# Porchlight: 2-4 unit loan limits and owner-occupant math

> FHA and conforming 2-4 unit loan limits by county, plus owner-occupant house-hack math.

- name: sale.multifamilyfor/multifamilyfor-sale
- version: 1.2026.1101.0
- connection class: R0 (autonomous)
- trust: 81/100 flags: no-repository
- quality: 100/100 (strong)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/sale.multifamilyfor%2Fmultifamilyfor-sale
- tools: https://api.protogrid.dev/v1/servers/sale.multifamilyfor%2Fmultifamilyfor-sale/tools

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

## Connection (mcpServers)

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


## Trust

- hygiene: 80
- liveness: 96
- freshness: 100
- provenance: 55
- drivers: +dns-namespace +website +reachable +uptime-91% +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 1,168 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 1,168 tokens to load them all
- tool set hash: 4b7f5bf0ebb8c5b62de5b1c7efaa2a74
- badge: [![protogrid quality](https://protogrid.dev/badge/sale.multifamilyfor/multifamilyfor-sale.svg)](https://protogrid.dev/servers/sale.multifamilyfor/multifamilyfor-sale)
- 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://multifamilyfor.sale/mcp (streamable-http, auth none, reachable true, uptime30d 0.90909094)

## Packages

_none_

## Tools (3)

- `get_loan_limits`: The current-year FHA forward and FHFA conforming loan limits for 1, 2, 3 and 4 units in one county (or parish, borough, planning region, municipio), whether FHA treats it as high-cost, the 1-unit conforming figure VA uses with entitlement in use, and the highest price that keeps an FHA base loan inside the limit at 3.5% down.
- `house_hack_math`: Runs the site's 2-4 unit owner-occupant calculator: down payment, base loan, FHA upfront and annual MIP, the monthly PITI, the loan against the county limit (when state and county are given), FHA's self-sufficiency test on 3-4 units, the rent a lender can count (75% of the other units), net monthly cost after their rent, and the reserves rule for FHA, VA or conventional.
- `list_state_loan_limits`: One state or territory's current-year FHA and conforming loan limits for 2, 3 and 4 units, county by county, with how many counties sit at the FHA floor and the highest FHA limits. Sort by name or by the FHA limit for a unit count; filter to high-cost counties; page with limit and offset.