# Fix and Flip Loans: flip calculator and lender terms

> Fix-and-flip profit calculator plus hard-money and DSCR lender terms by state.

- name: loans.fixandflip/fixandflip-loans
- 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/loans.fixandflip%2Ffixandflip-loans
- tools: https://api.protogrid.dev/v1/servers/loans.fixandflip%2Ffixandflip-loans/tools

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

## Connection (mcpServers)

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


## Trust

- hygiene: 80
- liveness: 98
- freshness: 100
- provenance: 55
- drivers: +dns-namespace +website +reachable +uptime-96% +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 1,920 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 1,920 tokens to load them all
- tool set hash: 7351568c1d17d4a936ffa6575493d4d2
- badge: [![protogrid quality](https://protogrid.dev/badge/loans.fixandflip/fixandflip-loans.svg)](https://protogrid.dev/servers/loans.fixandflip/fixandflip-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://fixandflip.loans/mcp (streamable-http, auth none, reachable true, uptime30d 0.9583333)

## Packages

_none_

## Tools (4)

- `calculate_flip_profit`: Runs the fixandflip.loans calculator on a deal: profit, cash you put in, return on cash (and simple annualized), profit as % of ARV, the hard-money loan with interest, points and fees, holding and selling costs, the 70% rule maximum price and whether the deal meets it, and the breakeven sale price. Optionally prices the loan at a listed lender's advertised starting rate.
- `compare_lender_costs`: Prices one flip at each listed lender's advertised fix-and-flip starting rate (from its own website, read 2026-10-24), ranked by profit: interest cost, total financing and profit per lender, with your own leverage, points and fees held the same. Optional state keeps only lenders that list it (plus those to check).
- `find_lenders`: Lists the hard-money and DSCR lenders on fixandflip.loans whose own websites (read 2026-10-24) say they lend in a state, with starting rate, leverage, minimum credit score, experience rule, loan size and a source link each. Lenders that publish no state list are returned as "check".
- `get_lender_terms`: Everything fixandflip.loans recorded from one lender's own website (read 2026-10-24): fix-and-flip and DSCR rates, leverage, points, terms, credit and experience rules, loan sizes, the states it lends in, license line, notes and the exact source pages.