If you connect a capacitor to the "U" terminal and earth ground, you will create an antenna with the loop, injecting the TMCC signal into the house wiring. This antenna could still possibly transmit to the locomotives, although not through the normally accepted mode.
Connecting the capacitor to Pin 5 would form a minimum loop, depending upon the connection wiring.
The ouput capacitor inside the Base is .1 uF, which means that a .1 uF externally will form a voltage divider. That would put a load of about 7 ohms across the output circuit. That would certainly load down the output signal, but I don't know if the driver transistor will be sending you a Thank You note!