Stackup: Fannie, Freddie and HUD multifamily loan sizing

online.multifamily/multifamily-onlinemultifamily.onlinestreamable-httpv1.2026.1101.0Scanned 2 hours ago

Size an apartment loan under Fannie Mae, Freddie Mac and HUD published limits, side by side.

3 tools: 1 change things and 2 only read.

Reads private data · 1
Reads text others write · 1
Can send data out · 0
1 finding

Tools listed without sign-in. Remote posture

Anlyon alternative

1 of these tools change something. Run those as governed actions.

Declare what an action changes, and Anlyon puts it under a shared limit, binds every approval to the exact request, and grades the outcome. It works on any HTTPS API you can describe as an action.

Anlyon does not run, proxy or govern this MCP server. A tool your own code calls directly is not routed through Anlyon and is not governed by it.

Import an OpenAPI spec →

Tools

Grouped by what each tool does, most consequential first. Open one for its reasons and full description; descriptions are the publisher's own words.

3 tools

Changes things 1Creates or changes something that can be changed back.Claude Code: ask

compare_programsRuns the multifamily.online comparison app on one 5+ unit building: for Fannie Mae DUS and Small Loans, Freddie Mac Optigo Conventional and Conventional Small, and HUD 223(f), 221(…1 finding
Why it is in this group
- The name "compare_programs" says "compare": a word for reading.
- The description's first verb is "run": a word for a change.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Warn
  The server marks "compare_programs" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
  Matched text
  annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "compare_programs" says "compare": a word for reading.
  What this check looks for
Description, as the server wrote it
Runs the multifamily.online comparison app on one 5+ unit building: for Fannie Mae DUS and Small Loans, Freddie Mac Optigo Conventional and Conventional Small, and HUD 223(f), 221(d)(4) and 223(a)(7), returns whether it fits the published limits (or why not), max loan by LTV/LTC and by DSCR, the binding limit, estimated monthly payment incl. HUD MIP, term, and warnings, ranked by max loan. SBA, bank, CMBS, bridge and DSCR loans are listed as ineligible or unpublished.
Annotations the server declares
- title: Size one apartment building under Fannie Mae, Freddie Mac and HUD loans
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false

Only reads 2Looks things up and changes nothing.Show 2 read-only tools

get_program_termsPublished limits for one multifamily loan program or all of them, as multifamily.online lists them: max LTV or LTC, minimum DSCR, term and amortization, prepayment, recourse, struc…Reads private dataReads text others writeNo findings
Why it is in this group
- The name "get_program_terms" says "get": a word for reading.
What it can reach
- private-dataThe description's first sentence says "document": it reads documents.
- untrusted-inputThe description's first sentence says "url": it reads web pages, which anyone can write.
Description, as the server wrote it
Published limits for one multifamily loan program or all of them, as multifamily.online lists them: max LTV or LTC, minimum DSCR, term and amortization, prepayment, recourse, structure, HUD mortgage insurance where it applies, and the agency source document with its date and URL. Covers Fannie Mae DUS and Small Loans, Freddie Mac Optigo Conventional and Conventional Small, HUD 223(f), 221(d)(4), 223(a)(7), SBA, bank, CMBS, bridge and DSCR loans.
Annotations the server declares
- title: Published terms for a multifamily loan program
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
get_treasury_yieldsThe latest 5-, 7- and 10-year U.S.No findings
Why it is in this group
- The name "get_treasury_yields" says "get": a word for reading.
Description, as the server wrote it
The latest 5-, 7- and 10-year U.S. Treasury par yields and overnight SOFR that the multifamily.online app builds its example rate on, each with its as-of date, the reading a week and a month earlier when available, freshness status and the publisher link (U.S. Treasury, New York Fed).
Annotations the server declares
- title: Treasury yields and SOFR behind agency multifamily rates
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false

This is not a safety rating, and no finding is not a safety guarantee. The groups and findings come from fixed checks of the tool definitions the server returned on the date shown, not from its code or what it does when called. How the checks work.

Exfil surface

Which tools read private data, which read text someone else can write, and which can send data out. One of each is a path a prompt injection can use.

No private-data, untrusted-input, outbound path in this server alone: no tool is tagged outbound.

Reads private data1: Reads files, mail, messages, databases, secrets, calendars or repositories.; get_program_terms
Reads text others write1: Brings in text someone else can write: web pages, inbound email, messages, issues and comments.; get_program_terms
Can send data out0: Can carry data to people or systems: it sends, posts or publishes, or takes a recipient, channel or URL.

Other servers in the same agent add their own tools to these paths. Audit your whole setup to see them together.

Remote posture

What anyone on the internet sees at the remote endpoint: an anonymous initialize and tools/list, and the public OAuth metadata.

Tools listed without sign-in

Looked at Nov 2, 2026, 00:20 UTC, unchanged since Nov 2, 2026. No credentials were sent and no tool was called. What is looked at.

Reachable: yes
HTTP status of an anonymous initialize: 200
tools/list served without credentials: yes
Tools that change things, listed without credentials: 1
Protocol version: 2025-06-18
WWW-Authenticate on 401: not observed
resource_metadata in WWW-Authenticate: not observed
RFC 9728 protected resource metadata: not observed
Authorization servers: not observed
Legacy HTTP+SSE transport: no
Dynamic client registration: not observed
Client ID metadata documents: not observed

WarnThe whole server
The endpoint served tools/list without credentials, and the list has 1 tool that changes things (1 write). Whether a call also works without credentials was not tested: tools are never called.
Matched text
https://multifamily.online/mcp: tools/list returned 3 tools to an anonymous client, including compare_programs (write)
What this check looks for

Findings

Matches of fixed checks, with the text they matched.

1 warn

Warncompare_programs
The server marks "compare_programs" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
Matched text
annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "compare_programs" says "compare": a word for reading.
What this check looks for

History

Changes to its tool definitions and to its remote endpoint, newest first.

No change seen yet. Its tools are rescanned every day, and a remote endpoint is looked at once a week.

All changes to this server

Install

Pinned to version 1.2026.1101.0. Values in angle brackets are yours to fill in.

claude mcp add --transport http multifamily-online https://multifamily.online/mcp

claude mcp add --transport http multifamily-online https://multifamily.online/mcp

Run in a terminal.

Claude Code permissions

Allow the reads, ask before a change or a way out, deny the deletes. Paste into .claude/settings.json.

.claude/settings.json

{
  "permissions": {
    "allow": [
      "mcp__multifamily-online__get_program_terms",
      "mcp__multifamily-online__get_treasury_yields"
    ],
    "ask": [
      "mcp__multifamily-online__compare_programs"
    ],
    "deny": []
  }
}

Tools that only read are allowed, tools that change things ask first, tools that delete or cancel are denied. A read that can send data out (it takes a URL, say) asks first too. It assumes the server is installed as multifamily-online. Review it before you use it.

Capability tags behind 1 rule

mcp__multifamily-online__get_program_terms private-data, untrusted-input

Keep the decision: fail CI when the tools change, follow every change, or show a badge.

Pin in CI

Fail a build when the tools you reviewed are not the tools the server serves today.

curl -s "https://anlyon.dev/api/v1/servers/online.multifamily/multifamily-online/verify?hash=e4fcc99c150db03f899a3923c10b04c41bc50103afff36e99492b2a839e81b7f" | jq -e '.changed == false'

Pinned hash e4fcc99c150d, from Nov 1, 2026, 23:18 UTC.

Watch

Get told when its tools change: a new tool, a new description, a new class.

https://anlyon.dev/servers/online.multifamily/multifamily-online/changes.xml

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Badge

[![anlyon.dev](https://anlyon.dev/badge/online.multifamily/multifamily-online.svg)](https://anlyon.dev/servers/online.multifamily/multifamily-online)

Source: MCP Registry. Synced Nov 1, 2026, 23:18 UTC.