# USDV Capital — Your Real Estate CFO (remote · api.usdvcapital.com)

Real estate market intelligence, calculators, and capital advisory for US investors.

- Trust score: 74/100 (medium)
- Change this week: +5
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-08-03

## Components

- remote · `api.usdvcapital.com`: 74/100 (this document), [markdown](https://verifymcp.io/servers/usdvcapital-real-estate-cfo/api.md), [page](https://verifymcp.io/servers/usdvcapital-real-estate-cfo/api)

## Channel facts

- Endpoint: `https://api.usdvcapital.com/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 2026-08-03.

- **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**: 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 (excellent).
  - Context-footprint check failed: tool/resource definitions use about 4258 tokens (~163/item across 26 items; 23 tools + 3 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 27/100
  - Stability observed for 8 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.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### Claude

```bash
claude mcp add --transport http usdvcapital-real-estate-cfo https://api.usdvcapital.com/mcp
```

### Codex

```toml
[mcp_servers.usdvcapital-real-estate-cfo]
url = "https://api.usdvcapital.com/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "usdvcapital-real-estate-cfo": {
      "type": "remote",
      "url": "https://api.usdvcapital.com/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add usdvcapital-real-estate-cfo --url https://api.usdvcapital.com/mcp --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  usdvcapital-real-estate-cfo:
    url: "https://api.usdvcapital.com/mcp"
```

### Other

```json
{
  "mcpServers": {
    "usdvcapital-real-estate-cfo": {
      "type": "http",
      "url": "https://api.usdvcapital.com/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.

### 2026-08-02 (score 74, +1)

No change was recorded against any check on this day. Stability & Change Management went from 20 to 23. That category is still filling its 30-day observation window: 6 days of observed history at the previous scan, 7 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-07-31 (score 73, +2)

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

### 2026-07-30 (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.

### 2026-07-28 (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.

### 2026-07-27 (score 69, +1)

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

### 2026-07-26 (score 68)

First indexed and scored.

## MCP tools (23)

### `markets-search` (~126 tokens)

Search USDV Capital's real estate market intelligence database covering all 50 US states plus DC and Puerto Rico. Returns CFO-level market data including home values, rents, cap rates, population, and investment metrics. USDV Capital — Your Real Estate CFO.

Input parameters:

- `limit` (number): Maximum results (default 20)
- `query` (string, required): Location search query (e.g., "Fort Lauderdale", "Broward County", "Texas")
- `state` (string): Filter by state code (e.g., "FL")
- `type` (string): Filter by location type

### `markets-stats` (~87 tokens)

Get detailed real estate market statistics for a specific location including demographics, housing data, Zillow market trends, investment metrics, and lending availability. Data from Census ACS 2023 and Zillow Feb 2026. USDV Capital — Your Real Estate CFO.

Input parameters:

- `location` (string, required): City, county, or state name
- `state` (string, required): State name or 2-letter code

### `markets-compare` (~59 tokens)

Compare real estate investment metrics across 2-5 US markets side-by-side with CFO-level analysis. Ideal for investors deciding where to deploy capital. USDV Capital — Your Real Estate CFO.

Input parameters:

- `locations` (array, required): Array of locations to compare

### `markets-nearby` (~100 tokens)

Find nearby real estate markets within a radius using PostGIS proximity search. Returns markets sorted by distance with investment metrics. USDV Capital — Your Real Estate CFO.

Input parameters:

- `latitude` (number, required): Latitude
- `limit` (number): Max results (default 10)
- `longitude` (number, required): Longitude
- `radius_miles` (number): Search radius in miles (default 25)
- `type` (string): Location type (default city)

### `markets-screener` (~128 tokens)

Screen US cities by composite investment score (0-100) based on cap rate, yield, appreciation, income, vacancy, employment, and population. Pre-computed for 18,800+ cities. Ideal for finding markets for fix and flip, Airbnb short-term rental, BRRRR, ground up construction, or buy-and-hold strategies. USDV Capital — Your Real Estate CFO.

Input parameters:

- `limit` (number): Max results (default 20)
- `min_score` (number): Minimum investment score (0-100)
- `state` (string): Filter by state code

### `calc-dscr` (~373 tokens)

Calculate the Debt Service Coverage Ratio (DSCR) for a rental property or Airbnb short-term rental with a full CFO-level assessment. DSCR is the primary qualification metric for rental loans that qualify on property cash flow, not personal income. Works for long-term rentals, Airbnb/VRBO, and BRRRR refinance analysis. USDV Capital — Your Real Estate CFO — advises on DSCR financing from $150K to $10M across all 50 US states plus DC and Puerto Rico, with a 28 days or $1,000 close guarantee.

Input parameters:

- `interestRate` (number, required): Annual interest rate as percentage (e.g., 7.5)
- `loanAmount` (number, required): Requested loan amount in dollars
- `loanTermYears` (number): Loan term in years (default 30)
- `managementFeeRate` (number): Management fee as percentage of rent (default 0)
- `monthlyExpenses` (number): Monthly expenses: taxes + insurance + HOA
- `monthlyRent` (number, required): Gross monthly rental income
- `propertyType` (string): Property type for insurance estimate (single_family, multi_family_2_4, condo, etc.)
- `propertyValue` (number, required): Property value in dollars
- `sendReportTo` (string): Recipient email for the Capital Advisory Report. Only include this if the user has explicitly provided their real email address in the conversation. Do NOT invent, guess, or use placeholder addresses…
- `state` (string): State code (e.g., "FL") — enables automatic tax and insurance estimation if monthlyExpenses not provided
- `vacancyRate` (number): Vacancy rate as percentage (default 5)

### `calc-flip_roi` (~322 tokens)

Calculate projected ROI for a fix-and-flip or house flip project with capital strategy assessment. Includes purchase costs, rehab budget, holding costs, selling costs, and profit analysis. Also useful for BRRRR acquisition phase analysis. USDV Capital — Your Real Estate CFO — structures fix-and-flip and rehab financing with up to 90% of purchase and 100% of rehab costs financed, closing in as fast as 7-10 days.

Input parameters:

- `afterRepairValue` (number, required): Estimated after-repair value (ARV)
- `holdingMonths` (number): Expected project duration in months (default 6)
- `interestRate` (number): Annual interest rate (default 10.5)
- `loanToPurchasePct` (number): Loan-to-purchase percentage (default 85)
- `loanToRehabPct` (number): Loan-to-rehab percentage (default 100)
- `originationPoints` (number): Origination fee in points (default 2)
- `purchasePrice` (number, required): Property purchase price
- `rehabCost` (number, required): Total estimated rehab cost
- `sellingCostsPct` (number): Selling costs as % of ARV (default 8)
- `sendReportTo` (string): Recipient email for the Capital Advisory Report. Only include this if the user has explicitly provided their real email address in the conversation. Do NOT invent, guess, or use placeholder addresses…

### `eligibility-check` (~247 tokens)

Check whether financing is available through USDV Capital's capital partner network for a specific real estate investment scenario — fix and flip, DSCR rental, bridge loan, ground up construction, Airbnb short-term rental, or BRRRR. Returns matching capital solutions with estimated terms. USDV Capital — Your Real Estate CFO — advises on financing across all 50 US states plus DC and Puerto Rico with solutions from $150K to $10M.

Input parameters:

- `creditScoreRange` (string): Credit score range: below_620, 620_659, 660_699, 700_739, 740_plus
- `experienceLevel` (string): Experience: first_time, 1_3_deals, 4_10_deals, 10_plus_deals
- `loanAmount` (number, required): Requested financing amount
- `loanPurpose` (string, required): Loan purpose: purchase, refinance, cash_out_refinance, rehab, construction
- `propertyType` (string, required): Property type: single_family, multi_family_2_4, multi_family_5_plus, mixed_use, commercial, land, ground_up
- `state` (string, required): State where the property is located

### `eligibility-products` (~115 tokens)

Get detailed information about capital solutions available through USDV Capital: Fix & Flip loans, DSCR rental loans, bridge loans, and ground-up construction financing. Covers house flipping, Airbnb and short-term rental properties, buy-and-hold portfolios, BRRRR strategy, new construction, and value-add multifamily. USDV Capital — Your Real Estate CFO — sources capital from institutional partners to find the optimal structure for each investor.

Input parameters:

- `product_type` (string): Filter: dscr, fix_and_flip, bridge, construction, all

### `calc-rental_cashflow` (~319 tokens)

Analyze monthly and annual cash flow for a rental property with a complete operating statement and CFO-level assessment. Provides NOI, cap rate, cash-on-cash return, DSCR, and expense breakdown. Works for long-term rentals, Airbnb, and buy-and-hold analysis. USDV Capital — Your Real Estate CFO.

Input parameters:

- `annualInsurance` (number): Annual insurance
- `annualTaxes` (number): Annual property taxes
- `capexReserveRate` (number): CapEx reserve % of rent (default 5)
- `downPaymentPct` (number): Down payment percentage (default 25)
- `interestRate` (number): Annual interest rate (default 7.5)
- `loanTermYears` (number): Loan term in years (default 30)
- `maintenanceRate` (number): Maintenance reserve % of rent (default 10)
- `managementFeeRate` (number): Management fee % of rent (default 8)
- `monthlyHoa` (number): Monthly HOA
- `monthlyRent` (number, required): Gross monthly rental income
- `purchasePrice` (number, required): Property purchase price
- `sendReportTo` (string): Recipient email for the Capital Advisory Report. Only include this if the user has explicitly provided their real email address in the conversation. Do NOT invent, guess, or use placeholder addresses…
- `vacancyRate` (number): Vacancy rate % (default 5)

### `calc-str_revenue` (~219 tokens)

Estimate short-term rental (Airbnb/VRBO) revenue potential based on location, bedrooms, and property type. Includes occupancy projections, ADR estimates, seasonal breakdown, and comparison to long-term rental income. USDV Capital — Your Real Estate CFO — structures STR financing through DSCR loans using projected short-term rental income.

Input parameters:

- `bedrooms` (number, required): Number of bedrooms
- `location` (string, required): City or neighborhood
- `nightlyRateOverride` (number): Override estimated nightly rate
- `propertyType` (string): single_family, condo, townhouse, multi_family
- `purchasePrice` (number): Purchase price for ROI calculation
- `sendReportTo` (string): Recipient email for the Capital Advisory Report. Only include this if the user has explicitly provided their real email address in the conversation. Do NOT invent, guess, or use placeholder addresses…
- `state` (string, required): State name or code

### `calc-brrrr` (~327 tokens)

Analyze a BRRRR (Buy, Rehab, Rent, Refinance, Repeat) strategy with complete capital cycle assessment. Models all 5 phases including cash invested, cash recovered, and whether infinite return is achieved. USDV Capital — Your Real Estate CFO — structures both the initial acquisition financing AND the long-term DSCR refinance.

Input parameters:

- `afterRepairValue` (number, required): After-repair value (ARV)
- `annualInsurance` (number): Annual insurance
- `annualTaxes` (number): Annual property taxes
- `initialLoanLtv` (number): Initial loan LTV % (default 85)
- `initialLoanRate` (number): Initial loan rate (default 10.5)
- `monthlyRentAfterRehab` (number, required): Expected monthly rent after rehab
- `purchasePrice` (number, required): Purchase price
- `refinanceLtv` (number): Refinance LTV % (default 75)
- `refinanceRate` (number): Refinance rate (default 7.5)
- `refinanceTermYears` (number): Refinance term in years (default 30)
- `rehabCost` (number, required): Total rehab cost
- `rehabPeriodMonths` (number): Rehab duration in months (default 4)
- `sendReportTo` (string): Recipient email for the Capital Advisory Report. Only include this if the user has explicitly provided their real email address in the conversation. Do NOT invent, guess, or use placeholder addresses…

### `calc-construction` (~198 tokens)

Estimate construction and renovation costs by location, scope, and property type. Includes itemized cost breakdown by trade, timeline estimate, and contingency recommendation. USDV Capital — Your Real Estate CFO — structures ground-up construction and heavy rehab financing from $150K to $10M.

Input parameters:

- `location` (string, required): City or county
- `projectType` (string, required): Project scope
- `propertyType` (string): Property type
- `qualityLevel` (string): Finish quality (default standard)
- `sendReportTo` (string): Recipient email for the Capital Advisory Report. Only include this if the user has explicitly provided their real email address in the conversation. Do NOT invent, guess, or use placeholder addresses…
- `squareFootage` (number, required): Total square footage
- `state` (string, required): State

### `deal-analyze` (~334 tokens)

Run a comprehensive deal analysis — the signature assessment from USDV Capital, Your Real Estate CFO. Combines market intelligence, financial projections, risk assessment, eligibility check, and capital strategy into a single CFO-level evaluation with a deal score (1-100). Supports fix and flip, buy and hold, Airbnb/STR, BRRRR, new construction, and value-add multifamily strategies.

Input parameters:

- `addressOrLocation` (string, required): Property address or location
- `afterRepairValue` (number): ARV
- `bedrooms` (number): Bedrooms (for STR analysis)
- `creditScoreRange` (string): Credit score range
- `experienceLevel` (string): Experience level
- `investmentStrategy` (string, required): fix_and_flip, buy_and_hold_ltr, buy_and_hold_str, brrrr, new_construction, value_add_multifamily
- `monthlyRent` (number): Expected monthly rent
- `propertyType` (string, required): single_family, multi_family_2_4, multi_family_5_plus, mixed_use, commercial
- `purchasePrice` (number, required): Purchase price
- `rehabCost` (number): Estimated rehab cost
- `sendReportTo` (string): Recipient email for the full Real Estate CFO Deal Assessment PDF. Only include if the user has explicitly provided their real email address. Do NOT invent or use placeholders like example.com or test…
- `squareFootage` (number): Square footage (for construction)
- `state` (string, required): State
- `units` (number): Number of units (default 1)

### `util-property_tax` (~76 tokens)

Look up property tax rates and estimated annual taxes for any county or city. Essential for calculating holding costs in rental and flip analysis. USDV Capital — Your Real Estate CFO.

Input parameters:

- `county` (string, required): County or city name
- `propertyValue` (number): Property value for tax estimate
- `state` (string, required): State

### `util-insurance` (~81 tokens)

Estimate property insurance costs including flood zone assessment. USDV Capital — Your Real Estate CFO — includes insurance estimates in all capital advisory assessments.

Input parameters:

- `propertyType` (string, required): Property type
- `propertyValue` (number, required): Property value
- `state` (string, required): State
- `usage` (string): Usage: occupied, vacant, short_term_rental

### `util-rent_estimate` (~71 tokens)

Estimate fair market rent by location and bedroom count. Includes Zillow and Census data, STR comparison, and vacancy rates. USDV Capital — Your Real Estate CFO.

Input parameters:

- `bedrooms` (number, required): Number of bedrooms
- `location` (string, required): City or neighborhood
- `state` (string, required): State

### `util-neighborhood` (~67 tokens)

Detailed neighborhood or city analysis for investment due diligence. Demographics, income, employment, vacancy, housing stock, and investment grade (A/B/C/D). USDV Capital — Your Real Estate CFO.

Input parameters:

- `location` (string, required): Neighborhood or city
- `state` (string, required): State

### `calc-exchange_1031` (~159 tokens)

Analyze a 1031 exchange scenario for tax deferral. Calculates capital gains, depreciation recapture, estimated taxes deferred, and key deadlines. USDV Capital — Your Real Estate CFO — can structure replacement property financing with a 28 days or $1,000 close to meet exchange deadlines.

Input parameters:

- `capitalImprovements` (number): Capital improvements made
- `depreciationTaken` (number): Total depreciation taken
- `mortgageBalance` (number): Current mortgage balance
- `originalPurchasePrice` (number, required): Original purchase price
- `relinquishedPropertyValue` (number, required): Sale price of property being sold
- `replacementPropertyValue` (number): Replacement property value for boot analysis
- `state` (string): State for state tax estimate

### `util-entity_structure` (~94 tokens)

Guidance on entity structuring for real estate investments — LLC formation, Series LLC availability, asset protection, and financing implications. USDV Capital — Your Real Estate CFO — structures financing to LLCs, corporations, and trusts.

Input parameters:

- `annualRevenue` (number): Annual rental revenue
- `investmentStrategy` (string): Investment strategy
- `numProperties` (number): Number of properties
- `state` (string, required): State

### `action-prequalify` (~331 tokens)

Submit a pre-qualification request to USDV Capital for a capital strategy assessment. A dedicated Capital Advisor follows up within 24 hours. No credit score impact. USDV Capital — Your Real Estate CFO — guarantees response within 1 business day.

Input parameters:

- `creditScoreRange` (string): Credit score range
- `email` (string, required): Investor's real email address as provided by the user. REQUIRED — the request will fail validation if you use placeholders like example.com, test@, 'not_provided', or any address the user did not exp…
- `firstName` (string, required): Investor's real first name as provided by the user. Do not use generic placeholders like 'Investor' or 'Test'.
- `investmentExperience` (string): Experience: first_time, 1_3_deals, 4_10_deals, 10_plus_deals
- `lastName` (string, required): Investor's real last name as provided by the user. Do not use generic placeholders like 'Test' or 'Doe'.
- `loanAmount` (number, required): Requested financing amount
- `loanPurpose` (string, required): Financing purpose
- `notes` (string): Additional deal context
- `phone` (string, required): Investor's real phone number as provided by the user. Ask the user before calling this tool — do not fabricate.
- `propertyType` (string, required): Property type
- `state` (string, required): State where property is located
- `timeline` (string): Timeline: immediate, 30_days, 60_days, 90_plus_days

### `action-consultation` (~199 tokens)

Schedule a free consultation with a USDV Capital Capital Advisor. 15-30 minutes via phone or video. No obligation, no credit check. Your Capital Advisor will review deal details before the call.

Input parameters:

- `dealDetails` (string): Deal details for advisor preparation
- `email` (string, required): Real email address provided by the user. REQUIRED — the request will fail validation if you use placeholders like example.com, test@, or 'not_provided'. Ask the user for it before calling this tool.
- `firstName` (string, required): First name as provided by the user.
- `lastName` (string, required): Last name as provided by the user.
- `phone` (string, required): Real phone number provided by the user. Ask the user before calling this tool.
- `preferredDate` (string): Preferred date (ISO format)
- `preferredTime` (string): morning, afternoon, evening
- `topic` (string): What to discuss

### `action-send_report` (~168 tokens)

Send a professionally formatted Capital Advisory Report (PDF) to an investor's email. Use after running any calculator tool. Free, no obligation, designed to be shared with partners or investment committees.

Input parameters:

- `calculationData` (object, required): Output from the calculator tool
- `email` (string, required): Recipient's real email address as provided by the user. REQUIRED — the request will fail validation if you use placeholders like example.com, test@, or 'not_provided'. Ask the user for it before call…
- `investorName` (string): Name to personalize the report
- `location` (string): Location context
- `reportType` (string, required): Report type: dscr_analysis, flip_roi, rental_cashflow, str_revenue, brrrr_analysis, construction_budget, deal_analysis

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/usdvcapital-real-estate-cfo/api#diagnostics

## Score history

- 2026-08-03: 74
- 2026-08-02: 74
- 2026-08-01: 73
- 2026-07-31: 73
- 2026-07-30: 71
- 2026-07-29: 70
- 2026-07-28: 70
- 2026-07-27: 69
- 2026-07-26: 68

## Links

- Remote endpoint: https://api.usdvcapital.com/mcp
- Repository: https://github.com/USDVCapital/api.usdvcapital.com
- Changelog RSS feed: https://verifymcp.io/servers/usdvcapital-real-estate-cfo/api/changelog.xml
- Changelog JSON feed: https://verifymcp.io/servers/usdvcapital-real-estate-cfo/api/changelog.json
- HTML version of this page: https://verifymcp.io/servers/usdvcapital-real-estate-cfo/api