← The evidence ledger
Evidence row 1241334
Observed , by probe.mcp/1.
- Kind
- mcp.tools
- About
- endpoint 10603398-c715-4df2-91c2-54c2ab3c50d2
- Recorded
- Previous row
- None: the first of its kind about this subject
- Body SHA-256
- 8a63d9553eb0a9038491025cfdc41410a46f258ae7af8636635728b1a2bf239b
- Leaf
- 0x0b6e6cdc247b6827df60ac2ee69312cbfd2077d7340a048a9c2d282f497e2d81
What was observed
{
"count": 5,
"tools": [
{
"description": "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.",
"inputSchema": {
"$schema": "http://json-schema.org/draft-07/schema#",
"properties": {
"annual_rate_pct": {
"description": "Annual note rate in percent, e.g. 7.25. Up to 3 decimals.",
"maximum": 30,
"minimum": 0,
"type": "number"
},
"balance_after_years": {
"description": "Years after which to report the balance. Default [1, 5, 10].",
"items": {
"maximum": 40,
"minimum": 1,
"type": "integer"
},
"maxItems": 10,
"type": "array"
},
"interest_only_years": {
"description": "Interest-only years at the start, e.g. 10. Default 0. Must be less than term_years.",
"maximum": 39,
"minimum": 0,
"type": "integer"
},
"loan_amount": {
"description": "Loan amount in USD.",
"exclusiveMinimum": 0,
"type": "number"
},
"term_years": {
"description": "Amortization term in years. Default 30.",
"maximum": 40,
"minimum": 1,
"type": "integer"
}
},
"required": [
"loan_amount",
"annual_rate_pct"
],
"type": "object"
},
"name": "amortization_summary"
},
{
"description": "Debt service coverage ratio for a DSCR (investor) mortgage: qualifying rent / PITIA. Computes exact principal and interest with the annuity formula (monthly compounding, half-up cents) or the interest-only payment, adds tax, insurance, HOA and other housing costs per the Fannie Mae PITIA definition, and places the result in the common lender bands (1.25+, 1.00-1.24, 0.75-0.99, under 0.75) with sourced notes that minimums vary by lender. Returns JSON plus a plain summary and a dscrradar.com link.",
"inputSchema": {
"$schema": "http://json-schema.org/draft-07/schema#",
"properties": {
"annual_insurance": {
"description": "Annual hazard insurance premium in USD. Default 0, but lenders always include it.",
"minimum": 0,
"type": "number"
},
"annual_property_tax": {
"description": "Annual property tax in USD. Default 0, but lenders always include it.",
"minimum": 0,
"type": "number"
},
"annual_rate_pct": {
"description": "Annual note rate in percent, e.g. 7.25. Up to 3 decimals.",
"maximum": 30,
"minimum": 0,
"type": "number"
},
"down_payment_pct": {
"description": "Down payment in percent of price, e.g. 25.",
"maximum": 99,
"minimum": 0,
"type": "number"
},
"interest_only": {
"description": "Qualify on the interest-only payment (loan x rate / 12). Default false.",
"type": "boolean"
},
"loan_amount": {
"description": "Loan amount in USD. Give this, or purchase_price plus down_payment_pct.",
"exclusiveMinimum": 0,
"type": "number"
},
"monthly_hoa": {
"description": "Monthly HOA or association dues in USD. Default 0.",
"minimum": 0,
"type": "number"
},
"monthly_other_housing": {
"description": "Other monthly housing costs in PITIA, such as flood insurance, ground rent or special assessments. Default 0.",
"minimum": 0,
"type": "number"
},
"monthly_rent": {
"description": "Gross monthly market rent in USD (lease or appraiser rent schedule).",
"exclusiveMinimum": 0,
"type": "number"
},
"purchase_price": {
"description": "Purchase price in USD. Used with down_payment_pct when loan_amount is not given.",
"exclusiveMinimum": 0,
"type": "number"
},
"term_years": {
"description": "Amortization term in years. Default 30.",
"maximum": 40,
"minimum": 1,
"type": "integer"
},
"vacancy_pct": {
"description": "Vacancy allowance in percent of gross rent. Default 0. Many lenders use gross rent with no vacancy.",
"maximum": 50,
"minimum": 0,
"type": "number"
}
},
"required": [
"monthly_rent",
"annual_rate_pct"
],
"type": "object"
},
"name": "calculate_dscr"
},
{
"description": "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.",
"inputSchema": {
"$schema": "http://json-schema.org/draft-07/schema#",
"properties": {
"annual_insurance": {
"description": "Annual hazard insurance premium in USD. Default 0, but lenders always include it.",
"minimum": 0,
"type": "number"
},
"annual_property_tax": {
"description": "Annual property tax in USD. Default 0, but lenders always include it.",
"minimum": 0,
"type": "number"
},
"monthly_hoa": {
"description": "Monthly HOA or association dues in USD. Default 0.",
"minimum": 0,
"type": "number"
},
"monthly_other_housing": {
"description": "Other monthly housing costs in PITIA, such as flood insurance, ground rent or special assessments. Default 0.",
"minimum": 0,
"type": "number"
},
"monthly_rent": {
"description": "Gross monthly market rent in USD.",
"exclusiveMinimum": 0,
"type": "number"
},
"purchase_price": {
"description": "Purchase price in USD.",
"exclusiveMinimum": 0,
"type": "number"
},
"scenarios": {
"description": "1 to 5 scenarios.",
"items": {
"properties": {
"annual_rate_pct": {
"description": "Annual note rate in percent, e.g. 7.25. Up to 3 decimals.",
"maximum": 30,
"minimum": 0,
"type": "number"
},
"down_payment_pct": {
"description": "Down payment in percent of price.",
"maximum": 99,
"minimum": 0,
"type": "number"
},
"interest_only": {
"description": "Qualify on the interest-only payment (loan x rate / 12). Default false.",
"type": "boolean"
},
"label": {
"description": "Short name, e.g. \"25% down 30-yr\".",
"maxLength": 60,
"type": "string"
},
"term_years": {
"description": "Amortization term in years. Default 30.",
"maximum": 40,
"minimum": 1,
"type": "integer"
}
},
"required": [
"annual_rate_pct",
"down_payment_pct"
],
"type": "object"
},
"maxItems": 5,
"minItems": 1,
"type": "array"
},
"vacancy_pct": {
"description": "Vacancy allowance in percent of gross rent. Default 0. Many lenders use gross rent with no vacancy.",
"maximum": 50,
"minimum": 0,
"type": "number"
}
},
"required": [
"purchase_price",
"monthly_rent",
"scenarios"
],
"type": "object"
},
"name": "compare_scenarios"
},
{
"description": "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.",
"inputSchema": {
"$schema": "http://json-schema.org/draft-07/schema#",
"properties": {
"annual_insurance": {
"description": "Annual hazard insurance premium in USD. Default 0, but lenders always include it.",
"minimum": 0,
"type": "number"
},
"annual_property_tax": {
"description": "Annual property tax in USD. Default 0, but lenders always include it.",
"minimum": 0,
"type": "number"
},
"annual_rate_pct": {
"description": "Annual note rate in percent, e.g. 7.25. Up to 3 decimals.",
"maximum": 30,
"minimum": 0,
"type": "number"
},
"interest_only": {
"description": "Qualify on the interest-only payment (loan x rate / 12). Default false.",
"type": "boolean"
},
"max_ltv_pct": {
"description": "Optional lender LTV cap in percent, e.g. 80. Needs purchase_price.",
"maximum": 100,
"minimum": 1,
"type": "number"
},
"monthly_hoa": {
"description": "Monthly HOA or association dues in USD. Default 0.",
"minimum": 0,
"type": "number"
},
"monthly_other_housing": {
"description": "Other monthly housing costs in PITIA, such as flood insurance, ground rent or special assessments. Default 0.",
"minimum": 0,
"type": "number"
},
"monthly_rent": {
"description": "Gross monthly market rent in USD.",
"exclusiveMinimum": 0,
"type": "number"
},
"purchase_price": {
"description": "Optional purchase price in USD, to report LTV and minimum down payment.",
"exclusiveMinimum": 0,
"type": "number"
},
"target_dscr": {
"description": "Target DSCR, e.g. 1.25 or 1.0. Default 1.25.",
"maximum": 3,
"minimum": 0.5,
"type": "number"
},
"term_years": {
"description": "Amortization term in years. Default 30.",
"maximum": 40,
"minimum": 1,
"type": "integer"
},
"vacancy_pct": {
"description": "Vacancy allowance in percent of gross rent. Default 0. Many lenders use gross rent with no vacancy.",
"maximum": 50,
"minimum": 0,
"type": "number"
}
},
"required": [
"monthly_rent",
"annual_rate_pct"
],
"type": "object"
},
"name": "max_loan_for_target_dscr"
},
{
"description": "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.",
"inputSchema": {
"$schema": "http://json-schema.org/draft-07/schema#",
"properties": {
"annual_insurance": {
"description": "Annual hazard insurance premium in USD. Default 0, but lenders always include it.",
"minimum": 0,
"type": "number"
},
"annual_property_tax": {
"description": "Annual property tax in USD. Default 0, but lenders always include it.",
"minimum": 0,
"type": "number"
},
"annual_rate_pct": {
"description": "Annual note rate in percent, e.g. 7.25. Up to 3 decimals.",
"maximum": 30,
"minimum": 0,
"type": "number"
},
"down_payment_pct": {
"description": "Down payment in percent of price, e.g. 25.",
"maximum": 99,
"minimum": 0,
"type": "number"
},
"interest_only": {
"description": "Qualify on the interest-only payment (loan x rate / 12). Default false.",
"type": "boolean"
},
"loan_amount": {
"description": "Loan amount in USD. Give this, or purchase_price plus down_payment_pct.",
"exclusiveMinimum": 0,
"type": "number"
},
"monthly_hoa": {
"description": "Monthly HOA or association dues in USD. Default 0.",
"minimum": 0,
"type": "number"
},
"monthly_other_housing": {
"description": "Other monthly housing costs in PITIA, such as flood insurance, ground rent or special assessments. Default 0.",
"minimum": 0,
"type": "number"
},
"purchase_price": {
"description": "Purchase price in USD. Used with down_payment_pct when loan_amount is not given.",
"exclusiveMinimum": 0,
"type": "number"
},
"target_dscr": {
"description": "Target DSCR, e.g. 1.25 or 1.0. Default 1.25.",
"maximum": 3,
"minimum": 0.5,
"type": "number"
},
"term_years": {
"description": "Amortization term in years. Default 30.",
"maximum": 40,
"minimum": 1,
"type": "integer"
},
"vacancy_pct": {
"description": "Vacancy allowance in percent of gross rent. Default 0. Many lenders use gross rent with no vacancy.",
"maximum": 50,
"minimum": 0,
"type": "number"
}
},
"required": [
"annual_rate_pct"
],
"type": "object"
},
"name": "rent_needed_for_target_dscr"
}
]
}What the leaf hashes
{"body":"8a63d9553eb0a9038491025cfdc41410a46f258ae7af8636635728b1a2bf239b","id":1241334,"kind":"mcp.tools","method":"probe.mcp/1","observed_us":1793356350881662,"prev":null,"subject":"10603398-c715-4df2-91c2-54c2ab3c50d2","subject_kind":"endpoint"}Proof
Fold these into the leaf in order, hashing each sorted pair with keccak256, to reach the root of (243099 rows).
- 0x0b6e8bd78a88122a15004a916a68ad1693ddf7d34ec69a6ccfd4b9a25a6a7f83
- 0x9f728115244b42b739ea649d7b3003d01e0de6bc93e11e3a412eeedfdc0a885e
- 0xe11f64636cfe272b449ddec4add1dce7bf8aa9775ff772d96222d597dee184cd
- 0x03caaeb06599ed4a585c935711fad8611ff981b120156ab1718a0085838fbfad
- 0x70f306df93404c704b988dd0807b01e92ee3d46d62dfa818a6e84477da491dd1
- 0x0d93d2c96de96cb3e7753e20ff866ce81972a283a2ee85865ca18b45e5e3a4fc
- 0x42b4de4149ec07868ae2f299ba7e36b8d49534423b3026b2b7fe57a1f74310b5
- 0x5d4a773ebb9c003fc73a62583c1b4b86fabf0874d08c157181f2bc15e9607d14
- 0x9c86373bdb185cfb25dc1227058dfcfc67d02009649333e7f43cb608ab2651d8
- 0xe5e6e863c6079480022cb9f2e564d9701989dfbc752e9c92201cba7f89b36e58
- 0x96abdfb91662bd295a6a4264ca480cdb685b979d64ec0f2a58847aef1a7f2a09
- 0x1f2184b945f9592992fad320892719c98f8361a3144b92d89525abd90034c0c2
- 0x07a3338ff82774d53d7b3eb537fe113270a3edf37254cd960efb7d6d3a7745cd
- 0xdf5b016e08f93664d06694a7722324dcb27caedd549f286f07d4b4798e0c706e
- 0x2b7a05865245feaf40ea40b73e02d86357af2dcbac9c7b992f1420f5eaa15246
- 0xe2a9872e1b6a01c55a7a8cc5c05c61f3933255db5c26b9c79be4011d28685b52
- 0xb0c9ef42e725578748f3119c9dbebf2fc437266bda013df29f98ed3ebe621403
- 0x30a81d8fcef4e8f9e2877c62796cfc5612fc1b251127d531dee28f8dbd5c5147
- Day root
- 0x0826c7ad6039e06a2360ca0a4a3a4fe7f2626c6dc19f71a37599386f78b39875
- Chained
- 0x36b4c8a1063758f0b8765fa1bdf75fa92fb543cc183add3e261880ee2bd1f822
- Published
- On Arc Testnet, block 69923247: 0x8704744146c6967c8abc9e9a99de4db7283b29e840922ea83a69b6fe776e6861