# Per Patient Day: SNF benchmarks and valuation math

> Skilled nursing benchmarks by state from CMS cost reports, plus SNF valuation and DSCR math.

- name: loan.fhaskillednursing/fhaskillednursing-loan
- version: 1.2026.1101.1
- connection class: R0 (autonomous)
- trust: 82/100 flags: no-repository
- quality: 100/100 (strong)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/loan.fhaskillednursing%2Ffhaskillednursing-loan
- tools: https://api.protogrid.dev/v1/servers/loan.fhaskillednursing%2Ffhaskillednursing-loan/tools

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

## Connection (mcpServers)

```json
{
  "mcpServers": {
    "fhaskillednursing-loan": {
      "type": "http",
      "url": "https://fhaskillednursing.loan/mcp"
    }
  }
}
```


## Trust

- hygiene: 80
- liveness: 99
- freshness: 100
- provenance: 55
- drivers: +dns-namespace +website +reachable +uptime-98% +updated-12d-ago -no-repository
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 100/100 (strong)

### protocol: 100 (weight 25)

- pass `protocol.modern`: supports 2026-07-28 (server/discover)
- pass `protocol.stateless`: answers without a session
- pass `protocol.transport`: streamable HTTP
- pass `protocol.list_ttl`: tool list is cacheable (ttlMs 3600000)

### 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`: 2 of 2 tools declare readOnlyHint or destructiveHint
- pass `tools.directory_hints`: every tool declares readOnlyHint, destructiveHint, idempotentHint and openWorldHint
- pass `tools.token_cost`: about 916 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: 2, about 916 tokens to load them all
- tool set hash: 05666d7c6ed02281d3bd998f347e0fe5
- badge: [![protogrid quality](https://protogrid.dev/badge/loan.fhaskillednursing/fhaskillednursing-loan.svg)](https://protogrid.dev/servers/loan.fhaskillednursing/fhaskillednursing-loan)
- 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://fhaskillednursing.loan/mcp (streamable-http, auth none, reachable true, uptime30d 0.97959185)

## Packages

_none_

## Tools (2)

- `snf_valuation`: The Per Patient Day valuation calculator: from beds, occupancy and revenue and operating expense per patient day, returns patient days, EBITDARM, EBITDAR, rent coverage, NOI, value and value per bed at your cap rate, DSCR and loan to value on a loan you give, a HUD 232/223(f) loan estimate, and where your occupancy and revenue per day fall against the state's cost-report quartiles.
- `state_benchmarks`: Medicare cost-report benchmarks for skilled nursing facilities in one state (or the US, or a national ownership or size group): 25th percentile, median and 75th percentile occupancy, net patient revenue and operating expense per patient day, reported operating margin, Medicare/Medicaid/other share of days, Medicare PPS payment per Medicare day, contract labor share and beds, with the US median, the prior-year medians and the report count.