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

sale.multifamilyfor/multifamilyfor-sale · v1.2026.1101.0 · finance-and-payments

Porchlight: 2-4 unit loan limits and owner-occupant math is healthy: it completed an MCP handshake in 240 ms and exposes 3 tools.

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

Endpoint: https://multifamilyfor.sale/mcp (streamable-http)

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Facts

Users (last 30 days)0
HandshakeHealthy
Auth neededNone
Tool count3
Latency240 ms
Last checked (UTC)2026-11-02T01:55:25.788Z

Health history

Checked (UTC)StatusLatencyError
2026-11-02T01:55:25.788ZHealthy240

Tools (3)

get_loan_limitsThe 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 ins
list_state_loan_limitsOne 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.
house_hack_mathRuns 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