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DSCR Loan Calculator

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

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质量与安全性

A
描述质量
94%
模式完整度
100%
命名质量
88%
投毒风险
100%
权限匹配度
100%
协议合规性
100%

发现（1）

  • LOWTool 'amortization_summary' description lacks action verb在 amortization_summary 中

基于对工具定义和协议合规性的自动分析。

上下文开销

~2,620token 数（工具定义）
~4.7 KB典型响应大小
对注意力有显著影响（占 128k 上下文窗口的 2.05%）

这是每次将服务器的工具加载到模型上下文窗口时所消耗的大致 token 数。数值越高，可用于其他任务的注意力就越少。

安装

一键安装

将以下内容添加到你的 `claude_desktop_config.json` 文件中：

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

远程端点

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

它能做什么

工具清单

工具（5）

🟢 只读🟡 写入🔴 删除⚪ 未知
🟢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.

输入模式

{
  "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.

输入模式

{
  "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.

输入模式

{
  "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.

输入模式

{
  "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.

输入模式

{
  "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#"
}

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已验证未记录版本5 个工具