io.github.theluckystrike/dscr-loan-calculator-mcp · v1.0.0 · finance-and-payments
DSCR Loan Calculator is healthy: it completed an MCP handshake in 823 ms and exposes 5 tools.
DSCR loan calculator for rental property: DSCR, lender tiers, max loan, rent needed, amortization.
Endpoint: https://dscr-loan-calculator-mcp.lipmichal.workers.dev/mcp (streamable-http)
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| Users (last 30 days) | 0 |
| Handshake | Healthy |
| Auth needed | None |
| Tool count | 5 |
| Latency | 823 ms |
| Last checked (UTC) | 2026-10-30T01:10:23.452Z |
| Checked (UTC) | Status | Latency | Error |
|---|---|---|---|
| 2026-10-30T01:10:23.452Z | Healthy | 823 |
calculate_dscr | 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, |
max_loan_for_target_dscr | 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 |
rent_needed_for_target_dscr | 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. |
compare_scenarios | 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. |
amortization_summary | 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 th |