Relendi — Commercial Real Estate Loan Tools

Measured conclusion: Deep-tested. L2 outcome: tools_ok.

Free CRE loan sizing, DSCR stress tests, payments, closing costs and cited lending knowledge.

Add to your agent

Copy this into your MCP client config:

{
  "mcpServers": {
    "Relendi — Commercial Real Estate Loan Tools": {
      "url": "https://relendi.com/api/mcp/public",
      "transport": "streamable-http"
    }
  }
}

Measured tools (11)

• size_loan read-only

  Size a commercial real estate loan from first principles. Returns the maximum supportable loan as the MINIMUM of four constraints — loan-to-value, debt-service-coverage, debt yield and loan-to-cost — plus which one binds. Deterministic math on the numbers you supply; it does not quote lender terms.

  Parameters:

  • netOperatingIncome (required) — number — Annual NOI in dollars
  • estimatedValue (required) — number — Property value in dollars
  • totalCost — number — Total project cost, for the LTC test
  • thresholds — object

  Hints: read-only yes · destructive no · idempotent not declared · open-world no

• run_scenario read-only

  Run what-if loan sizing across a range of assumptions: a rate ladder, an NOI sensitivity table, or the feasibility of a target loan amount against each constraint. Deterministic — same math as size_loan, swept.

  Parameters:

  • netOperatingIncome (required) — number
  • estimatedValue (required) — number
  • mode (required) — string
  • rates — array
  • totalCost — number
  • thresholds — object
  • noiDeltaPcts — array
  • desiredLoanAmount — number

  Hints: read-only yes · destructive no · idempotent not declared · open-world no

• calculate_metrics read-only

  Compute the standard commercial real estate underwriting metrics from raw figures: NOI, cap rate, DSCR, debt yield, LTV, LTC, operating expense ratio, break-even occupancy and yield on cost. Supply whatever you have — each metric is returned only when its inputs are present, with the formula used. Use this instead of computing CRE ratios yourself.

  Parameters:

  • rate — number — DECIMAL (0.0725 = 7.25%), used to derive debt service
  • loanAmount — number
  • annualRevenue — number — Gross/effective annual revenue
  • propertyValue — number
  • purchasePrice — number
  • annualExpenses — number — Annual operating expenses (excl. debt service)
  • totalProjectCost — number — For LTC and yield-on-cost
  • amortizationYears — integer
  • annualDebtService — number — Annual, not monthly
  • netOperatingIncome — number — Supply directly, or let it derive from revenue - expenses

  Hints: read-only yes · destructive no · idempotent not declared · open-world no

• calculate_payment read-only

  Amortizing and interest-only payment math for a commercial loan: monthly and annual debt service, total interest over the term, and the balloon balance at maturity when the term is shorter than the amortization (the normal CRE case — a 10-year term on a 30-year schedule).

  Parameters:

  • loanAmount (required) — number
  • rate (required) — number — DECIMAL (0.0725 = 7.25%)
  • termYears — number — Balloon at this point
  • interestOnly — boolean
  • amortizationYears — integer

  Hints: read-only yes · destructive no · idempotent not declared · open-world no

• stress_test read-only

  Stress a loan against rate shocks, income decline, and combined scenarios. Returns stressed DSCR per scenario with a pass/marginal/fail verdict — the same tests a credit committee runs. Rates are PERCENT (7.25 = 7.25%).

  Parameters:

  • netOperatingIncome (required) — number
  • loanAmount (required) — number
  • propertyValue (required) — number
  • rate (required) — number — Current annual rate, percent (7.25 = 7.25%)
  • amortizationYears (required) — number — Amortization in years; 0 = interest-only
  • minDscr — number

  Hints: read-only yes · destructive no · idempotent not declared · open-world no

• estimate_closing_costs read-only

  Itemize commercial closing costs for a New York or Florida transaction — lender, title, government (mortgage recording tax, transfer taxes) prepaid and third-party lines. Returns every line item plus totals. For New York you MUST say whether the property is in New York City: the city's recording and transfer taxes are several times the upstate rates and one of them does not exist outside the five boroughs.

  Parameters:

  • loanAmount (required) — number
  • propertyValue (required) — number
  • state (required) — string
  • isRefinance (required) — boolean
  • isNYC — boolean — REQUIRED when state is NY. True = five boroughs (NYC recording tax + Real Property Transfer Tax). False = anywhere else in New York State.
  • cemaEnabled — boolean — NY refinance only. CEMA assigns rather than discharges the existing mortgage so recording tax applies to new money only. Defaults to FALSE because it requires the existing lender's cooperation, which is not guaranteed — assuming it understates costs.
  • interestRate — number
  • annualInsurance — number
  • brokerFeePercent — number
  • annualPropertyTax — number
  • originationFeePercent — number
  • existingMortgageBalance — number

  Hints: read-only yes · destructive no · idempotent not declared · open-world no

• analyze_cash_out_refinance read-only

  Full cash-out refinance waterfall: the largest new loan the property supports across LTV, DSCR and debt-yield, then down through payoff, prepayment penalty and closing costs to net cash in hand. Includes NY CEMA savings when applicable. prepaymentPenaltyPercent is REQUIRED — omitting a penalty overstates the borrower's proceeds by its entire amount, so state 0 explicitly when there is none.

  Parameters:

  • noi (required) — number
  • propertyValue (required) — number
  • existingLoanBalance (required) — number
  • state (required) — string
  • rate (required) — number — New loan rate, percent (6.85 = 6.85%)
  • amortizationYears (required) — number
  • prepaymentPenaltyPercent (required) — number — Percent of payoff balance. Required — state 0 if none.
  • maxLtv — number
  • minDscr — number
  • cemaEnabled — boolean
  • minDebtYield — number

  Hints: read-only yes · destructive no · idempotent not declared · open-world no

• compare_loan_offers read-only

  Rank competing loan offers by true cost of capital, not headline rate. Accounts for origination, exit and other fees over the actual term, and returns an effective rate, total cost and fee burden in basis points for each — so a 'cheaper' rate with heavy fees sorts correctly.

  Parameters:

  • offers (required) — array

  Hints: read-only yes · destructive no · idempotent not declared · open-world no

• search_cre_knowledge read-only

  Search Relendi's curated commercial-real-estate knowledge base — lending concepts, deal lifecycle, typical fees and timelines. Returns source-cited excerpts. Use it to ground CRE answers rather than relying on memory.

  Parameters:

  • query (required) — string
  • topK — integer

  Hints: read-only yes · destructive no · idempotent not declared · open-world no

• ask_cre_question read-only

  Ask a plain-English question about commercial real estate lending and get a short answer grounded in Relendi's knowledge base, with citations. For loan math prefer size_loan or run_scenario, which are exact.

  Parameters:

  • question (required) — string

  Hints: read-only yes · destructive no · idempotent not declared · open-world no

• prepare_deal read-only

  Prepare a Move this deal to Relendi link from the user's CRE scenario. Use when the user wants to keep a deal, continue in Relendi, or carry property details beyond a calculator. Include only facts the user supplied, not guessed values or calculated loan limits as a requested amount. This does not save or submit anything: the user follows the link, reviews the inputs and signs up or signs in to save a private draft. Do not include personal or account information.

  Parameters:

  • address — object
  • totalCost — number
  • assetClass — string
  • assumptions — object
  • interestOnly — boolean
  • annualRevenue — number
  • numberOfUnits — integer
  • purchasePrice — number
  • annualExpenses — number
  • estimatedValue — number
  • transactionType — string
  • amortizationYears — integer
  • netOperatingIncome — number
  • requestedLoanAmount — number
  • requestedInterestRate — number — PERCENT: 7.25 means 7.25%

  Hints: read-only yes · destructive no · idempotent not declared · open-world no

Publisher website

Measured by MCPYP probing. Untested fields are omitted, never estimated. Listing is always free; MCPYP never proxies calls or stores user tokens.