{
  "name": "multifamilyfor-sale",
  "title": "Porchlight: 2-4 unit loan limits and owner-occupant math",
  "description": "Free, read-only MCP server for buying a duplex, triplex or fourplex to live in: current-year FHA forward and FHFA conforming loan limits for 1-4 units in every US county and territory area (from HUD's and FHFA's county files, re-read weekly), state county lists, and the site's owner-occupant calculator: down payment, FHA upfront and annual MIP, PITI, the FHA self-sufficiency test, rent a lender can count and reserves. Every result cites its source and a multifamilyfor.sale page. No authentication.",
  "registryDescription": "FHA and conforming 2-4 unit loan limits by county, plus owner-occupant house-hack math.",
  "version": "1.0.0",
  "url": "https://multifamilyfor.sale/mcp",
  "transport": {
    "type": "streamable-http",
    "url": "https://multifamilyfor.sale/mcp"
  },
  "remotes": [
    {
      "type": "streamable-http",
      "url": "https://multifamilyfor.sale/mcp"
    }
  ],
  "authentication": {
    "type": "none",
    "required": false
  },
  "protocolVersions": [
    "2026-07-28",
    "2025-11-25",
    "2025-06-18",
    "2025-03-26",
    "2024-11-05"
  ],
  "capabilities": {
    "tools": {
      "listChanged": false
    }
  },
  "tools": [
    {
      "name": "get_loan_limits",
      "title": "FHA and conforming loan limits for a county",
      "description": "The 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 inside the limit at 3.5% down.",
      "readOnly": true
    },
    {
      "name": "list_state_loan_limits",
      "title": "Loan limits for every county in a state",
      "description": "One 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.",
      "readOnly": true
    },
    {
      "name": "house_hack_math",
      "title": "Owner-occupant math for a duplex, triplex or fourplex",
      "description": "Runs 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 cost after their rent, and the reserves rule for FHA, VA or conventional.",
      "readOnly": true
    }
  ],
  "documentation": "https://multifamilyfor.sale/developers/",
  "websiteUrl": "https://multifamilyfor.sale/developers/",
  "publisher": {
    "name": "Porchlight (Janover Capital LLC)",
    "url": "https://multifamilyfor.sale/",
    "contact": "desk@janover.co"
  },
  "privacyPolicy": "https://multifamilyfor.sale/privacy/",
  "termsOfService": "https://multifamilyfor.sale/terms/",
  "license": "HUD and FHFA data are public domain; the compilation is CC BY 4.0 (credit \"Data: Porchlight (multifamilyfor.sale)\" with a link)",
  "icon": "https://multifamilyfor.sale/icon-512.png"
}