DFX Real Estate Intelligence

DFX Real Estate Intelligence: MCP server

DFX answers dated questions about two things: United States commercial and federal-programme real estate debt, where loan maturities are published across 52 state codes and subsidy and compliance expiries across 54 and 56, and Massachusetts property, where 269,984 parcels carry ownership, assessed value and 80,448 recorded sale instruments. Call it when an agent needs to know who owns a specific building, what it last sold for, or which loans and subsidies come due in a given state and time window, with the source and the observation date attached to every claim.

Coverage is deliberately uneven and it is stated up front rather than discovered by trial. Debt, subsidy and compliance timing are national. Distress and foreclosure are multi-state and thin. Parcel, ownership and recorded sales are Massachusetts only. Building permits are Boston only. The measured per-type, per-state numbers are in Event coverage, measured below, and dfx_coverage returns the same grid at call time so an agent never has to guess from an empty result.

Endpoint: https://exchange-production-9123.up.railway.app/mcp Transport: Streamable HTTP Auth: none, for everything except one paid tool Registry: io.github.Capital-W-Holdings/us-property-parcel-real-estate-debt

Nine tools. Eight are free, unauthenticated and permanent: no key, no signup, no OAuth. One is priced at $1.00 per delivered result set and tells you so before it charges you anything.

Coverage is uneven on purpose and the gaps are printed below rather than buried. A tool that answers "no" clearly is worth more to an agent than one that answers an empty list, so this server refuses unknown arguments with the served vocabulary attached, and refuses to sell you a result set that would arrive empty.

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Read the schemas before you call anything

A plain GET on the endpoint returns the full tool list, the coverage numbers, the price and a worked example. No handshake, no session, no initialize.

curl -s https://exchange-production-9123.up.railway.app/mcp

Then call a tool over JSON-RPC:

curl -s https://exchange-production-9123.up.railway.app/mcp \
  -H 'Content-Type: application/json' \
  -d '{"jsonrpc":"2.0","id":1,"method":"tools/call","params":
       {"name":"resolve_address","arguments":
        {"address":"100 Binney St","city":"Cambridge","state":"MA"}}}'

That address returns a parcel carrying a $1,020,000,000 recorded sale, with the registry book and page it was recorded under.

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The nine tools

Tool	Takes	Returns	Price
what_can_dfx_answer	an objective, in natural language	whether DFX can help, which tool to call, the arguments, and a free sample	free
dfx_coverage	nothing	measured coverage, served sources, object types, known gaps	free
resolve_address	address, city?, state?	canonical DFX ids with the match basis and any ambiguity	free
resolve_organization	name	entity ids for owners, managers, lenders, servicers	free
get_property_record	a DFX id	state, dated events, relationships, debt with maturity dates, recorded sales, provenance	free
search_parcels	filters	parcels by attribute rather than by an address you already knew	free
search_property_events	event_type?, state?, within_days?	dated events with provenance	free
changes_since	an opaque cursor	what DFX has learned since your cursor	free
debt_maturity_schedule	state, within_days?, limit?	the loan tape: principal, lender, instrument, maturity, secured property	$1.00

Start with what_can_dfx_answer if you do not know what to ask for. It says no clearly when the answer is no, and it records the ask, so questions DFX cannot answer shape what gets built next.

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What is actually in here

Two populations that barely overlap, and conflating them is the most common way to misread this server.

Object	Geography	What it is
property	National	Federal-programme multifamily: HUD, LIHTC and FHA. 90,278 resolvable.
parcel	Massachusetts only	The municipal assessor and registry layer, with assessed value, land use and recorded sales. 269,984 resolvable.
organization	National	Owners, managers, lenders and servicers.

An address may return one, the other, or both.

Recorded sales are Massachusetts only: 80,448 instruments over 89,191 parcel links. A deed repeats its full consideration on every parcel it covers, so allocated_consideration is carried separately from consideration, and allocation_basis tells you when a split is ours rather than the registry's.

Event coverage, measured

62,524 publishable events across 16 types and 13 sources.

Event type	States	Published
PROPERTY_SOLD	1	30,055
COMPLIANCE_PERIOD_ENDING	56	13,549
SUBSIDY_CONTRACT_EXPIRING	54	4,721
PERMIT_ISSUED	1	4,203
LOAN_MATURITY_SCHEDULED	52	3,717
CERTIFICATE_OF_OCCUPANCY	1	2,768
LEASE_EXPIRING	49	1,432
DEMOLITION_FILED	1	881
USE_CONVERSION_PERMITTED	1	849
DISTRESS_FLAG_RAISED	26	188
FORECLOSURE_EVENT	22	142
LOAN_MODIFIED	5	12
BANKRUPTCY_EVENT	4	4
COMPANY_CONTRACTED	1	1
LEASE_TERM_REVISED	1	1
PERMIT_STATUS_CHANGED	0	1

PROPERTY_SOLD, PERMIT_ISSUED, CERTIFICATE_OF_OCCUPANCY, DEMOLITION_FILED and USE_CONVERSION_PERMITTED are Massachusetts. COMPLIANCE_PERIOD_ENDING, SUBSIDY_CONTRACT_EXPIRING and LOAN_MATURITY_SCHEDULED are national.

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The one paid tool: debt_maturity_schedule, $1.00

Everything above is free and stays free. This one is priced, and the price is printed in the tool description, in the tool _meta, and in the quote. You are never asked to negotiate, there is no sales call, and there is no field through which a caller can propose a price: the amount is read off the quote, server side.

What you get. For one US state and one forward window, up to 200 loans, one row per loan, ordered by maturity date:

• maturity_date and maturity_basis
• original_principal_usd, origination_date, term_months
• instrument_type
• the lender's canonical name and DFX id where resolved
• the secured property: DFX id, street address, city, state, postal code, unit count, property type
• the source_key for that row

Why it might be worth a dollar. 19,881 loans carry a maturity date and 19,881 of 19,881 carry maturity_basis = 'confirmed'. Not one is estimated, inferred from a term length, or carried forward from a stale reading. Every date was filed with the SEC by a loan servicer or recorded by HUD, and then resolved to a specific building.

The free search_property_events tool returns the event: a date, a headline, an address. The paid one returns the loan: the principal, the lender, the instrument, deduplicated to one row per loan, up to 200 rows instead of 50, with the population stated so you can tell a complete answer from a truncated one.

How many rows your dollar actually buys. Of the 19,881 loans, 1,614 mature inside the default eighteen-month window, and they are not evenly spread. Measured 2026-09-01:

State	Loans maturing in the next 548 days
CA	329
NY	193
TX	117
FL	97
OH	61
GA	58
IL	56
NJ	53
PA	52
MI	50
NV	43
IN	40
VA	38
NC	34
WA	31
CO	26
AZ	24
LA	24
AL	20
MD	20
SC	20
Twenty-eight further states hold between 1 and 19 loans in that window. Montana and
Wyoming hold one each. Widen within_days to reach further out; the price does not
move with the row count or the window.

Ask for a state and window you are unsure about with the free search_property_events first: it returns the maturity events for the same filter at no cost, so you can see whether the market is there before you spend anything.

What it does not cover, stated plainly. Private-label CMBS and FHA-insured multifamily only. Bank balance-sheet lending, agency multifamily and county-registry-only loans are absent. A conventionally financed building can carry debt this schedule will never show. A property absent from a maturity search is not a property without debt. A loan secured by several buildings has no single property anchor and is therefore not reachable by a state filter; those are reached through the free get_property_record.

How payment works

Two round trips, on purpose.

1. call debt_maturity_schedule WITHOUT `authorize`
   -> PAYMENT_REQUIRED. The price, the quote id, what arrives, how many rows
      your filter holds, the known limits, and the free alternative.
      Nothing is charged for a quote.

2. call it again WITH `authorize: {quote_id, max_price_usd}` and your account
   key in the X-DFX-Account header
   -> charged once, and served in the same response, with a receipt.

max_price_usd is your ceiling and it is checked before ours. If the price ever moved above it you are refused rather than charged. It can lower what you pay and can never raise it.

A quote settles exactly once: replaying an authorized call returns ALREADY_SETTLED rather than charging twice. If delivery fails after the debit, the settlement is reversed in full in the same request and your balance is restored. You are never charged for a result you did not receive.

The account is a funded balance, not a card in the request path. A person funds it once; your agent then spends inside it with per-call, daily and account ceilings and no further human step. An agent holding a payment instrument can create an obligation; an agent holding a balance cannot.

Current status, stated honestly: self-serve funding is not open yet. If you want an account, open an issue on this repository or write to jesse@uemembers.com. Every free tool works right now with no account and no key.

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Connect it

Any MCP client that speaks Streamable HTTP. No credentials.

{
  "mcpServers": {
    "dfx-real-estate": {
      "type": "http",
      "url": "https://exchange-production-9123.up.railway.app/mcp"
    }
  }
}

Claude Code:

claude mcp add --transport http dfx-real-estate \
  https://exchange-production-9123.up.railway.app/mcp

Both the current protocol revision and the older initialize handshake are served, because most deployed clients still send the latter.

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Questions this server is good at

• Which commercial mortgages in this state mature in the next eighteen months, who lent, and against which building?
• What has DFX learned since I last asked? (changes_since, cursor-based, ordered by when DFX came to know a fact rather than when the fact occurred.)
• Which LIHTC compliance periods and HUD subsidy contracts are expiring, and where?
• What did this Massachusetts parcel last sell for, to whom, and under which book and page?
• Who owns, manages or lends against this building?

Questions it is not good at, and will say so

• Anything about a person. Person lookup is deliberately not offered.
• Parcel, assessor or recorded-sale data outside Massachusetts.
• Debt on conventionally financed property.
• Anything outside the United States.

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Design notes an agent developer may care about

• changes_since is ordered by when DFX learned a fact, not when the fact occurred. A deed signed in March is recorded in August. Polling a date filter would show you the same rows forever.
• An unrecognised event_type is refused with the served vocabulary attached, never answered with an empty list, because an empty list reads as an absent market.
• A name is a blocking key, never an identity. resolve_organization returns all candidates rather than guessing one.
• Every returned fact carries its provenance: the source, the evidence class, and for sales the registry book and page.
• Coverage is a tool, not a footnote. Call dfx_coverage before concluding that an empty result means an absent market.

Terms

The example code in examples/ is MIT licensed. The data served by the endpoint is not: it is derived from public federal and municipal sources under DFX's own processing, and is served for use, not for redistribution as a dataset. Ask if you want something broader; the answer is often yes.

Operated by DFX Intelligence. Developer reference: https://dfxintel.com/ai/real-estate-mcp