Koskamo

Apartment Loans MCP

An official MCP server provided by Janover Capital LLC that exposes the same loan sizing engine used on apartment.loans. It allows AI agents to size apartment loans based on LTV, DSCR, and debt yield, compare agency programs like Fannie Mae and HUD, calculate cash-out proceeds, test bridge takeouts, and check eligibility against specific lender criteria.

Visit Janover Capital LLC

Endpoint and access

No sign-in to connect and list tools. Individual tools may still need a vendor account, credentials, or permissions; check the documented prerequisites.

Apartment Loans MCP logo, by Janover Capital LLCVendor evidenceStreamable HTTPNo sign-inEndpoint checked 2026-11-02Operated by Janover Capital LLC
MCP endpoint (Streamable HTTP)
https://apartment.loans/mcp
Vendor documentation

What its tools do

8 tools, grouped by the hints the server advertises. Hints are self-declared, not verified behavior.

Read-only (8)

8 of 8 have a description · 8 of 8 declare behavior hints · 8 of 8 with parameters document them all

Checks and signals

Each line is separate evidence, not a trust score.

  • Passed Endpoint answered the live check ·
  • Passed Official MCP Registry namespace is tied to apartment.loans ·
  • Passed Endpoint is on the registry namespace domain ·
  • Availability 1 of 1 checks passed in 30 days

What you can do with it

  • Size an apartment loan based on value, NOI, and rate
  • Compare refinance options across Fannie Mae, Freddie Mac, and HUD programs
  • Calculate net cash from a cash-out refinance
  • Screen a deal for eligibility against specific agency criteria

Source and maintenance

Vendor evidenceRegistry 1.2026.1102.0
mcp-registry: loans.apartment/apartment-loans@1.2026.1102.0Project website

Protocol and capabilities

Server
apartment-loans 1.0.0
MCP protocol negotiated in check
2025-06-18
Tools
8 advertised
Resources
Not advertised
Resource templates
Not advertised
Prompts
Not advertised
Server-advertised capabilities
{
  "tools": {
    "listChanged": false
  }
}

Server-provided instructions

Untrusted server output shown for inspection. It is not Koskamo guidance and is excluded from knowledge search.

Tools that size and compare financing for 5+ unit apartment buildings. Rates are percents (6.25), DSCR is a multiple (1.25), LTV is a percent. Results are estimates, not quotes. Get real quotes at https://apartment.loans/get-financing/ Published by Janover Capital LLC.

Tools

8 advertised

size_loan — Size an apartment loan
Advertised by the server during the last successful anonymous check.
Advertised read-only

Size an apartment loan the way a lender does: the lowest of the LTV, DSCR and debt-yield limits.

size_loan input schema
{
  "type": "object",
  "required": [
    "value",
    "noi",
    "rate"
  ],
  "properties": {
    "noi": {
      "type": "number",
      "description": "Net operating income, dollars per year"
    },
    "rate": {
      "type": "number",
      "description": "Interest rate, percent (6.25)"
    },
    "amort": {
      "type": "number",
      "description": "Amortization, years"
    },
    "value": {
      "type": "number",
      "description": "Appraised value, dollars"
    },
    "max_ltv": {
      "type": "number",
      "description": "Maximum LTV, percent"
    },
    "min_dscr": {
      "type": "number",
      "description": "Minimum DSCR, multiple (1.25)"
    },
    "min_debt_yield": {
      "type": "number",
      "description": "Minimum debt yield, percent; 0 if not tested"
    }
  }
}
size_loan annotations
{
  "title": "Size an apartment loan",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
compare_programs — Compare agency loan programs
Advertised by the server during the last successful anonymous check.
Advertised read-only

Max refinance loan under each agency program's published limits (Fannie Mae Small Loans, Freddie Mac Conventional Small, HUD 223(f)) plus a bank case.

compare_programs input schema
{
  "type": "object",
  "required": [
    "value",
    "noi",
    "rate"
  ],
  "properties": {
    "noi": {
      "type": "number",
      "description": "NOI, dollars per year"
    },
    "rate": {
      "type": "number",
      "description": "Rate to test, percent"
    },
    "units": {
      "type": "number",
      "description": "Number of units"
    },
    "value": {
      "type": "number",
      "description": "Appraised value, dollars"
    },
    "payoff": {
      "type": "number",
      "description": "Current loan payoff, dollars"
    }
  }
}
compare_programs annotations
{
  "title": "Compare agency loan programs",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
cash_out — Cash-out refinance proceeds
Advertised by the server during the last successful anonymous check.
Advertised read-only

Net cash to the borrower from a cash-out refinance after payoff, prepayment, closing costs and reserves.

cash_out input schema
{
  "type": "object",
  "required": [
    "value",
    "noi",
    "payoff",
    "rate"
  ],
  "properties": {
    "noi": {
      "type": "number",
      "description": "NOI per year"
    },
    "rate": {
      "type": "number",
      "description": "Rate, percent"
    },
    "amort": {
      "type": "number",
      "description": "Amortization, years"
    },
    "value": {
      "type": "number",
      "description": "Appraised value"
    },
    "payoff": {
      "type": "number",
      "description": "Current payoff"
    },
    "max_ltv": {
      "type": "number",
      "description": "Max LTV, percent"
    },
    "min_dscr": {
      "type": "number",
      "description": "Min DSCR"
    },
    "reserves": {
      "type": "number",
      "description": "Reserves and escrows, dollars"
    },
    "closing_pct": {
      "type": "number",
      "description": "Closing costs, percent of new loan"
    },
    "prepay_cost": {
      "type": "number",
      "description": "Prepayment cost, dollars"
    }
  }
}
cash_out annotations
{
  "title": "Cash-out refinance proceeds",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
bridge_takeout — Bridge-to-permanent takeout test
Advertised by the server during the last successful anonymous check.
Advertised read-only

Test whether a bridge loan refinances into permanent debt at stabilization; returns surplus or shortfall, NOI needed and the highest workable rate.

bridge_takeout input schema
{
  "type": "object",
  "required": [
    "payoff",
    "noi",
    "rate",
    "cap_rate"
  ],
  "properties": {
    "noi": {
      "type": "number",
      "description": "Stabilized NOI"
    },
    "rate": {
      "type": "number",
      "description": "Permanent rate, percent"
    },
    "amort": {
      "type": "number",
      "description": "Amortization, years"
    },
    "payoff": {
      "type": "number",
      "description": "Bridge payoff incl. exit fee"
    },
    "max_ltv": {
      "type": "number",
      "description": "Max LTV, percent"
    },
    "cap_rate": {
      "type": "number",
      "description": "Cap rate for value, percent"
    },
    "min_dscr": {
      "type": "number",
      "description": "Min DSCR"
    }
  }
}
bridge_takeout annotations
{
  "title": "Bridge-to-permanent takeout test",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
refinance_break_even — Refinance now or wait
Advertised by the server during the last successful anonymous check.
Advertised read-only

Refinance now and pay the prepayment cost, or wait for the open window.

refinance_break_even input schema
{
  "type": "object",
  "required": [
    "balance",
    "rate",
    "months",
    "prepay_pct",
    "new_rate"
  ],
  "properties": {
    "rate": {
      "type": "number",
      "description": "Current rate, percent"
    },
    "months": {
      "type": "number",
      "description": "Months until the open window"
    },
    "balance": {
      "type": "number",
      "description": "Loan balance"
    },
    "new_rate": {
      "type": "number",
      "description": "New rate, percent"
    },
    "prepay_pct": {
      "type": "number",
      "description": "Prepayment cost today, percent of balance"
    }
  }
}
refinance_break_even annotations
{
  "title": "Refinance now or wait",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
maturity_timeline — Refinance timeline from maturity
Advertised by the server during the last successful anonymous check.
Advertised read-only

Dated refinance milestones working back from a loan maturity date.

maturity_timeline input schema
{
  "type": "object",
  "required": [
    "maturity"
  ],
  "properties": {
    "target": {
      "type": "string",
      "description": "agency | bank | hud | cmbs | bridge"
    },
    "maturity": {
      "type": "string",
      "description": "Maturity date, YYYY-MM-DD"
    },
    "close_days": {
      "type": "number",
      "description": "Application-to-closing days (optional)"
    }
  }
}
maturity_timeline annotations
{
  "title": "Refinance timeline from maturity",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
check_eligibility — Agency program eligibility screen
Advertised by the server during the last successful anonymous check.
Advertised read-only

Screen a deal against published Fannie Mae Small Loans, Freddie Mac Conventional Small and HUD 223(f) criteria.

check_eligibility input schema
{
  "type": "object",
  "required": [
    "units",
    "loan",
    "dscr",
    "ltv"
  ],
  "properties": {
    "ltv": {
      "type": "number",
      "description": "LTV, percent"
    },
    "dscr": {
      "type": "number",
      "description": "DSCR at that loan"
    },
    "loan": {
      "type": "number",
      "description": "Loan amount"
    },
    "units": {
      "type": "number",
      "description": "Units"
    },
    "liquidity": {
      "type": "number",
      "description": "Sponsor liquidity"
    },
    "net_worth": {
      "type": "number",
      "description": "Sponsor net worth"
    },
    "occupancy": {
      "type": "number",
      "description": "Physical occupancy, percent"
    },
    "occupancy_months": {
      "type": "number",
      "description": "Months at that occupancy"
    }
  }
}
check_eligibility annotations
{
  "title": "Agency program eligibility screen",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
match_programs — Match loan programs to a deal
Advertised by the server during the last successful anonymous check.
Advertised read-only

Rank loan programs for a deal with the reasons each fits or fails.

match_programs input schema
{
  "type": "object",
  "required": [
    "units",
    "occupancy",
    "loan"
  ],
  "properties": {
    "hold": {
      "type": "string",
      "description": "short | mid | long"
    },
    "loan": {
      "type": "number",
      "description": "Loan amount"
    },
    "reno": {
      "type": "string",
      "description": "none | light | heavy"
    },
    "units": {
      "type": "number",
      "description": "Units"
    },
    "recourse": {
      "type": "string",
      "description": "none | ok"
    },
    "occupancy": {
      "type": "number",
      "description": "Occupancy, percent"
    }
  }
}
match_programs annotations
{
  "title": "Match loan programs to a deal",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

Prompts

Not advertised

No prompt definitions available.

Resources

Not advertised

No resource definitions available.

90-day uptime

A lightweight connection check about every six hours, sampled on hosts with many listings. It shows the server answered, not that its tools work.

Too few checks for a percentage yet (8 of 8 answered).

  1. 2026-11-02: 3 of 3 checks answered
  2. 2026-11-03: 4 of 4 checks answered
  3. 2026-11-04: 1 of 1 checks answered

30-day availability

Aggregated from read-only remote checks; this is not a tool-execution or security guarantee.

Successful checks
1 of 1 (100%)
Average latency
582 ms
95th percentile latency
582 ms

Maintenance history

Public check and source-refresh events. Editorial and ownership records remain private.

  • · probe · passed · 582 ms · metadata changed · 8 tool(s)

Connect from your client

Each snippet registers the same endpoint; pick the client you use.

This server is operated by the named third party. Listing and endpoint checks are not an endorsement or a security audit. Review the operator's permissions, terms, and data handling before connecting. How listings are checked and corrected.

Claude Code

Run this once in a terminal. It registers the remote server. Use --scope project to write .mcp.json for the repo.
Claude Code configuration
claude mcp add --transport http apartment-loans-mcp https://apartment.loans/mcp

Codex

Run this once. Codex stores MCP servers in ~/.codex/config.toml (or .codex/config.toml in a trusted project).
Codex configuration
codex mcp add apartment-loans-mcp --url https://apartment.loans/mcp

Cursor

Merge this server into .cursor/mcp.json in your project, then enable apartment-loans-mcp in your MCP settings.
Cursor configuration
{
  "mcpServers": {
    "apartment-loans-mcp": {
      "url": "https://apartment.loans/mcp"
    }
  }
}

Cline

Merge this into cline_mcp_settings.json (Cline → MCP Servers → Configure).
Cline configuration
{
  "mcpServers": {
    "apartment-loans-mcp": {
      "type": "streamableHttp",
      "url": "https://apartment.loans/mcp",
      "disabled": false
    }
  }
}

VS Code

Merge this server into .vscode/mcp.json. Use MCP: List Servers to start apartment-loans-mcp and inspect its tools.
VS Code configuration
{
  "servers": {
    "apartment-loans-mcp": {
      "type": "http",
      "url": "https://apartment.loans/mcp"
    }
  }
}

Gemini CLI

Run this once. It writes .gemini/settings.json in the current project; pass --scope user for ~/.gemini/settings.json.
Gemini CLI configuration
gemini mcp add --transport http apartment-loans-mcp https://apartment.loans/mcp

Claude Desktop

Open Claude Settings > Connectors > Add custom connector, enter this server URL and enable it for the conversation. This is a manual remote-connector handoff, not a desktop JSON configuration.
Claude Desktop configuration
https://apartment.loans/mcp

Windsurf

Merge this into ~/.codeium/windsurf/mcp_config.json, then refresh MCP in Cascade. Windsurf remote servers use serverUrl, not url.
Windsurf configuration
{
  "mcpServers": {
    "apartment-loans-mcp": {
      "serverUrl": "https://apartment.loans/mcp"
    }
  }
}

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