MCP MeasureMCP Measure

Index beobachtet

DSCR Loan Calculator

DSCR loan calculator for rental property: DSCR, lender tiers, max loan, rent needed, amortization.

Sollte ich dies verwenden

Qualität und Sicherheit

A
Qualität der Beschreibung
94%
Vollständigkeit des Schemas
100%
Qualität der Benennung
88%
Risiko der Vergiftung
100%
Übereinstimmung der Berechtigungen
100%
Einhaltung des Protokolls
100%

Befunde (1)

  • LOWTool 'amortization_summary' description lacks action verbin amortization_summary

Basierend auf einer automatisierten Analyse der Tool-Definitionen und der Einhaltung des Protokolls.

Kontextkosten

~2,620Tokens (Tool-Definitionen)
~4.7 KBTypische Antwortgröße
Erhebliche Auswirkung auf die Aufmerksamkeit (2.05% von 128k Kontext)

Dies ist die ungefähre Anzahl der Tokens, die jedes Mal verbraucht werden, wenn die Tools des Servers in den Kontext eines Modells geladen werden. Höhere Werte verringern die Aufmerksamkeit, die für andere Aufgaben verfügbar ist.

Installieren

Installation mit einem Klick

Fügen Sie dies Ihrer Datei `claude_desktop_config.json` hinzu:

{
  "mcpServers": {
    "dscr-loan-calculator-mcp": {
      "url": "https://dscr-loan-calculator-mcp.lipmichal.workers.dev/mcp"
    }
  }
}

Remote-Endpunkte

https://dscr-loan-calculator-mcp.lipmichal.workers.dev/mcpstreamable-http

Was es kann

Tool-Inventar

Tools (5)

🟢 Nur lesen🟡 Schreiben🔴 Löschen⚪ Unbekannt
🟢calculate_dscr(monthly_rent, vacancy_pct, loan_amount, purchase_price, down_payment_pct, ...)

Debt service coverage ratio for a DSCR (investor) mortgage: qualifying rent / PITIA. Computes exact principal and interest with the annuity formula (monthly compounding, half-up cents) or the interest-only payment, adds tax, insurance, HOA and other housing costs per the Fannie Mae PITIA definition, and places the result in the common lender bands (1.25+, 1.00-1.24, 0.75-0.99, under 0.75) with sourced notes that minimums vary by lender. Returns JSON plus a plain summary and a dscrradar.com link.

Eingabe-Schema

{
  "type": "object",
  "properties": {
    "monthly_rent": {
      "type": "number",
      "exclusiveMinimum": 0,
      "description": "Gross monthly market rent in USD (lease or appraiser rent schedule)."
    },
    "vacancy_pct": {
      "type": "number",
      "minimum": 0,
      "maximum": 50,
      "description": "Vacancy allowance in percent of gross rent. Default 0. Many lenders use gross rent with no vacancy."
    },
    "loan_amount": {
      "type": "number",
      "exclusiveMinimum": 0,
      "description": "Loan amount in USD. Give this, or purchase_price plus down_payment_pct."
    },
    "purchase_price": {
      "type": "number",
      "exclusiveMinimum": 0,
      "description": "Purchase price in USD. Used with down_payment_pct when loan_amount is not given."
    },
    "down_payment_pct": {
      "type": "number",
      "minimum": 0,
      "maximum": 99,
      "description": "Down payment in percent of price, e.g. 25."
    },
    "annual_rate_pct": {
      "type": "number",
      "minimum": 0,
      "maximum": 30,
      "description": "Annual note rate in percent, e.g. 7.25. Up to 3 decimals."
    },
    "term_years": {
      "type": "integer",
      "minimum": 1,
      "maximum": 40,
      "description": "Amortization term in years. Default 30."
    },
    "interest_only": {
      "type": "boolean",
      "description": "Qualify on the interest-only payment (loan x rate / 12). Default false."
    },
    "annual_property_tax": {
      "type": "number",
      "minimum": 0,
      "description": "Annual property tax in USD. Default 0, but lenders always include it."
    },
    "annual_insurance": {
      "type": "number",
      "minimum": 0,
      "description": "Annual hazard insurance premium in USD. Default 0, but lenders always include it."
    },
    "monthly_hoa": {
      "type": "number",
      "minimum": 0,
      "description": "Monthly HOA or association dues in USD. Default 0."
    },
    "monthly_other_housing": {
      "type": "number",
      "minimum": 0,
      "description": "Other monthly housing costs in PITIA, such as flood insurance, ground rent or special assessments. Default 0."
    }
  },
  "required": [
    "monthly_rent",
    "annual_rate_pct"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#"
}
🟢max_loan_for_target_dscr(monthly_rent, vacancy_pct, target_dscr, annual_rate_pct, term_years, ...)

Solves for the largest whole-dollar loan whose PITIA keeps the DSCR at or above a target (default 1.25), given rent, rate, term, interest-only choice, tax, insurance and HOA. Optional purchase_price and max_ltv_pct give the minimum down payment and which limit binds. Exact cents arithmetic, checked against the rounded payment.

Eingabe-Schema

{
  "type": "object",
  "properties": {
    "monthly_rent": {
      "type": "number",
      "exclusiveMinimum": 0,
      "description": "Gross monthly market rent in USD."
    },
    "vacancy_pct": {
      "type": "number",
      "minimum": 0,
      "maximum": 50,
      "description": "Vacancy allowance in percent of gross rent. Default 0. Many lenders use gross rent with no vacancy."
    },
    "target_dscr": {
      "type": "number",
      "minimum": 0.5,
      "maximum": 3,
      "description": "Target DSCR, e.g. 1.25 or 1.0. Default 1.25."
    },
    "annual_rate_pct": {
      "type": "number",
      "minimum": 0,
      "maximum": 30,
      "description": "Annual note rate in percent, e.g. 7.25. Up to 3 decimals."
    },
    "term_years": {
      "type": "integer",
      "minimum": 1,
      "maximum": 40,
      "description": "Amortization term in years. Default 30."
    },
    "interest_only": {
      "type": "boolean",
      "description": "Qualify on the interest-only payment (loan x rate / 12). Default false."
    },
    "annual_property_tax": {
      "type": "number",
      "minimum": 0,
      "description": "Annual property tax in USD. Default 0, but lenders always include it."
    },
    "annual_insurance": {
      "type": "number",
      "minimum": 0,
      "description": "Annual hazard insurance premium in USD. Default 0, but lenders always include it."
    },
    "monthly_hoa": {
      "type": "number",
      "minimum": 0,
      "description": "Monthly HOA or association dues in USD. Default 0."
    },
    "monthly_other_housing": {
      "type": "number",
      "minimum": 0,
      "description": "Other monthly housing costs in PITIA, such as flood insurance, ground rent or special assessments. Default 0."
    },
    "purchase_price": {
      "type": "number",
      "exclusiveMinimum": 0,
      "description": "Optional purchase price in USD, to report LTV and minimum down payment."
    },
    "max_ltv_pct": {
      "type": "number",
      "minimum": 1,
      "maximum": 100,
      "description": "Optional lender LTV cap in percent, e.g. 80. Needs purchase_price."
    }
  },
  "required": [
    "monthly_rent",
    "annual_rate_pct"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#"
}
🟢rent_needed_for_target_dscr(loan_amount, purchase_price, down_payment_pct, annual_rate_pct, term_years, ...)

Solves for the smallest monthly rent (to the cent, and rounded up to whole dollars) that reaches a target DSCR (default 1.25) for a given loan, rate, term, tax, insurance, HOA and vacancy. Also returns the rent for 0.75, 1.00 and 1.25. Rounds up, never down, so the rent always meets the target.

Eingabe-Schema

{
  "type": "object",
  "properties": {
    "loan_amount": {
      "type": "number",
      "exclusiveMinimum": 0,
      "description": "Loan amount in USD. Give this, or purchase_price plus down_payment_pct."
    },
    "purchase_price": {
      "type": "number",
      "exclusiveMinimum": 0,
      "description": "Purchase price in USD. Used with down_payment_pct when loan_amount is not given."
    },
    "down_payment_pct": {
      "type": "number",
      "minimum": 0,
      "maximum": 99,
      "description": "Down payment in percent of price, e.g. 25."
    },
    "annual_rate_pct": {
      "type": "number",
      "minimum": 0,
      "maximum": 30,
      "description": "Annual note rate in percent, e.g. 7.25. Up to 3 decimals."
    },
    "term_years": {
      "type": "integer",
      "minimum": 1,
      "maximum": 40,
      "description": "Amortization term in years. Default 30."
    },
    "interest_only": {
      "type": "boolean",
      "description": "Qualify on the interest-only payment (loan x rate / 12). Default false."
    },
    "vacancy_pct": {
      "type": "number",
      "minimum": 0,
      "maximum": 50,
      "description": "Vacancy allowance in percent of gross rent. Default 0. Many lenders use gross rent with no vacancy."
    },
    "target_dscr": {
      "type": "number",
      "minimum": 0.5,
      "maximum": 3,
      "description": "Target DSCR, e.g. 1.25 or 1.0. Default 1.25."
    },
    "annual_property_tax": {
      "type": "number",
      "minimum": 0,
      "description": "Annual property tax in USD. Default 0, but lenders always include it."
    },
    "annual_insurance": {
      "type": "number",
      "minimum": 0,
      "description": "Annual hazard insurance premium in USD. Default 0, but lenders always include it."
    },
    "monthly_hoa": {
      "type": "number",
      "minimum": 0,
      "description": "Monthly HOA or association dues in USD. Default 0."
    },
    "monthly_other_housing": {
      "type": "number",
      "minimum": 0,
      "description": "Other monthly housing costs in PITIA, such as flood insurance, ground rent or special assessments. Default 0."
    }
  },
  "required": [
    "annual_rate_pct"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#"
}
🟢compare_scenarios(purchase_price, monthly_rent, vacancy_pct, annual_property_tax, annual_insurance, ...)

Compares 1 to 5 financing scenarios (rate, down payment, term, interest-only) on one property: loan amount, P&I, PITIA, DSCR, lender band, rent minus PITIA and total interest over the term. Names the scenario with the highest DSCR.

Eingabe-Schema

{
  "type": "object",
  "properties": {
    "purchase_price": {
      "type": "number",
      "exclusiveMinimum": 0,
      "description": "Purchase price in USD."
    },
    "monthly_rent": {
      "type": "number",
      "exclusiveMinimum": 0,
      "description": "Gross monthly market rent in USD."
    },
    "vacancy_pct": {
      "type": "number",
      "minimum": 0,
      "maximum": 50,
      "description": "Vacancy allowance in percent of gross rent. Default 0. Many lenders use gross rent with no vacancy."
    },
    "annual_property_tax": {
      "type": "number",
      "minimum": 0,
      "description": "Annual property tax in USD. Default 0, but lenders always include it."
    },
    "annual_insurance": {
      "type": "number",
      "minimum": 0,
      "description": "Annual hazard insurance premium in USD. Default 0, but lenders always include it."
    },
    "monthly_hoa": {
      "type": "number",
      "minimum": 0,
      "description": "Monthly HOA or association dues in USD. Default 0."
    },
    "monthly_other_housing": {
      "type": "number",
      "minimum": 0,
      "description": "Other monthly housing costs in PITIA, such as flood insurance, ground rent or special assessments. Default 0."
    },
    "scenarios": {
      "minItems": 1,
      "maxItems": 5,
      "type": "array",
      "items": {
        "type": "object",
        "properties": {
          "label": {
            "description": "Short name, e.g. \"25% down 30-yr\".",
            "type": "string",
            "maxLength": 60
          },
          "annual_rate_pct": {
            "type": "number",
            "minimum": 0,
            "maximum": 30,
            "description": "Annual note rate in percent, e.g. 7.25. Up to 3 decimals."
          },
          "down_payment_pct": {
            "type": "number",
            "minimum": 0,
            "maximum": 99,
            "description": "Down payment in percent of price."
          },
          "term_years": {
            "type": "integer",
            "minimum": 1,
            "maximum": 40,
            "description": "Amortization term in years. Default 30."
          },
          "interest_only": {
            "type": "boolean",
            "description": "Qualify on the interest-only payment (loan x rate / 12). Default false."
          }
        },
        "required": [
          "annual_rate_pct",
          "down_payment_pct"
        ]
      },
      "description": "1 to 5 scenarios."
    }
  },
  "required": [
    "purchase_price",
    "monthly_rent",
    "scenarios"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#"
}
🟢amortization_summary(loan_amount, annual_rate_pct, term_years, interest_only_years, balance_after_years)

Exact month-by-month amortization: monthly payment, number of payments, final payment, total interest, total paid and the remaining balance after chosen years. Supports an interest-only period followed by amortization over the remaining term, as many DSCR loans use. Interest is rounded half up to the cent each month, like a lender schedule.

Eingabe-Schema

{
  "type": "object",
  "properties": {
    "loan_amount": {
      "type": "number",
      "exclusiveMinimum": 0,
      "description": "Loan amount in USD."
    },
    "annual_rate_pct": {
      "type": "number",
      "minimum": 0,
      "maximum": 30,
      "description": "Annual note rate in percent, e.g. 7.25. Up to 3 decimals."
    },
    "term_years": {
      "type": "integer",
      "minimum": 1,
      "maximum": 40,
      "description": "Amortization term in years. Default 30."
    },
    "interest_only_years": {
      "type": "integer",
      "minimum": 0,
      "maximum": 39,
      "description": "Interest-only years at the start, e.g. 10. Default 0. Must be less than term_years."
    },
    "balance_after_years": {
      "maxItems": 10,
      "type": "array",
      "items": {
        "type": "integer",
        "minimum": 1,
        "maximum": 40
      },
      "description": "Years after which to report the balance. Default [1, 5, 10]."
    }
  },
  "required": [
    "loan_amount",
    "annual_rate_pct"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#"
}

Community

Diesen Server bewerten

Nachweis

Aktuelle Beobachtungen

verifiziertVersion nicht aufgezeichnet5 Tools