Fix and Flip Loans MCP

A free, read-only MCP server that allows AI assistants to run a fix-and-flip profit calculator with hard-money costs and look up published terms from hard-money and DSCR lenders by state. It provides tools to calculate profit, compare lender costs, find lenders by state, and retrieve specific lender terms, with all answers linking to source data.

Visit Fix and Flip Loans

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.

Vendor evidenceStreamable HTTPNo sign-inEndpoint checked 2026-11-01Operated by Fix and Flip Loans

MCP endpoint (Streamable HTTP)

https://fixandflip.loans/mcp

Vendor documentation

What you can do with it

Calculate fix-and-flip profit, cash in, return on cash, and breakeven sale price using hard-money loan parameters.
Compare advertised starting rates from multiple hard-money and DSCR lenders to determine which leaves the most profit.
Find hard-money or DSCR lenders that lend in a specific state along with their credit and experience rules.
Retrieve detailed loan terms, rates, and states for a specific lender as published on their website.

Source and maintenance

Vendor evidenceRegistry 1.2026.1101.1

mcp-registry: loans.fixandflip/fixandflip-loans@1.2026.1101.1 Project website

Protocol and capabilities

Server: fixandflip-loans 1.0.0
MCP protocol: 2025-06-18
Tools: 4 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.

Fix and Flip Loans (fixandflip.loans) answers two kinds of question about house flipping: what a flip makes after hard-money costs, and which hard-money and DSCR lenders publish terms for a state. calculate_flip_profit runs the site's own calculator (profit, cash in, return on cash, 70% rule, breakeven); inputs not given fall back to the calculator's example deal, and every result lists which ones it used. compare_lender_costs prices one flip at each lender's advertised starting rate. Lender terms (19 lenders) come from each lender's own website, read 2026-10-24, and every result links the source page; advertised rates are best-case starting points that change often. Order is never a recommendation. Results are estimates and published terms, not a loan offer, quote, appraisal, or tax or legal advice. These are business-purpose loans for investment property, not owner-occupied mortgages. Docs: https://fixandflip.loans/developers/

Tools

4 advertised

calculate_flip_profit — Fix-and-flip profit calculator

Advertised by the server during the last successful anonymous check.

Advertised read-only

Runs the fixandflip.loans calculator on a deal: profit, cash you put in, return on cash (and simple annualized), profit as % of ARV, the hard-money loan with interest, points and fees, holding and selling costs, the 70% rule maximum price and whether the deal meets it, and the breakeven sale price. Optionally prices the loan at a listed lender's advertised starting rate.

calculate_flip_profit input schema

{
  "type": "object",
  "required": [
    "purchase_price",
    "rehab_cost",
    "arv"
  ],
  "properties": {
    "arv": {
      "type": "number",
      "maximum": 100000000,
      "minimum": 1000,
      "description": "After-repair value (expected sale price) in dollars, e.g. 340000."
    },
    "lender": {
      "type": "string",
      "description": "Optional lender name (e.g. \"Kiavi\"): use its advertised fix-and-flip starting rate instead of rate_pct. Do not give both."
    },
    "months": {
      "type": "integer",
      "maximum": 36,
      "minimum": 1,
      "description": "Months from purchase to sale. Default 6."
    },
    "ltc_pct": {
      "type": "number",
      "maximum": 100,
      "minimum": 0,
      "description": "Share of the purchase price the lender advances, %. Default 90."
    },
    "rate_pct": {
      "type": "number",
      "maximum": 30,
      "minimum": 0,
      "description": "Annual interest rate, %, from your own term sheet. Default 10.5 (the calculator's example, not a market rate)."
    },
    "financing": {
      "enum": [
        "hard_money",
        "cash"
      ],
      "type": "string",
      "description": "hard_money (default) or cash (no loan)."
    },
    "points_pct": {
      "type": "number",
      "maximum": 10,
      "minimum": 0,
      "description": "Origination points, % of the loan. Default 2."
    },
    "rehab_cost": {
      "type": "number",
      "maximum": 50000000,
      "minimum": 0,
      "description": "Rehab (renovation) budget in dollars, e.g. 55000."
    },
    "arv_cap_pct": {
      "type": "number",
      "maximum": 100,
      "minimum": 0,
      "description": "Lender's maximum loan as % of ARV. Default 75."
    },
    "interest_on": {
      "enum": [
        "drawn",
        "full_loan"
      ],
      "type": "string",
      "description": "drawn (default): interest only on money drawn, rehab draws spread evenly; full_loan: interest on the whole loan from day one (\"Dutch\")."
    },
    "lender_fees": {
      "type": "number",
      "maximum": 500000,
      "minimum": 0,
      "description": "Underwriting, document and processing fees in dollars. Default 1995."
    },
    "purchase_price": {
      "type": "number",
      "maximum": 50000000,
      "minimum": 1000,
      "description": "Purchase price in dollars, e.g. 210000."
    },
    "rehab_funded_pct": {
      "type": "number",
      "maximum": 100,
      "minimum": 0,
      "description": "Share of the rehab the lender funds in draws, %. Default 100."
    },
    "buy_closing_costs": {
      "type": "number",
      "maximum": 5000000,
      "minimum": 0,
      "description": "Buyer closing costs in dollars. Default 4000."
    },
    "seller_closing_pct": {
      "type": "number",
      "maximum": 20,
      "minimum": 0,
      "description": "Seller closing costs and transfer tax as % of the sale price. Default 1.5."
    },
    "holding_costs_monthly": {
      "type": "number",
      "maximum": 1000000,
      "minimum": 0,
      "description": "Taxes, insurance and utilities per month in dollars. Default 900."
    },
    "selling_commission_pct": {
      "type": "number",
      "maximum": 20,
      "minimum": 0,
      "description": "Agent commissions as % of the sale price. Default 5."
    }
  },
  "additionalProperties": false
}

calculate_flip_profit annotations

{
  "title": "Fix-and-flip profit calculator",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

compare_lender_costs — Compare lenders' advertised rates on one flip

Advertised by the server during the last successful anonymous check.

Advertised read-only

Prices one flip at each listed lender's advertised fix-and-flip starting rate (from its own website, read 2026-10-24), ranked by profit: interest cost, total financing and profit per lender, with your own leverage, points and fees held the same. Optional state keeps only lenders that list it (plus those to check).

compare_lender_costs input schema

{
  "type": "object",
  "required": [
    "purchase_price",
    "rehab_cost",
    "arv"
  ],
  "properties": {
    "arv": {
      "type": "number",
      "maximum": 100000000,
      "minimum": 1000,
      "description": "After-repair value (expected sale price) in dollars, e.g. 340000."
    },
    "state": {
      "type": "string",
      "description": "Optional two-letter property state, e.g. FL."
    },
    "months": {
      "type": "integer",
      "maximum": 36,
      "minimum": 1,
      "description": "Months from purchase to sale. Default 6."
    },
    "ltc_pct": {
      "type": "number",
      "maximum": 100,
      "minimum": 0,
      "description": "Share of the purchase price the lender advances, %. Default 90."
    },
    "financing": {
      "enum": [
        "hard_money",
        "cash"
      ],
      "type": "string",
      "description": "hard_money (default) or cash (no loan)."
    },
    "points_pct": {
      "type": "number",
      "maximum": 10,
      "minimum": 0,
      "description": "Origination points, % of the loan. Default 2."
    },
    "rehab_cost": {
      "type": "number",
      "maximum": 50000000,
      "minimum": 0,
      "description": "Rehab (renovation) budget in dollars, e.g. 55000."
    },
    "arv_cap_pct": {
      "type": "number",
      "maximum": 100,
      "minimum": 0,
      "description": "Lender's maximum loan as % of ARV. Default 75."
    },
    "interest_on": {
      "enum": [
        "drawn",
        "full_loan"
      ],
      "type": "string",
      "description": "drawn (default): interest only on money drawn, rehab draws spread evenly; full_loan: interest on the whole loan from day one (\"Dutch\")."
    },
    "lender_fees": {
      "type": "number",
      "maximum": 500000,
      "minimum": 0,
      "description": "Underwriting, document and processing fees in dollars. Default 1995."
    },
    "purchase_price": {
      "type": "number",
      "maximum": 50000000,
      "minimum": 1000,
      "description": "Purchase price in dollars, e.g. 210000."
    },
    "rehab_funded_pct": {
      "type": "number",
      "maximum": 100,
      "minimum": 0,
      "description": "Share of the rehab the lender funds in draws, %. Default 100."
    },
    "buy_closing_costs": {
      "type": "number",
      "maximum": 5000000,
      "minimum": 0,
      "description": "Buyer closing costs in dollars. Default 4000."
    },
    "seller_closing_pct": {
      "type": "number",
      "maximum": 20,
      "minimum": 0,
      "description": "Seller closing costs and transfer tax as % of the sale price. Default 1.5."
    },
    "holding_costs_monthly": {
      "type": "number",
      "maximum": 1000000,
      "minimum": 0,
      "description": "Taxes, insurance and utilities per month in dollars. Default 900."
    },
    "selling_commission_pct": {
      "type": "number",
      "maximum": 20,
      "minimum": 0,
      "description": "Agent commissions as % of the sale price. Default 5."
    }
  },
  "additionalProperties": false
}

compare_lender_costs annotations

{
  "title": "Compare lenders' advertised rates on one flip",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

find_lenders — Find fix-and-flip or DSCR lenders by state

Advertised by the server during the last successful anonymous check.

Advertised read-only

Lists the hard-money and DSCR lenders on fixandflip.loans whose own websites (read 2026-10-24) say they lend in a state, with starting rate, leverage, minimum credit score, experience rule, loan size and a source link each. Lenders that publish no state list are returned as "check".

find_lenders input schema

{
  "type": "object",
  "properties": {
    "sort": {
      "enum": [
        "rate",
        "name"
      ],
      "type": "string",
      "description": "rate (default; lowest advertised starting rate first, unpublished last) or name."
    },
    "limit": {
      "type": "integer",
      "maximum": 12,
      "minimum": 1,
      "description": "Lenders per page, 1 to 12, default 10."
    },
    "state": {
      "type": "string",
      "description": "Two-letter property state, e.g. TX. Omit for every lender."
    },
    "offset": {
      "type": "integer",
      "maximum": 100,
      "minimum": 0,
      "description": "Lenders to skip, for paging. Default 0."
    },
    "loan_type": {
      "enum": [
        "fix_flip",
        "dscr_rental"
      ],
      "type": "string",
      "description": "fix_flip (default; hard-money rehab loans) or dscr_rental (rental loans sized on rent)."
    },
    "credit_score": {
      "type": "integer",
      "maximum": 850,
      "minimum": 300,
      "description": "Optional, fix_flip only: drop lenders whose published minimum FICO is above this score."
    }
  },
  "additionalProperties": false
}

find_lenders annotations

{
  "title": "Find fix-and-flip or DSCR lenders by state",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

get_lender_terms — One lender's published terms

Advertised by the server during the last successful anonymous check.

Advertised read-only

Everything fixandflip.loans recorded from one lender's own website (read 2026-10-24): fix-and-flip and DSCR rates, leverage, points, terms, credit and experience rules, loan sizes, the states it lends in, license line, notes and the exact source pages.

get_lender_terms input schema

{
  "type": "object",
  "required": [
    "lender"
  ],
  "properties": {
    "lender": {
      "type": "string",
      "description": "Lender name, e.g. \"Kiavi\", \"Lima One\" or \"RCN Capital\"."
    }
  },
  "additionalProperties": false
}

get_lender_terms annotations

{
  "title": "One lender's published terms",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

Prompts

Not advertised

No prompt definitions available.

Resources

Not advertised

No resource definitions available.

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: 431 ms
95th percentile latency: 431 ms

Maintenance history

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

Nov 1, 2026, 10:16 PM UTC · probe · passed · 431 ms · metadata changed · 4 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 fix-and-flip-loans-mcp https://fixandflip.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 fix-and-flip-loans-mcp --url https://fixandflip.loans/mcp

Cursor

Merge this server into .cursor/mcp.json in your project, then enable fix-and-flip-loans-mcp in your MCP settings.

Cursor configuration

{
  "mcpServers": {
    "fix-and-flip-loans-mcp": {
      "url": "https://fixandflip.loans/mcp"
    }
  }
}

Cline

Merge this into cline_mcp_settings.json (Cline → MCP Servers → Configure).

Cline configuration

{
  "mcpServers": {
    "fix-and-flip-loans-mcp": {
      "type": "streamableHttp",
      "url": "https://fixandflip.loans/mcp",
      "disabled": false
    }
  }
}

VS Code

Merge this server into .vscode/mcp.json. Use MCP: List Servers to start fix-and-flip-loans-mcp and inspect its tools.

VS Code configuration

{
  "servers": {
    "fix-and-flip-loans-mcp": {
      "type": "http",
      "url": "https://fixandflip.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 fix-and-flip-loans-mcp https://fixandflip.loans/mcp

Claude Desktop

Merge this into claude_desktop_config.json (macOS: ~/Library/Application Support/Claude/, Windows: %APPDATA%\Claude\), then restart Claude Desktop.

Claude Desktop configuration

{
  "mcpServers": {
    "fix-and-flip-loans-mcp": {
      "url": "https://fixandflip.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": {
    "fix-and-flip-loans-mcp": {
      "serverUrl": "https://fixandflip.loans/mcp"
    }
  }
}

Let your agent find its tools

Find servers like Fix and Flip Loans MCP from your agent. Add Koskamo once to search the index for endpoints, access requirements, and client setup. Public discovery needs no key.

Connect Koskamo Explore workflows

See all 4,788

Do you run Fix and Flip Loans MCP?

Prove ownership with a DNS record, a well-known file, or your Official MCP Registry entry, and your edits publish immediately. Proofs are re-checked weekly; admins can still hide or remove a listing.

Claim this listing

Fix and Flip Loans MCP

Endpoint and access

What you can do with it

Source and maintenance

Protocol and capabilities

Server-provided instructions

Tools

Prompts

Resources

30-day availability

Maintenance history

Connect from your client

Claude Code

Codex

Cursor

Cline

VS Code

Gemini CLI

Claude Desktop

Windsurf

Let your agent find its tools

Other data and analytics servers

Do you run Fix and Flip Loans MCP?