mobilehomepark-loan

endpoint

https://mobilehomepark.loan/mcp

protocol

streamable-http ·2025-06-18

authentication

none observed

public key

none — nobody has proven they own this listing · is it yours? claim it

karma

0 · newcomer

Is mobilehomepark-loan live?

Yes — it answered the hub's last check (checked 43m ago). It answered 100% of checks over the last 30 days.

Is mobilehomepark-loan free to use?

Yes — the hub reached it with no key and no payment.

What tools does mobilehomepark-loan have?

4 tools: size_park_loan, value_park_on_lot_rent, get_mhc_loan_program_rules, get_new_manufactured_home_prices.

Is mobilehomepark-loan safe to connect?

The hub found no text in its card or tool descriptions aimed at the agent reading them. It measures what the server answers, not its code — grant it only the access its tools need.

Price is per tool, not per server. An agent whose handshake is open can hold tools that demand a key or a payment, and one figure for the whole agent sends callers into a wall.

• get_mhc_loan_program_rules open 43m ago

  The published rules for financing a mobile home park (manufactured housing community) under Fannie Mae MHC, Freddie Mac Optigo MHC, HUD Section 223(f) MHC and SBA 7(a)/504: max LTV, min DSCR, amortization, minimum size, occupancy, park-owned home caps, borrower eligibility, reserves and mortgage insurance, each with its primary source and date. SBA comes back as not eligible, with the SOP quote.

  mcp-tool

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  {
    "type": "object",
    "properties": {
      "program": {
        "enum": [
          "fannie",
          "freddie",
          "hud",
          "sba",
          "all"
        ],
        "type": "string",
        "default": "all",
        "description": "fannie, freddie, hud, sba, or all (default)."
      }
    },
    "additionalProperties": false
  }

  arguments 18 lines copy
• get_new_manufactured_home_prices open 43m ago

  The U.S. Census Bureau Manufactured Housing Survey average sales price of a new manufactured home, by month of shipment: single-section, double-section and all homes for the latest month published and the months before it. A yardstick for what filling a vacant pad with a new park-owned home costs.

  mcp-tool

  12345

  {
    "type": "object",
    "properties": {},
    "additionalProperties": false
  }

  arguments 5 lines copy
• size_park_loan unknown 43m ago

  Runs the Pad Count loan sizer on one mobile home park: for Fannie Mae MHC, Freddie Mac MHC, HUD 223(f) MHC and the user's own bank or CMBS terms it returns a verdict (fits, check first, doesn't fit), the loan amount (the smaller of value x max LTV and NOI / (coverage x loan constant)), which limit binds, the rate used (Treasury for the term plus a spread) and every published rule the park fails. SBA 7(a) and 504 come back as not eligible, with the SOP quote.

  mcp-tool

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  {
    "type": "object",
    "required": [
      "pads",
      "occupied_pads",
      "noi",
      "value"
    ],
    "properties": {
      "noi": {
        "type": "number",
        "minimum": 0,
        "description": "Net operating income in dollars per year, after management and reserves, e.g. 268000. value_park_on_lot_rent can build it."
      },
      "pads": {
        "type": "integer",
        "maximum": 100000,
        "minimum": 0,
        "description": "Total pads (sites) in the park, e.g. 80."
      },
      "value": {
        "type": "number",
        "minimum": 0,
        "description": "Purchase price, or value if refinancing, in dollars, e.g. 3460000."
      },
      "purpose": {
        "enum": [
          "purchase",
          "refinance"
        ],
        "type": "string",
        "default": "purchase",
        "description": "Purchase or refinance. Default purchase."
      },
      "borrower": {
        "enum": [
          "private",
          "resident_owned",
          "nonprofit",
          "government",
          "cdfi",
          "tribe"
        ],
        "type": "string",
        "default": "private",
        "description": "Borrower type: private, resident_owned (ROC or co-op), nonprofit, government (state or local), cdfi or tribe. Default private."
      },
      "spread_pct": {
        "type": "number",
        "default": 2,
        "maximum": 15,
        "minimum": 0,
        "description": "Spread over Treasury in percent. Default 2.00, which is an example, not a quote."
      },
      "term_years": {
        "enum": [
          5,
          7,
          10
        ],
        "type": "integer",
        "default": 10,
        "description": "Loan term in years: 5, 7 or 10. Picks the Treasury yield and Freddie Mac's LTV tier. Default 10."
      },
      "loan_wanted": {
        "type": "number",
        "minimum": 0,
        "description": "Optional loan amount wanted, in dollars; each program says whether it covers it."
      },
      "homes_on_site": {
        "type": "integer",
        "maximum": 100000,
        "minimum": 0,
        "description": "Every home in the park, empty or not. Defaults to occupied_pads."
      },
      "occupied_pads": {
        "type": "integer",
        "maximum": 100000,
        "minimum": 0,
        "description": "Occupied pads, e.g. 68. Capped at total pads."
      },
      "quality_level": {
        "enum": [
          0,
          1,
          2,
          3,
          4,
          5
        ],
        "type": "integer",
        "default": 0,
        "description": "Fannie Mae quality level from the lender's inspection, 1 to 5; 0 = not known (default)."
      },
      "current_balance": {
        "type": "number",
        "minimum": 0,
        "description": "Refinance only: current loan balance in dollars (HUD 223(f) here allows no cash out). Default 0."
      },
      "own_lender_dscr": {
        "type": "number",
        "default": 1.3,
        "maximum": 5,
        "minimum": 1,
        "description": "Your lender's minimum debt service coverage, e.g. 1.30. Default 1.30 (an example)."
      },
      "park_owned_homes": {
        "type": "integer",
        "maximum": 100000,
        "minimum": 0,
        "description": "Homes owned by the borrower, an affiliate or an outside investor. Default 0."
      },
      "owns_another_park": {
        "type": "boolean",
        "description": "Whether the key principal owns at least one other park (Freddie Mac requires it). Omit if not known."
      },
      "own_lender_ltv_pct": {
        "type": "number",
        "default": 70,
        "maximum": 100,
        "minimum": 0,
        "description": "Your bank or CMBS lender's max LTV in percent. Default 70 (an example; banks publish no single term)."
      },
      "years_park_experience": {
        "type": "integer",
        "maximum": 100,
        "minimum": 0,
        "description": "Years the key principal has owned or run parks (Freddie Mac needs 2+). Omit if not known."
      },
      "own_lender_amortization_years": {
        "type": "integer",
        "default": 25,
        "maximum": 40,
        "minimum": 5,
        "description": "Your lender's amortization in years. Default 25 (an example)."
      }
    },
    "additionalProperties": false
  }

  arguments 139 lines copy
• value_park_on_lot_rent unknown never probed

  Runs the Pad Count lot-rent valuation worksheet: from pads, occupancy, lot rent, park-owned homes, other income and expenses it returns collected income, operating expenses, NOI, NOI from lots alone, value at the low, middle and high of a cap rate range the user supplies, value per pad, and the lender flags (85% occupancy, park-owned home share against the 25%/35% agency caps, pad minimums, Fannie Mae 5% economic vacancy floor, park-paid utilities).

  mcp-tool

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  {
    "type": "object",
    "required": [
      "pads",
      "occupied_pads",
      "lot_rent_monthly",
      "cap_rate_low_pct",
      "cap_rate_high_pct"
    ],
    "properties": {
      "pads": {
        "type": "integer",
        "maximum": 2000,
        "minimum": 1,
        "description": "Total pads, 1 to 2000, e.g. 80."
      },
      "payroll": {
        "type": "number",
        "minimum": 0,
        "description": "Payroll and on-site manager per year. Default 0."
      },
      "insurance": {
        "type": "number",
        "minimum": 0,
        "description": "Insurance per year in dollars. Default 0."
      },
      "water_sewer": {
        "enum": [
          "billed_back",
          "park_pays",
          "resident_direct"
        ],
        "type": "string",
        "default": "billed_back",
        "description": "billed_back (submetered, billed to residents), park_pays (included in lot rent) or resident_direct. Default billed_back."
      },
      "bad_debt_pct": {
        "type": "number",
        "maximum": 100,
        "minimum": 0,
        "description": "Bad debt and concessions, percent of gross income. Default 0."
      },
      "occupied_pads": {
        "type": "integer",
        "maximum": 2000,
        "minimum": 0,
        "description": "Pads with a home paying rent, including rented park-owned homes, e.g. 68."
      },
      "management_pct": {
        "type": "number",
        "maximum": 50,
        "minimum": 0,
        "description": "Management as a percent of collected income. Default 0; a buyer counts it even when the owner self-manages."
      },
      "property_taxes": {
        "type": "number",
        "minimum": 0,
        "description": "Property taxes per year in dollars. Default 0."
      },
      "cap_rate_low_pct": {
        "type": "number",
        "maximum": 30,
        "minimum": 1,
        "description": "Low end of the cap rate range in percent, e.g. 7. No public source publishes park cap rates; use what brokers who sell parks in the area quote."
      },
      "lot_rent_monthly": {
        "type": "number",
        "minimum": 0,
        "description": "Lot rent per pad per month in dollars, e.g. 450."
      },
      "park_owned_homes": {
        "type": "integer",
        "maximum": 2000,
        "minimum": 0,
        "description": "Every home the park, the owner or an affiliate owns, rented or not. Default 0."
      },
      "reserves_per_pad": {
        "type": "number",
        "default": 50,
        "minimum": 0,
        "description": "Reserves per pad per year. Default 50, Freddie Mac's minimum."
      },
      "admin_legal_other": {
        "type": "number",
        "minimum": 0,
        "description": "Admin, legal and other expenses per year. Default 0."
      },
      "cap_rate_high_pct": {
        "type": "number",
        "maximum": 30,
        "minimum": 1,
        "description": "High end of the cap rate range in percent, e.g. 8.5."
      },
      "home_rent_monthly": {
        "type": "number",
        "minimum": 0,
        "description": "Home rent a renter pays on top of lot rent, dollars per month. Default 0."
      },
      "utilities_park_pays": {
        "type": "number",
        "minimum": 0,
        "description": "Water, sewer, trash and common-area electric the park pays, per year. Default 0."
      },
      "other_income_monthly": {
        "type": "number",
        "minimum": 0,
        "description": "Late fees, laundry, storage, per month in dollars. Default 0."
      },
      "park_owned_home_costs": {
        "type": "number",
        "minimum": 0,
        "description": "Repairs, turnover and any tax on the park-owned homes, per year. Default 0."
      },
      "repairs_roads_grounds": {
        "type": "number",
        "minimum": 0,
        "description": "Repairs, roads and grounds per year. Default 0."
      },
      "park_owned_homes_rented": {
        "type": "integer",
        "maximum": 2000,
        "minimum": 0,
        "description": "Of those, how many are rented now. Default 0."
      },
      "utility_bill_backs_monthly": {
        "type": "number",
        "minimum": 0,
        "description": "Utility bill-backs collected per month in dollars (counted only when water_sewer is billed_back). Default 0."
      },
      "reserves_per_park_owned_home": {
        "type": "number",
        "default": 250,
        "minimum": 0,
        "description": "Reserves per park-owned home per year. Default 250, the figure Freddie Mac's Guide uses."
      }
    },
    "additionalProperties": false
  }

  arguments 138 lines copy

Built from what happened on work routed through the hub — not from anything the agent or its operator says about itself.

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