# apartment.loans: apartment loan sizing

> Size and compare financing for 5+ unit apartment buildings: DSCR, LTV, cash-out, bridge takeout.

- name: loans.apartment/apartment-loans
- version: 1.2026.1102.0
- connection class: R0 (autonomous)
- trust: 82/100 flags: no-repository
- quality: 91/100 (strong)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/loans.apartment%2Fapartment-loans
- tools: https://api.protogrid.dev/v1/servers/loans.apartment%2Fapartment-loans/tools

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

## Connection (mcpServers)

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


## Trust

- hygiene: 80
- liveness: 97
- freshness: 100
- provenance: 55
- drivers: +dns-namespace +website +reachable +uptime-93% +updated-12d-ago -no-repository
- 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`: 8 of 8 tools declare readOnlyHint or destructiveHint
- pass `tools.directory_hints`: every tool declares readOnlyHint, destructiveHint, idempotentHint and openWorldHint
- pass `tools.token_cost`: about 1,465 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: 8, about 1,465 tokens to load them all
- tool set hash: 39745cb96f33b5f39a83cbb6d726c975
- badge: [![protogrid quality](https://protogrid.dev/badge/loans.apartment/apartment-loans.svg)](https://protogrid.dev/servers/loans.apartment/apartment-loans)
- 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://apartment.loans/mcp (streamable-http, auth none, reachable true, uptime30d 0.9285714)

## Packages

_none_

## Tools (8)

- `bridge_takeout`: Test whether a bridge loan refinances into permanent debt at stabilization; returns surplus or shortfall, NOI needed and the highest workable rate.
- `cash_out`: Net cash to the borrower from a cash-out refinance after payoff, prepayment, closing costs and reserves.
- `check_eligibility`: Screen a deal against published Fannie Mae Small Loans, Freddie Mac Conventional Small and HUD 223(f) criteria.
- `compare_programs`: Max refinance loan under each agency program's published limits (Fannie Mae Small Loans, Freddie Mac Conventional Small, HUD 223(f)) plus a bank case.
- `match_programs`: Rank loan programs for a deal with the reasons each fits or fails.
- `maturity_timeline`: Dated refinance milestones working back from a loan maturity date.
- `refinance_break_even`: Refinance now and pay the prepayment cost, or wait for the open window.
- `size_loan`: Size an apartment loan the way a lender does: the lowest of the LTV, DSCR and debt-yield limits.