{
  "name": "usda538-loans",
  "title": "Open Country: USDA Section 538 and 515 data",
  "description": "Free, read-only MCP server for USDA Rural Development multifamily housing data: FY2026 Section 538 income limits (115% of AMI, effective July 13, 2026) with rent caps, every Section 538 guaranteed loan and lender in USDA's public file, active Section 515/514 rural rental properties by county (USDA files as of October 19, 2026) and a 538 loan sizer. Every result cites USDA and a usda538.loans page. No authentication.",
  "registryDescription": "USDA Section 538 income limits, 538 loans and lenders, 515 rural rentals, 538 loan sizer.",
  "version": "1.0.0",
  "url": "https://usda538.loans/mcp",
  "transport": {
    "type": "streamable-http",
    "url": "https://usda538.loans/mcp"
  },
  "remotes": [
    {
      "type": "streamable-http",
      "url": "https://usda538.loans/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": "get_538_income_limits",
      "title": "Section 538 income limits and rent caps",
      "description": "FY2026 USDA Section 538 income limits (115% of area median income, 1 to 8 persons, effective July 13, 2026) for a county or USDA area in one state, with the per-unit rent cap (30% of the limit / 12) and the approximate project-average cap. Without county or area, lists every area in the state, paged.",
      "readOnly": true
    },
    {
      "name": "list_538_loans",
      "title": "Section 538 loans in a state",
      "description": "USDA's public Section 538 guaranteed loans in one state (file as of October 19, 2026): count, total amount, apartments, tax credit deals, median loan-to-cost and lenders, then loan rows (project, city, lender, closing date, amount, loan-to-cost, units, rents) newest first, paged and filterable by lender or fiscal year.",
      "readOnly": true
    },
    {
      "name": "get_538_lender_table",
      "title": "Section 538 lenders nationwide",
      "description": "National Section 538 lender table from USDA's public file (as of October 19, 2026): each lender's loan count, total loan amount and latest fiscal year, ranked by loan count, plus the total portfolio and how many loans each state has. Paged.",
      "readOnly": true
    },
    {
      "name": "find_usda_rural_rentals",
      "title": "USDA Section 515 and 514 rentals in a county",
      "description": "Active USDA Section 515 rural rental and 514 farm labor housing properties in one county from USDA's file (as of October 19, 2026): name, address, housing type, bedroom mix, units, rental assistance units, recorded vacancies, accessible units, opening year, restriction end date and management company. Optional town filter; paged.",
      "readOnly": true
    },
    {
      "name": "size_538_loan",
      "title": "Size a Section 538 guaranteed loan",
      "description": "Sizes a USDA Section 538 loan the way the site's loan sizer does: the 90% (for-profit) or 97% (nonprofit or public) cap on the lower of cost or value against the DSCR cap (1.15x default), with NOI, debt service, loan-to-cost and the 2026 guarantee fees. Arithmetic on your inputs, not a quote.",
      "readOnly": true
    }
  ],
  "documentation": "https://usda538.loans/developers/",
  "websiteUrl": "https://usda538.loans/developers/",
  "publisher": {
    "name": "Open Country (Janover Capital LLC)",
    "url": "https://usda538.loans/",
    "contact": "desk@janover.co"
  },
  "privacyPolicy": "https://usda538.loans/privacy/",
  "termsOfService": "https://usda538.loans/terms/",
  "license": "USDA and Census data are public domain; the compilation is CC BY 4.0 (credit \"Data: Open Country (usda538.loans)\" with a link)",
  "icon": "https://usda538.loans/icon-512.png"
}