Porchlight: 2-4 unit loan limits and owner-occupant math MCP Server

by multifamilyfor Your server? Claim it

answering

Porchlight: 2-4 unit loan limits and owner-occupant math is answering right now. Last checked 5 min ago. It exposes 3 tools.

FHA and conforming 2-4 unit loan limits by county, plus owner-occupant house-hack math.

Uptime history 22 hours of history

22 hours agonow

100.0%

Uptime 24h

80 of 80 checks

Tools

read from the server

354 ms

Response time

average over 24h

open, no key

Access

streamable-http

Nothing serious here today

Today is the operative word: we check Porchlight: 2-4 unit loan limits and owner-occupant math every 15 minutes and re-read its code on every release. Watch it and you find out the day that stops being true.

Connect this server

Endpoint below is the one we actually reach during checks — not the one copied from a README. Last verified 5 min ago.

Claude Code Claude Desktop Codex Cursor VS Code

run in your terminal

claude mcp add multifamilyfor-sale --transport http https://multifamilyfor.sale/mcp

Settings → Connectors → Add custom connector, then paste this address

https://multifamilyfor.sale/mcp

~/.codex/config.toml

[mcp_servers.multifamilyfor-sale]
url = "https://multifamilyfor.sale/mcp"

.cursor/mcp.json

{
  "mcpServers": {
    "multifamilyfor-sale": {
      "url": "https://multifamilyfor.sale/mcp"
    }
  }
}

.vscode/mcp.json

{
  "servers": {
    "multifamilyfor-sale": {
      "type": "http",
      "url": "https://multifamilyfor.sale/mcp"
    }
  }
}

Available tools 3

Read directly from the server with tools/list, grouped by what they act on. If a tool disappears, we record the date.

house

house_hack_math

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.

loan

get_loan_limits

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.

state

list_state_loan_limits

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.

Endpoints

URL	Transport	State	Latency	Checked
https://multifamilyfor.sale/mcp	streamable-http	answering	130 ms	5 min ago

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Porchlight: 2-4 unit loan limits and owner-occupant math — questions

Answers built from our own checks of this server.

What can Porchlight: 2-4 unit loan limits and owner-occupant math do?

It exposes 3 tools, read directly from the server on our last check. Among them: get_loan_limits, house_hack_math, list_state_loan_limits. The full list with descriptions is on this page — we take it from the server itself via tools/list, not from a README. How MCP servers expose tools in the first place →

Is Porchlight: 2-4 unit loan limits and owner-occupant math working right now?

We send a real MCP handshake every 15 minutes. Over the last 24 hours 80 of 80 checks got a reply (100.0%), average response time 354 ms. The bar chart above shows every period we have measured.

How do I connect Porchlight: 2-4 unit loan limits and owner-occupant math?

Copy the ready config from this page. We generate it for Claude Code, Claude Desktop, Codex, Cursor and VS Code, each in the form that client actually reads. It is a remote server, so there is nothing to install — the client connects to the address.

Does Porchlight: 2-4 unit loan limits and owner-occupant math need an API key?

No. Porchlight: 2-4 unit loan limits and owner-occupant math completed a full MCP handshake with us as an anonymous client and listed its tools without asking for anything. All 3 of them are readable on this page. This is what we observed, not what the docs claim.

How fast is Porchlight: 2-4 unit loan limits and owner-occupant math?

It answers our handshake in 354 ms on average, which is faster than 39% of all working MCP servers we measure. The comparison comes from our own checks across the whole registry, every 15 minutes.