# DSCR Loan Calculator

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

- name: io.github.theluckystrike/dscr-loan-calculator-mcp
- version: 1.0.0
- connection class: R0 (autonomous)
- trust: 96/100
- quality: 91/100 (strong)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/io.github.theluckystrike%2Fdscr-loan-calculator-mcp
- tools: https://api.protogrid.dev/v1/servers/io.github.theluckystrike%2Fdscr-loan-calculator-mcp/tools

**An agent can connect right now, no human step.** Remote endpoint, no authentication, reachable on the last probe.

## Connection (mcpServers)

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


## Trust

- hygiene: 100
- liveness: 97
- freshness: 100
- provenance: 90
- drivers: +repository +namespace-matches-repo +website +reachable +uptime-93% +updated-15d-ago
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 91/100 (strong)

### protocol: 75 (weight 25)

- warn `protocol.modern`: newest supported version is 2025-11-25; 2026-07-28 not supported, older versions are deprecated until 2027-07-28
- n/a `protocol.stateless`: only applies to 2026-07-28 servers
- pass `protocol.transport`: streamable HTTP
- n/a `protocol.list_ttl`: only applies to 2026-07-28 servers

### authorization: n/a (weight 15)

- n/a `auth.prm`, `auth.as_metadata`, `auth.cimd`: no remote uses OAuth
- n/a `auth.secret_in_url`: no templated URL

### tool hygiene: 100 (weight 30)

- pass `tools.descriptions`: every tool has a description
- pass `tools.description_length`: descriptions are concise
- pass `tools.schemas`: every tool has an object input schema
- pass `tools.annotations`: 5 of 5 tools declare readOnlyHint or destructiveHint
- pass `tools.directory_hints`: every tool declares readOnlyHint, destructiveHint, idempotentHint and openWorldHint
- pass `tools.token_cost`: about 2,599 tokens to load every tool
- pass `tools.api_dump`: tools are not a one-to-one API dump
- pass `tools.hidden_text`: no hidden text in tool names, descriptions, schemas or annotations

### stability: 100 (weight 15)

- pass `stability.changes`: no tool changes in 30 days
- pass `stability.rug_pull`: no tool changed its meaning under the same name
- pass `stability.new_links`: no tool change named a new site

### dependencies: n/a (weight 15)

- n/a `deps.known_vulns`, `deps.mcp_sdk_version`, `deps.resolvable`: no npm or PyPI package

- tools: 5, about 2,599 tokens to load them all
- tool set hash: d6a5a392d8bc96c783a0ef3a2a1ee519
- badge: [![protogrid quality](https://protogrid.dev/badge/io.github.theluckystrike/dscr-loan-calculator-mcp.svg)](https://protogrid.dev/servers/io.github.theluckystrike/dscr-loan-calculator-mcp)
- Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed.

### Tool changes

_No tool definition changes recorded._

## Remotes

- https://dscr-loan-calculator-mcp.lipmichal.workers.dev/mcp (streamable-http, auth none, reachable true, uptime30d 0.9298246)

## Packages

_none_

## Tools (5)

- `amortization_summary`: 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.
- `calculate_dscr`: 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.
- `compare_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.
- `max_loan_for_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.
- `rent_needed_for_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.