{
  "name": "commercial-mortgage",
  "title": "Commercial.Mortgage: programs, rates and loan sizer",
  "description": "Free, read-only MCP server for US commercial mortgages: match a deal to the site's commercial mortgage programs (Fannie Mae, Freddie Mac, FHA/HUD, bank, credit union, life company, CMBS, bridge, debt fund, DSCR, construction and more) with reasons, cautions, an indicative rate and a max-loan estimate; each program's published limits with as-of dates and primary sources; side-by-side program comparisons; indicative rates for every program with a public spread; prepayment penalty estimates (yield maintenance, defeasance, step-down, SBA 504); live 5/7/10-year Treasury, SOFR and prime with dates; rates by lender type and property type; and a loan sizer on LTV, DSCR and debt-yield limits. Every result cites its source and a commercial.mortgage page. No authentication.",
  "registryDescription": "Match deals to commercial mortgage programs; program rules, live rates, loan sizing, prepayment.",
  "version": "1.1.0",
  "url": "https://commercial.mortgage/mcp",
  "transport": {
    "type": "streamable-http",
    "url": "https://commercial.mortgage/mcp"
  },
  "remotes": [
    {
      "type": "streamable-http",
      "url": "https://commercial.mortgage/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_loan",
      "title": "Size a commercial mortgage",
      "description": "The largest commercial mortgage a property supports under a lender type's loan-to-value, DSCR and debt-yield limits, which test binds, the monthly payment, and the resulting LTV, DSCR, debt yield and cap rate. Same math and defaults as the site's loan sizer; omit lender_type to size the deal under all five lender types.",
      "readOnly": true
    },
    {
      "name": "get_rates_by_lender_type",
      "title": "Indicative commercial mortgage rates by lender type",
      "description": "Indicative commercial mortgage rate ranges for banks, life companies, CMBS, agency and debt funds: each lender type's index today (Treasury or 30-day SOFR, with its date) plus its spread range from a named, dated public source. Banks have no public spread source, so no range is given for them.",
      "readOnly": true
    },
    {
      "name": "get_spreads_by_property_type",
      "title": "Commercial mortgage spreads by property type",
      "description": "Permanent-loan spreads over the 10-year Treasury by property type (multifamily, industrial, retail, office) on 60 to 65% LTV loans, from CRED iQ as of March 31, 2026, plus the indicative rate at today's 10-year yield. Hotel, self storage, medical office and mixed use have no public source and say so.",
      "readOnly": true
    },
    {
      "name": "get_index_rates",
      "title": "Treasury, SOFR and prime today",
      "description": "The latest 5-, 7- and 10-year Treasury yields, overnight and 30-day average SOFR, and the bank prime rate that commercial mortgages price from, each with its observation date, the value a week earlier, the change in basis points and its publisher.",
      "readOnly": true
    },
    {
      "name": "match_programs",
      "title": "Match a deal to commercial mortgage programs",
      "description": "Rank the commercial mortgage programs (agency, FHA/HUD, bank, credit union, life company, CMBS, bridge, debt fund, DSCR, construction and more) that fit a deal, with the reasons and cautions for each, today's indicative rate (live index plus the program's published spread), and an estimate of the largest loan each program's published LTV/LTC, DSCR and debt-yield limits allow. Programs that do not fit are listed with the reason. Same rules as the site's /find-your-loan/ matcher.",
      "readOnly": true
    },
    {
      "name": "program_rules",
      "title": "Rules and limits of one commercial mortgage program",
      "description": "Everything published about one commercial mortgage program: eligible property types and loan purposes, minimum and maximum loan, maximum LTV and LTC, minimum DSCR and debt yield, term, amortization, rate type, recourse, prepayment, timeline, today's indicative rate, who it fits and who should look elsewhere, and the programs to compare it with. Every figure carries its as-of date and primary source (Fannie Mae, Freddie Mac, HUD, SBA, eCFR, SEC filings and others). Limits that are not published say so.",
      "readOnly": true
    },
    {
      "name": "compare_programs",
      "title": "Compare commercial mortgage programs side by side",
      "description": "Two or three commercial mortgage programs side by side: today's indicative rate, loan size range, maximum LTV and LTC, minimum DSCR and debt yield, term, amortization, rate type, recourse, prepayment and timeline, each figure dated and sourced, plus the site's head-to-head comparison page when one exists.",
      "readOnly": true
    },
    {
      "name": "get_rates",
      "title": "Indicative rates for every commercial mortgage program",
      "description": "Today's indicative rate for every commercial mortgage program that has a published spread: the live index (Treasury, SOFR or prime, with its date) plus the program's spread range from a named, dated source, lowest first. Filter by property type, purpose or program family. Programs with no public spread are listed as such instead of guessed.",
      "readOnly": true
    },
    {
      "name": "prepayment_estimate",
      "title": "Estimate a commercial mortgage prepayment penalty",
      "description": "Estimate the prepayment premium on a commercial mortgage: Fannie Mae-style yield maintenance (Form 6104.01, annual discounting), Freddie Mac yield maintenance (monthly), CMBS yield maintenance, a defeasance cost estimate, a Fannie Mae declining (step-down) schedule, or an SBA 504 debenture premium. Treasury yields default to today's readings, interpolated to the time left. Same math as the site's prepayment calculator; schedules and minimums come from the verified loan-document facts.",
      "readOnly": true
    }
  ],
  "documentation": "https://commercial.mortgage/developers/",
  "websiteUrl": "https://commercial.mortgage/developers/",
  "publisher": {
    "name": "Commercial.Mortgage (Janover Capital LLC)",
    "url": "https://commercial.mortgage/",
    "contact": "hello@commercial.mortgage"
  },
  "privacyPolicy": "https://commercial.mortgage/privacy/",
  "termsOfService": "https://commercial.mortgage/terms/",
  "license": "Treasury and Federal Reserve data are public domain; the compilation is CC BY 4.0 (credit \"Data: Commercial.Mortgage (commercial.mortgage)\" with a link); New York Fed terms apply to SOFR",
  "icon": "https://commercial.mortgage/icon-512.png"
}