but lenders always include it.
- `annual_rate_pct` (number, required): Annual note rate in percent, e.g. 7.25. Up to 3 decimals.
- `interest_only` (boolean): Qualify on the interest-only payment (loan x rate / 12). Default false.
- `max_ltv_pct` (number): Optional lender LTV cap in percent, e.g. 80. Needs purchase_price.
- `monthly_hoa` (number): Monthly HOA or association dues in USD. Default 0.
- `monthly_other_housing` (number): Other monthly housing costs in PITIA, such as flood insurance, ground rent or special assessments. Default 0.
- `monthly_rent` (number, required): Gross monthly market rent in USD.
- `purchase_price` (number): Optional purchase price in USD, to report LTV and minimum down payment.
- `target_dscr` (number): Target DSCR, e.g. 1.25 or 1.0. Default 1.25.
- `term_years` (integer): Amortization term in years. Default 30.
- `vacancy_pct` (number): Vacancy allowance in percent of gross rent. Default 0. Many lenders use gross rent with no vacancy.

### `rent_needed_for_target_dscr` (~396 tokens)

Rent needed to reach a target DSCR

Solves for the smallest monthly rent (to the cent, and rounded up to whole dollars) that reaches a target DSCR (default 1.25) for a given loan, rate, term, tax, insurance, HOA and vacancy. Also returns the rent for 0.75, 1.00 and 1.25. Rounds up, never down, so the rent always meets the target.

Input parameters:

- `annual_insurance` (number): Annual hazard insurance premium in USD. Default 0, but lenders always include it.
- `annual_property_tax` (number): Annual property tax in USD. Default 0, but lenders always include it.
- `annual_rate_pct` (number, required): Annual note rate in percent, e.g. 7.25. Up to 3 decimals.
- `down_payment_pct` (number): Down payment in percent of price, e.g. 25.
- `interest_only` (boolean): Qualify on the interest-only payment (loan x rate / 12). Default false.
- `loan_amount` (number): Loan amount in USD. Give this, or purchase_price plus down_payment_pct.
- `monthly_hoa` (number): Monthly HOA or association dues in USD. Default 0.
- `monthly_other_housing` (number): Other monthly housing costs in PITIA, such as flood insurance, ground rent or special assessments. Default 0.
- `purchase_price` (number): Purchase price in USD. Used with down_payment_pct when loan_amount is not given.
- `target_dscr` (number): Target DSCR, e.g. 1.25 or 1.0. Default 1.25.
- `term_years` (integer): Amortization term in years. Default 30.
- `vacancy_pct` (number): Vacancy allowance in percent of gross rent. Default 0. Many lenders use gross rent with no vacancy.

### `compare_scenarios` (~238 tokens)

Compare DSCR loan scenarios

Compares 1 to 5 financing scenarios (rate, down payment, term, interest-only) on one property: loan amount, P&I, PITIA, DSCR, lender band, rent minus PITIA and total interest over the term. Names the scenario with the highest DSCR.

Input parameters:

- `annual_insurance` (number): Annual hazard insurance premium in USD. Default 0, but lenders always include it.
- `annual_property_tax` (number): Annual property tax in USD. Default 0, but lenders always include it.
- `monthly_hoa` (number): Monthly HOA or association dues in USD. Default 0.
- `monthly_other_housing` (number): Other monthly housing costs in PITIA, such as flood insurance, ground rent or special assessments. Default 0.
- `monthly_rent` (number, required): Gross monthly market rent in USD.
- `purchase_price` (number, required): Purchase price in USD.
- `scenarios` (array, required): 1 to 5 scenarios.
- `vacancy_pct` (number): Vacancy allowance in percent of gross rent. Default 0. Many lenders use gross rent with no vacancy.

### `amortization_summary` (~196 tokens)

Amortization summary for a loan

Exact month-by-month amortization: monthly payment, number of payments, final payment, total interest, total paid and the remaining balance after chosen years. Supports an interest-only period followed by amortization over the remaining term, as many DSCR loans use. Interest is rounded half up to the cent each month, like a lender schedule.

Input parameters:

- `annual_rate_pct` (number, required): Annual note rate in percent, e.g. 7.25. Up to 3 decimals.
- `balance_after_years` (array): Years after which to report the balance. Default [1, 5, 10].
- `interest_only_years` (integer): Interest-only years at the start, e.g. 10. Default 0. Must be less than term_years.
- `loan_amount` (number, required): Loan amount in USD.
- `term_years` (integer): Amortization term in years. Default 30.

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/theluckystrike-dscr-loan-calculator-mcp/dscr-loan-calculator-mcp#diagnostics

## Score history

- 2026-11-05: 67
- 2026-11-04: 66
- 2026-11-03: 66
- 2026-11-02: 65
- 2026-11-01: 65
- 2026-10-31: 64
- 2026-10-30: 64

## Common questions

### What is the DSCR Loan Calculator MCP server?

DSCR Loan Calculator is an MCP server listed in the public MCP registry as io.github.theluckystrike/dscr-loan-calculator-mcp. DSCR loan calculator for rental property: DSCR, lender tiers, max loan, rent needed, amortization. This page covers its hosted endpoint (https://dscr-loan-calculator-mcp.lipmichal.workers.dev/mcp).

### Is the DSCR Loan Calculator MCP server safe to use?

DSCR Loan Calculator scores 67 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 DSCR Loan Calculator MCP server expose?

DSCR Loan Calculator exposes 5 tools: calculate_dscr, max_loan_for_target_dscr, rent_needed_for_target_dscr, compare_scenarios, amortization_summary. Their descriptions and schemas cost roughly 1,638 tokens of context every time the server is loaded.

### Does the DSCR Loan Calculator MCP server require authentication?

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

### Is the DSCR Loan Calculator MCP server still maintained?

DSCR Loan Calculator 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://dscr-loan-calculator-mcp.lipmichal.workers.dev/mcp
- Repository: https://github.com/theluckystrike/dscr-loan-calculator-mcp
- Website: https://dscrradar.com/dscr-loan-calculator/
- Changelog RSS feed: https://verifymcp.io/servers/theluckystrike-dscr-loan-calculator-mcp/dscr-loan-calculator-mcp.xml
- Changelog JSON feed: https://verifymcp.io/servers/theluckystrike-dscr-loan-calculator-mcp/dscr-loan-calculator-mcp.json
- HTML version of this page: https://verifymcp.io/servers/theluckystrike-dscr-loan-calculator-mcp/dscr-loan-calculator-mcp