ToolVet
75trust / 100

Industrial Dev Underwrite

by Financial Analyst API in Markets & finance

x402 APIPassing, checked 2 h ago

Industrial ground-up development underwriting — construction to hold to exit. S-curve hard cost draws, blended LTC construction loan, capitalized interest, per-tenant NNN lease stabilization, perm loan sizing, TI/LC reserves on rollover. Returns yield on cost, spread to cap, profit on cost, IRR and MOIC.

POST
https://financial-analyst.ai/industrial-dev/underwrite
Price
$2.00
per call in USDC
Uptime
100%
last 30 days
Response time
332 ms
606 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/industrial-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/industrial-dev/underwrite
content-type: application/json

{
  "cl_advance_rate": 0.65,
  "cl_rate": 0.085,
  "construction_months": 24,
  "developer_fee_pct": 0.02,
  "draw_schedule": "s_curve",
  "exit_cap_rate": 0.06,
  "hard_costs": 52500000,
  "hold_years": 5,
  "land_cost": 8000000,
  "opex_per_sf_yr": 3.5,
  "perm_ltv": 0.65,
  "perm_rate": 0.065,
  "soft_costs": 5250000,
  "stabilization_months": 12,
  "stabilized_cap_rate": 0.055,
  "start_date": "2026-01-01",
  "tenants": [
    {
      "escalator_pct": 0.025,
      "label": "Tenant A",
      "lease_start_month": 25,
      "rent_per_sf_yr": 7.5,
      "rentable_sf": 200000,
      "term_months": 120
    }
  ],
  "total_sf": 350000
}

Example response

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

{
  "development": {
    "dev_yield_on_cost_pct": "6.8%",
    "profit_on_cost_pct": "22.7%",
    "spread_to_cap_rate_bp": 125
  },
  "summary": {
    "levered_irr_pct": 21.8,
    "levered_moic_net": 2.61,
    "unlevered_irr_pct": 14.2,
    "unlevered_moic": 1.92
  }
}

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/industrial-dev/underwrite' \
  -H 'content-type: application/json' \
  --data-raw '{"cl_advance_rate":0.65,"cl_rate":0.085,"construction_months":24,"developer_fee_pct":0.02,"draw_schedule":"s_curve","exit_cap_rate":0.06,"hard_costs":52500000,"hold_years":5,"land_cost":8000000,"opex_per_sf_yr":3.5,"perm_ltv":0.65,"perm_rate":0.065,"soft_costs":5250000,"stabilization_months":12,"stabilized_cap_rate":0.055,"start_date":"2026-01-01","tenants":[{"escalator_pct":0.025,"label":"Tenant A","lease_start_month":25,"rent_per_sf_yr":7.5,"rentable_sf":200000,"term_months":120}],"total_sf":350000}'

# 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/industrial-dev/underwrite' \
  -H 'content-type: application/json' \
  --data-raw '{"cl_advance_rate":0.65,"cl_rate":0.085,"construction_months":24,"developer_fee_pct":0.02,"draw_schedule":"s_curve","exit_cap_rate":0.06,"hard_costs":52500000,"hold_years":5,"land_cost":8000000,"opex_per_sf_yr":3.5,"perm_ltv":0.65,"perm_rate":0.065,"soft_costs":5250000,"stabilization_months":12,"stabilized_cap_rate":0.055,"start_date":"2026-01-01","tenants":[{"escalator_pct":0.025,"label":"Tenant A","lease_start_month":25,"rent_per_sf_yr":7.5,"rentable_sf":200000,"term_months":120}],"total_sf":350000}' \
  | 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%2Findustrial-dev%2Funderwrite&method=POST
const res = await pay("https://financial-analyst.ai/industrial-dev/underwrite", {
  method: "POST",
  headers: { "content-type": "application/json" },
  body: JSON.stringify({
    "cl_advance_rate": 0.65,
    "cl_rate": 0.085,
    "construction_months": 24,
    "developer_fee_pct": 0.02,
    "draw_schedule": "s_curve",
    "exit_cap_rate": 0.06,
    "hard_costs": 52500000,
    "hold_years": 5,
    "land_cost": 8000000,
    "opex_per_sf_yr": 3.5,
    "perm_ltv": 0.65,
    "perm_rate": 0.065,
    "soft_costs": 5250000,
    "stabilization_months": 12,
    "stabilized_cap_rate": 0.055,
    "start_date": "2026-01-01",
    "tenants": [
      {
        "escalator_pct": 0.025,
        "label": "Tenant A",
        "lease_start_month": 25,
        "rent_per_sf_yr": 7.5,
        "rentable_sf": 200000,
        "term_months": 120
      }
    ],
    "total_sf": 350000
  }),
});
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/industrial-dev/underwrite",
        json={
            "cl_advance_rate": 0.65,
            "cl_rate": 0.085,
            "construction_months": 24,
            "developer_fee_pct": 0.02,
            "draw_schedule": "s_curve",
            "exit_cap_rate": 0.06,
            "hard_costs": 52500000,
            "hold_years": 5,
            "land_cost": 8000000,
            "opex_per_sf_yr": 3.5,
            "perm_ltv": 0.65,
            "perm_rate": 0.065,
            "soft_costs": 5250000,
            "stabilization_months": 12,
            "stabilized_cap_rate": 0.055,
            "start_date": "2026-01-01",
            "tenants": [
                {
                    "escalator_pct": 0.025,
                    "label": "Tenant A",
                    "lease_start_month": 25,
                    "rent_per_sf_yr": 7.5,
                    "rentable_sf": 200000,
                    "term_months": 120,
                },
            ],
            "total_sf": 350000,
        },
    )
    print(res.status_code, res.text)

Security scan

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