# Conversion Ledger (RAD)

> HUD RAD conversions, housing authority records, 2026 RAD rents, program facts and debt sizing.

- name: loans.rad/rad-loans
- version: 1.2026.1101.0
- 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.rad%2Frad-loans
- tools: https://api.protogrid.dev/v1/servers/loans.rad%2Frad-loans/tools

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

## Connection (mcpServers)

```json
{
  "mcpServers": {
    "rad-loans": {
      "type": "http",
      "url": "https://rad.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 91/100 (strong)

### protocol: 75 (weight 25)

- warn `protocol.modern`: newest supported version is 2025-06-18; 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`: 6 of 6 tools declare readOnlyHint or destructiveHint
- pass `tools.directory_hints`: every tool declares readOnlyHint, destructiveHint, idempotentHint and openWorldHint
- pass `tools.token_cost`: about 1,411 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: 6, about 1,411 tokens to load them all
- tool set hash: 1f7eb4f85e27b9948ced5212046b48cc
- badge: [![protogrid quality](https://protogrid.dev/badge/loans.rad/rad-loans.svg)](https://protogrid.dev/servers/loans.rad/rad-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://rad.loans/mcp (streamable-http, auth none, reachable true, uptime30d 0.9583333)

## Packages

_none_

## Tools (6)

- `get_financing_quote_link`: The page where a housing authority, developer or owner can request a financing quote for a RAD conversion, Section 18 blend, PRAC or Component 2 conversion, or a refinance of a converted property, from Janover Capital LLC. Optional prefill. Returns a link only; it submits nothing.
- `get_housing_authority`: A public housing authority's RAD record: closed conversions (units, PBV/PBRA, tax credits, FHA), deals between CHAP and closing, remaining public housing units and their weighted 2026 RAD rent, and its conversions list. Give the HUD PHA code (IL002), the rad.loans page URL, or name + state.
- `get_rad_program_facts`: The current state of RAD law and terms, each with its primary source: permanence and the 555,000-unit cap (Public Law 119-101 section 212, July 2026), the governing notices, PBV and PBRA contract terms, FHA premium and underwriting, the 2026 LIHTC bond test, agency terms.
- `get_rad_rents`: HUD's 2026 RAD contract rent for unconverted public housing projects, with the PBV (110% FMR) and PBRA (120% FMR) caps, HUD's 90/10, 60/40 and 30/70 blend rent estimates, the utility allowance and 2024 operating fund and tenant rent per unit month. Give a PIC project number, or project/pha name with state.
- `search_conversions`: RAD public housing conversions from HUD's RAD Resource Desk export, newest first: project, housing authority, state, PBV or PBRA, units, status, CHAP and closing dates, tax credits (4%/9%), FHA insurance and Section 18 blend flags, with each housing authority's rad.loans page.
- `size_rad_debt`: First-mortgage sizing for a RAD property under FHA 223(f), FHA 221(d)(4), Freddie Mac (HUD Section 8), Fannie Mae Affordable Housing Preservation: the loan each execution supports by coverage and by loan ratio, which test binds, and annual debt service including FHA's 0.25% premium. Defaults come from HUD Mortgagee Letter 2025-03, the MAP Guide, 90 FR 45789 and the Fannie Mae and Freddie Mac term sheets, with HUD's median FHA note rates. Same math as rad.loans/tools/rad-debt-sizer/. A sketch, not a loan offer.