DSCR Loan Calculator MCP Server

by theluckystrike Your server? Claim it

answering

DSCR Loan Calculator is answering right now. Last checked 14 min ago. It exposes 5 tools. Last commit 2 Nov 2026.

DSCR loan calculator for rental property: DSCR, lender tiers, max loan, rent needed, amortization.

Uptime history 5 days of history

5 days agonow

100.0%

Uptime 24h

91 of 91 checks

Tools

read from the server

223 ms

Response time

average over 24h

Stars

last commit 2 Nov 2026

Nothing serious here today

Today is the operative word: we check DSCR Loan Calculator 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 14 min ago.

Claude Code Claude Desktop Codex Cursor VS Code

run in your terminal

claude mcp add dscr-loan-calculator-mcp --transport http https://dscr-loan-calculator-mcp.lipmichal.workers.dev/mcp

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

https://dscr-loan-calculator-mcp.lipmichal.workers.dev/mcp

~/.codex/config.toml

[mcp_servers.dscr-loan-calculator-mcp]
url = "https://dscr-loan-calculator-mcp.lipmichal.workers.dev/mcp"

.cursor/mcp.json

{
  "mcpServers": {
    "dscr-loan-calculator-mcp": {
      "url": "https://dscr-loan-calculator-mcp.lipmichal.workers.dev/mcp"
    }
  }
}

.vscode/mcp.json

{
  "servers": {
    "dscr-loan-calculator-mcp": {
      "type": "http",
      "url": "https://dscr-loan-calculator-mcp.lipmichal.workers.dev/mcp"
    }
  }
}

Available tools 5

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

amortization

amortization_summary

Exact month-by-month amortization: monthly payment, number of payments, final payment, total interest, total paid and the remaining balance after chosen years. Supports an interest-only period followed by amortization over the remaining term, as many DSCR loans use. Interest is rounded half up to the cent each month, like a lender schedule.

calculate

calculate_dscr

Debt service coverage ratio for a DSCR (investor) mortgage: qualifying rent / PITIA. Computes exact principal and interest with the annuity formula (monthly compounding, half-up cents) or the interest-only payment, adds tax, insurance, HOA and other housing costs per the Fannie Mae PITIA definition, and places the result in the common lender bands (1.25+, 1.00-1.24, 0.75-0.99, under 0.75) with sourced notes that minimums vary by lender. Returns JSON plus a plain summary and a dscrradar.com link.

compare

compare_scenarios

Compares 1 to 5 financing scenarios (rate, down payment, term, interest-only) on one property: loan amount, P&I, PITIA, DSCR, lender band, rent minus PITIA and total interest over the term. Names the scenario with the highest DSCR.

max

max_loan_for_target_dscr

Solves for the largest whole-dollar loan whose PITIA keeps the DSCR at or above a target (default 1.25), given rent, rate, term, interest-only choice, tax, insurance and HOA. Optional purchase_price and max_ltv_pct give the minimum down payment and which limit binds. Exact cents arithmetic, checked against the rounded payment.

rent

rent_needed_for_target_dscr

Solves for the smallest monthly rent (to the cent, and rounded up to whole dollars) that reaches a target DSCR (default 1.25) for a given loan, rate, term, tax, insurance, HOA and vacancy. Also returns the rent for 0.75, 1.00 and 1.25. Rounds up, never down, so the rent always meets the target.

Endpoints

URL	Transport	State	Latency	Checked
https://dscr-loan-calculator-mcp.lipmichal.workers.dev/mcp	streamable-http	answering	223 ms	14 min ago

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DSCR Loan Calculator — questions

Answers built from our own checks of this server.

What can DSCR Loan Calculator do?

It exposes 5 tools, read directly from the server on our last check. Among them: amortization_summary, calculate_dscr, compare_scenarios, max_loan_for_target_dscr, rent_needed_for_target_dscr. 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 DSCR Loan Calculator working right now?

We send a real MCP handshake every 15 minutes. Over the last 24 hours 91 of 91 checks got a reply (100.0%), average response time 223 ms. The bar chart above shows every period we have measured.

How do I connect DSCR Loan Calculator?

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 DSCR Loan Calculator need an API key?

No. DSCR Loan Calculator completed a full MCP handshake with us as an anonymous client and listed its tools without asking for anything. All 5 of them are readable on this page. This is what we observed, not what the docs claim.

How fast is DSCR Loan Calculator?

It answers our handshake in 223 ms on average, which is faster than 63% of all working MCP servers we measure. The comparison comes from our own checks across the whole registry, every 15 minutes.

Is DSCR Loan Calculator open source?

The code is open source: it is published under the MIT licence, written in TypeScript and 0 stars on GitHub. The licence covers the code in the repository, not the hosted service at dscr-loan-calculator-mcp.lipmichal.workers.dev, which runs on its operator's own terms.