# Draw Schedule: multifamily construction financing

> Apartment construction loans: HUD vs bank vs fund rules, sizing, Census starts and build times.

- name: loan.multifamilyconstruction/multifamilyconstruction-loan
- version: 1.2026.1101.0
- 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.multifamilyconstruction%2Fmultifamilyconstruction-loan
- tools: https://api.protogrid.dev/v1/servers/loan.multifamilyconstruction%2Fmultifamilyconstruction-loan/tools

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

## Connection (mcpServers)

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


## Trust

- hygiene: 80
- liveness: 97
- freshness: 100
- provenance: 55
- drivers: +dns-namespace +website +reachable +uptime-94% +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`: 4 of 4 tools declare readOnlyHint or destructiveHint
- pass `tools.directory_hints`: every tool declares readOnlyHint, destructiveHint, idempotentHint and openWorldHint
- pass `tools.token_cost`: about 1,196 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: 4, about 1,196 tokens to load them all
- tool set hash: 368ee21aa9206bcdf9cc9108d4330e5c
- badge: [![protogrid quality](https://protogrid.dev/badge/loan.multifamilyconstruction/multifamilyconstruction-loan.svg)](https://protogrid.dev/servers/loan.multifamilyconstruction/multifamilyconstruction-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://multifamilyconstruction.loan/mcp (streamable-http, auth none, reachable true, uptime30d 0.9361702)

## Packages

_none_

## Tools (4)

- `compare_construction_options`: Side-by-side rules for financing apartment construction four ways: HUD 221(d)(4), a bank construction loan, a debt fund and 4% tax credits with bonds. For each: maximum loan size and the rule behind it, rate type, term, coverage test, extra costs and process, with the regulation or HUD letter cited.
- `get_build_timeline`: Census Survey of Construction averages for apartment buildings: months from permit to start and from start to completion, by U.S. region and building size (5-9, 10-19 or 20+ units), for one completion year with the ten-year trend, plus what the build length means for HUD upfront MIP and construction interest.
- `get_construction_market`: Latest U.S. apartment construction numbers for 5+ unit buildings from the Census Bureau (starts, permits, units under construction, completions; seasonally adjusted annual rate, with year-ago and the pipeline peak) and the Federal Reserve's loan officer survey on construction and multifamily lending standards and demand, plus 30-day SOFR. Optional monthly history.
- `size_construction_loan`: Runs the site's construction loan sizer on your project: the HUD 221(d)(4) loan (lower of 87%/90% of cost and the 1.15/1.11 coverage test, with HUD's construction-interest estimate and upfront MIP), the bank regulatory ceiling (80% of value and 15%-of-value HVCRE equity, plus your bank's loan-to-cost if given) and, if you give its loan-to-cost, a debt fund. Returns loan, binding limit, equity needed and interest.