ToolVet
75trust / 100

Hotel Dev Underwrite

by Financial Analyst API in Markets & finance

x402 APIPassing, checked 2 h ago

Ground-up hotel development underwriting. Land + hard costs (S-curve draw) + soft costs + developer fee, funded by a construction loan (LTC) with capitalized interest, refinanced into a permanent loan sized on min(stabilized-value LTV, DSCR) at the CL term. Occupancy begins the month after construction; the hold is measured from construction end. Returns unlevered and levered project IRR and MOIC. Reconciled to a SHA-pinned Excel model — see /hotel-dev/reconciliation.

POST
https://financial-analyst.ai/hotel-dev/underwrite
Price
$2.00
per call in USDC
Uptime
100%
last 30 days
Response time
311 ms
513 ms slowest 5%
Last check
Passed
2 h ago, next any minute now

Run a free test callHow to call it

Reliability

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Status and outage history · Atom feed · Watch with other listings

How to call it

POST https://financial-analyst.ai/hotel-dev/underwrite

Each call costs $2.00 in USDC on Base, paid with the request over x402.

Run a free test callOne unpaid request, the way an agent sends it. You see the payment challenge it gets back. Nothing is charged.

Example request

From the listing.

POST https://financial-analyst.ai/hotel-dev/underwrite
content-type: application/json

{
  "cl_term_months": 24,
  "construction_months": 18,
  "developer_fee_pct": 0.02,
  "exit_cap_rate": 0.075,
  "exit_costs_pct": 0.03,
  "hold_years": 5,
  "land_cost": 6695000,
  "num_keys": 100,
  "opex_pct": 0.35,
  "other_revenue_pct": 0.15,
  "perm_dscr_min": 1.25,
  "perm_ltv": 0.65,
  "perm_rate": 0.07,
  "perm_term_years": 25,
  "q1_adr": 195,
  "q1_occupancy": 0.55,
  "q2_adr": 260,
  "q2_occupancy": 0.69,
  "q3_adr": 375,
  "q3_occupancy": 0.85,
  "q4_adr": 310,
  "q4_occupancy": 0.59,
  "soft_costs": 4515000,
  "stabilized_cap_rate": 0.075,
  "start_date": "2026-01-01",
  "total_hard_costs": 51975000
}

Example response

The provider's example. We can't check it without paying.

{
  "debt": {
    "construction_loan": 45192956,
    "perm_binding_constraint": "LTV",
    "perm_loan": 47304469
  },
  "exit": {
    "sale_price": 81910149
  },
  "summary": {
    "levered_irr": 0.1571,
    "levered_moic_net": 2,
    "total_equity": 24334668,
    "unlevered_irr": 0.1082,
    "unlevered_moic": 1.69
  }
}

Call it from code

The curl command shows the payment challenge. The JavaScript and Python versions pay and call, and never pay more than $2.

curl: see the payment challenge
# bash or zsh: see the payment challenge. Nothing is charged.
curl -sS -g -i -X POST 'https://financial-analyst.ai/hotel-dev/underwrite' \
  -H 'content-type: application/json' \
  --data-raw '{"cl_term_months":24,"construction_months":18,"developer_fee_pct":0.02,"exit_cap_rate":0.075,"exit_costs_pct":0.03,"hold_years":5,"land_cost":6695000,"num_keys":100,"opex_pct":0.35,"other_revenue_pct":0.15,"perm_dscr_min":1.25,"perm_ltv":0.65,"perm_rate":0.07,"perm_term_years":25,"q1_adr":195,"q1_occupancy":0.55,"q2_adr":260,"q2_occupancy":0.69,"q3_adr":375,"q3_occupancy":0.85,"q4_adr":310,"q4_occupancy":0.59,"soft_costs":4515000,"stabilized_cap_rate":0.075,"start_date":"2026-01-01","total_hard_costs":51975000}'

# x402 v2 sends the challenge base64-encoded in the PAYMENT-REQUIRED header (v1 sends it in the body).
# To read the header:
curl -sS -g -o /dev/null -D - -X POST 'https://financial-analyst.ai/hotel-dev/underwrite' \
  -H 'content-type: application/json' \
  --data-raw '{"cl_term_months":24,"construction_months":18,"developer_fee_pct":0.02,"exit_cap_rate":0.075,"exit_costs_pct":0.03,"hold_years":5,"land_cost":6695000,"num_keys":100,"opex_pct":0.35,"other_revenue_pct":0.15,"perm_dscr_min":1.25,"perm_ltv":0.65,"perm_rate":0.07,"perm_term_years":25,"q1_adr":195,"q1_occupancy":0.55,"q2_adr":260,"q2_occupancy":0.69,"q3_adr":375,"q3_occupancy":0.85,"q4_adr":310,"q4_occupancy":0.59,"soft_costs":4515000,"stabilized_cap_rate":0.075,"start_date":"2026-01-01","total_hard_costs":51975000}' \
  | grep -i '^payment-required:' | cut -d' ' -f2 | tr -d '\r' | base64 --decode
JavaScript: pay and call
// npm i @x402/fetch @x402/evm viem
import { wrapFetchWithPayment, x402Client } from "@x402/fetch";
import { registerExactEvmScheme } from "@x402/evm/exact/client";
import { privateKeyToAccount } from "viem/accounts";

// Pays at most $2 per call.
const client = new x402Client().setSpendControls({ maxAmountPerPayment: "$2" });
registerExactEvmScheme(client, { signer: privateKeyToAccount(process.env.EVM_PRIVATE_KEY) });
const pay = wrapFetchWithPayment(fetch, client);

// Not sure it's safe to pay? ToolVet checks it first for $0.005. Pay for that from a separate
// client: this one is capped at $2 per payment. GET https://toolvet.app/api/v1/check?url=https%3A%2F%2Ffinancial-analyst.ai%2Fhotel-dev%2Funderwrite&method=POST
const res = await pay("https://financial-analyst.ai/hotel-dev/underwrite", {
  method: "POST",
  headers: { "content-type": "application/json" },
  body: JSON.stringify({
    "cl_term_months": 24,
    "construction_months": 18,
    "developer_fee_pct": 0.02,
    "exit_cap_rate": 0.075,
    "exit_costs_pct": 0.03,
    "hold_years": 5,
    "land_cost": 6695000,
    "num_keys": 100,
    "opex_pct": 0.35,
    "other_revenue_pct": 0.15,
    "perm_dscr_min": 1.25,
    "perm_ltv": 0.65,
    "perm_rate": 0.07,
    "perm_term_years": 25,
    "q1_adr": 195,
    "q1_occupancy": 0.55,
    "q2_adr": 260,
    "q2_occupancy": 0.69,
    "q3_adr": 375,
    "q3_occupancy": 0.85,
    "q4_adr": 310,
    "q4_occupancy": 0.59,
    "soft_costs": 4515000,
    "stabilized_cap_rate": 0.075,
    "start_date": "2026-01-01",
    "total_hard_costs": 51975000
  }),
});
console.log(res.status, await res.text());
Python: pay and call
# pip install "x402[requests,evm]"
import os
from eth_account import Account
from x402 import x402ClientSync
from x402.http.clients import x402_requests
from x402.mechanisms.evm import EthAccountSigner
from x402.mechanisms.evm.exact.register import register_exact_evm_client

# Pays at most $2 per call.
client = x402ClientSync().set_spend_controls({"max_amount_per_payment": "$2"})
register_exact_evm_client(client, EthAccountSigner(Account.from_key(os.environ["EVM_PRIVATE_KEY"])))

with x402_requests(client) as session:
    res = session.post(
        "https://financial-analyst.ai/hotel-dev/underwrite",
        json={
            "cl_term_months": 24,
            "construction_months": 18,
            "developer_fee_pct": 0.02,
            "exit_cap_rate": 0.075,
            "exit_costs_pct": 0.03,
            "hold_years": 5,
            "land_cost": 6695000,
            "num_keys": 100,
            "opex_pct": 0.35,
            "other_revenue_pct": 0.15,
            "perm_dscr_min": 1.25,
            "perm_ltv": 0.65,
            "perm_rate": 0.07,
            "perm_term_years": 25,
            "q1_adr": 195,
            "q1_occupancy": 0.55,
            "q2_adr": 260,
            "q2_occupancy": 0.69,
            "q3_adr": 375,
            "q3_occupancy": 0.85,
            "q4_adr": 310,
            "q4_occupancy": 0.59,
            "soft_costs": 4515000,
            "stabilized_cap_rate": 0.075,
            "start_date": "2026-01-01",
            "total_hard_costs": 51975000,
        },
    )
    print(res.status_code, res.text)

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