# Stackup: Fannie, Freddie and HUD multifamily loan sizing

> Size an apartment loan under Fannie Mae, Freddie Mac and HUD published limits, side by side.

- name: online.multifamily/multifamily-online
- 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/online.multifamily%2Fmultifamily-online
- tools: https://api.protogrid.dev/v1/servers/online.multifamily%2Fmultifamily-online/tools

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

## Connection (mcpServers)

```json
{
  "mcpServers": {
    "multifamily-online": {
      "type": "http",
      "url": "https://multifamily.online/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`: 3 of 3 tools declare readOnlyHint or destructiveHint
- pass `tools.directory_hints`: every tool declares readOnlyHint, destructiveHint, idempotentHint and openWorldHint
- pass `tools.token_cost`: about 1,529 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: 3, about 1,529 tokens to load them all
- tool set hash: 94b446f85fe396160dbec5c2494b0168
- badge: [![protogrid quality](https://protogrid.dev/badge/online.multifamily/multifamily-online.svg)](https://protogrid.dev/servers/online.multifamily/multifamily-online)
- 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://multifamily.online/mcp (streamable-http, auth none, reachable true, uptime30d 0.9791667)

## Packages

_none_

## Tools (3)

- `compare_programs`: Runs the multifamily.online comparison app on one 5+ unit building: for Fannie Mae DUS and Small Loans, Freddie Mac Optigo Conventional and Conventional Small, and HUD 223(f), 221(d)(4) and 223(a)(7), returns whether it fits the published limits (or why not), max loan by LTV/LTC and by DSCR, the binding limit, estimated monthly payment incl. HUD MIP, term, and warnings, ranked by max loan. SBA, bank, CMBS, bridge and DSCR loans are listed as ineligible or unpublished.
- `get_program_terms`: Published limits for one multifamily loan program or all of them, as multifamily.online lists them: max LTV or LTC, minimum DSCR, term and amortization, prepayment, recourse, structure, HUD mortgage insurance where it applies, and the agency source document with its date and URL. Covers Fannie Mae DUS and Small Loans, Freddie Mac Optigo Conventional and Conventional Small, HUD 223(f), 221(d)(4), 223(a)(7), SBA, bank, CMBS, bridge and DSCR loans.
- `get_treasury_yields`: The latest 5-, 7- and 10-year U.S. Treasury par yields and overnight SOFR that the multifamily.online app builds its example rate on, each with its as-of date, the reading a week and a month earlier when available, freshness status and the publisher link (U.S. Treasury, New York Fed).