{
 "$schema": "https://static.modelcontextprotocol.io/schemas/mcp-server-card/v1.json",
 "name": "com.cashformynote/calculators",
 "title": "CashForMyNote note & rate calculators",
 "version": "1.0.0",
 "description": "Mortgage note and rate calculators: what a mortgage note or land contract is worth, balloon payments, amortization schedules, note yield, partial note sales, loan-to-value (LTV), debt-to-income (DTI), seasoning and the current 30-year mortgage rate. Estimates, not offers or appraisals. CashForMyNote.com does not buy notes or make offers.",
 "websiteUrl": "https://cashformynote.com/developers",
 "remotes": [
  {
   "type": "streamable-http",
   "url": "https://cashformynote.com/mcp"
  }
 ],
 "authentication": {
  "required": false
 },
 "tools": [
  {
   "name": "note_price",
   "title": "Mortgage note value calculator",
   "description": "A mortgage note's value is the present value of its remaining monthly payments (plus any balloon) at the yield a buyer requires, and this tool computes that price. It works the same for mortgage notes, land contracts (contracts for deed), owner-financed notes and other real estate notes. Optionally compares the price with the unpaid balance (discount and % of balance)."
  },
  {
   "name": "note_yield",
   "title": "Note yield calculator",
   "description": "A note's yield is the annual return that makes its remaining payments (and any balloon) worth exactly the price paid, and this tool solves for it. It assumes every payment is made on time."
  },
  {
   "name": "yield_ladder",
   "title": "Note value at several yields",
   "description": "A note's price falls as the yield a buyer requires rises, and this tool prices the same remaining payments at up to 12 yields side by side to show how much."
  },
  {
   "name": "partial_purchase",
   "title": "Partial note sale calculator",
   "description": "In a partial note sale the holder sells only the next N payments and the rest revert to the holder, and this tool prices those payments at a target yield. It also shows what the holder keeps and the balance when payments revert."
  },
  {
   "name": "balloon_note",
   "title": "Balloon payment calculator",
   "description": "A balloon payment is the lump sum due when a loan's remaining balance comes due before its monthly payments would pay it off, and this tool computes the monthly payment, the balloon amount and (with a yield) the note's price. Use it for a balloon mortgage or note whose payment is set on a long amortization but whose balance is due early."
  },
  {
   "name": "loan_payment",
   "title": "Monthly payment calculator",
   "description": "A fixed-rate loan's monthly payment is the level amount that pays off the balance with interest over the number of months, and this tool computes it for a mortgage, land contract or other installment note. Optionally leaves a balloon."
  },
  {
   "name": "remaining_balance",
   "title": "Remaining loan balance calculator",
   "description": "The remaining balance is the principal still owed after a number of on-time payments, and this tool computes it from the balance, rate and payment."
  },
  {
   "name": "amortization_schedule",
   "title": "Amortization schedule calculator",
   "description": "An amortization schedule shows how each monthly payment splits into interest and principal and what balance is left, and this tool lists it month by month (up to 600 rows) with totals."
  },
  {
   "name": "note_discount",
   "title": "Note discount calculator",
   "description": "A note's discount is how far its price is below the unpaid balance, and this tool gives it in dollars, as a percent, and in cents per dollar of balance."
  },
  {
   "name": "loan_to_value",
   "title": "Loan-to-value (LTV) ratio calculator",
   "description": "The loan-to-value ratio is the loan balance divided by the property's value, shown as a percent, and this tool computes LTV, combined LTV (CLTV) with other liens, and the equity cushion behind a note."
  },
  {
   "name": "debt_to_income",
   "title": "Debt-to-income (DTI) ratio calculator",
   "description": "The debt-to-income ratio is total monthly debt payments divided by gross monthly income, shown as a percent, and this tool computes it for a borrower (plus the housing-only ratio, if given)."
  },
  {
   "name": "seasoning",
   "title": "Note seasoning calculator",
   "description": "A note's seasoning is how long the borrower has been paying, counted from the first payment due date, and this tool gives the months seasoned and the payments due so far. If given payments made, it shows how many were missed or paid ahead, which helps tell a performing note from a non-performing one."
  },
  {
   "name": "market_rates",
   "title": "Current 30-year mortgage rate and 10-year Treasury yield",
   "description": "The current 30-year fixed mortgage rate here is the latest weekly Freddie Mac PMMS average, returned with the latest daily 10-year Treasury yield, each as a single value with its own data date, source and citation. History is not included; use the source links."
  },
  {
   "name": "rate_vs_market",
   "title": "Note rate vs current mortgage rates",
   "description": "A note whose rate is below current mortgage rates usually sells at a deeper discount, and this tool gives the gap in percentage points between a note's rate and the latest weekly 30-year fixed mortgage average (Freddie Mac PMMS), with that week's date."
  },
  {
   "name": "effective_annual_rate",
   "title": "Effective annual rate calculator",
   "description": "The effective annual rate is what a nominal annual rate compounded monthly actually earns over a year, and this tool converts one into the other."
  }
 ]
}