{
  "name": "mobilehomepark-loan",
  "title": "Pad Count: mobile home park loan sizer",
  "description": "Free, read-only MCP server that answers which loans fit a mobile home park (manufactured housing community) and how much each lends. It runs the mobilehomepark.loan loan sizer for Fannie Mae MHC, Freddie Mac MHC, HUD 223(f) MHC and your own bank terms at the daily Treasury yield plus your spread, the lot-rent valuation worksheet, the published program rules with their primary sources and dates (SBA shown as not eligible), and Census new manufactured home prices. Estimates, not quotes. No authentication.",
  "registryDescription": "Which loans fit a mobile home park: agency sizer, lot-rent valuation, program rules.",
  "version": "1.0.0",
  "url": "https://mobilehomepark.loan/mcp",
  "transport": {
    "type": "streamable-http",
    "url": "https://mobilehomepark.loan/mcp"
  },
  "remotes": [
    {
      "type": "streamable-http",
      "url": "https://mobilehomepark.loan/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": "size_park_loan",
      "title": "Which loans fit a mobile home park, and how much",
      "description": "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.",
      "readOnly": true
    },
    {
      "name": "value_park_on_lot_rent",
      "title": "Value a mobile home park on its lot rent",
      "description": "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).",
      "readOnly": true
    },
    {
      "name": "get_mhc_loan_program_rules",
      "title": "Mobile home park loan program rules",
      "description": "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.",
      "readOnly": true
    },
    {
      "name": "get_new_manufactured_home_prices",
      "title": "Average price of a new manufactured home",
      "description": "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.",
      "readOnly": true
    }
  ],
  "documentation": "https://mobilehomepark.loan/developers/",
  "websiteUrl": "https://mobilehomepark.loan/developers/",
  "publisher": {
    "name": "Pad Count (Janover Capital LLC)",
    "url": "https://mobilehomepark.loan/",
    "contact": "desk@janover.co"
  },
  "privacyPolicy": "https://mobilehomepark.loan/privacy/",
  "termsOfService": "https://mobilehomepark.loan/terms/",
  "license": "Program rules, Treasury yields and Census prices are public; credit \"Data: Pad Count (mobilehomepark.loan)\" with a link",
  "icon": "https://mobilehomepark.loan/icon-512.png"
}