Mf Acq Underwrite

{
  "acquisition": {
    "basis": 4263000,
    "equity": 1113000,
    "loan_amount": 3150000
  },
  "exit": {
    "exit_debt": 2852570.43,
    "exit_noi": 443213.11,
    "sale_price": 7386885.13,
    "sale_proceeds": 7165278.57
  },
  "operations": {
    "total_noi": 2844183.36
  },
  "property": {
    "purchase_price": 4200000,
    "total_units": 32
  },
  "returns": {
    "levered": {
      "equity_multiple": 4.9316,
      "irr_pct": "31.4%"
    },
    "unlevered": {
      "equity_multiple": 2.348,
      "irr_pct": "16.0%"
    }
  }
}

# bash or zsh: see the payment challenge. Nothing is charged.
curl -sS -g -i -X POST 'https://financial-analyst.ai/mf-acq/underwrite' \
  -H 'content-type: application/json' \
  --data-raw '{"address":"400 Riverside Drive, Charlotte, NC 28209","amort_years":30,"annual_loan_rate":0.065,"avg_annual_growth":0.03,"buy_closing_pct":0.015,"exit_cap_rate":0.06,"expense_ratio":0.38,"hold_years":7,"ltv":0.75,"other_income_pct":0.04,"purchase_price":4200000,"sell_closing_pct":0.03,"unit_types":[{"count":8,"label":"Studio","monthly_rent":1200},{"count":16,"label":"1BR","monthly_rent":1550},{"count":8,"label":"2BR","monthly_rent":1950}],"vacancy_rate":0.05}'

# 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/mf-acq/underwrite' \
  -H 'content-type: application/json' \
  --data-raw '{"address":"400 Riverside Drive, Charlotte, NC 28209","amort_years":30,"annual_loan_rate":0.065,"avg_annual_growth":0.03,"buy_closing_pct":0.015,"exit_cap_rate":0.06,"expense_ratio":0.38,"hold_years":7,"ltv":0.75,"other_income_pct":0.04,"purchase_price":4200000,"sell_closing_pct":0.03,"unit_types":[{"count":8,"label":"Studio","monthly_rent":1200},{"count":16,"label":"1BR","monthly_rent":1550},{"count":8,"label":"2BR","monthly_rent":1950}],"vacancy_rate":0.05}' \
  | grep -i '^payment-required:' | cut -d' ' -f2 | tr -d '\r' | base64 --decode

// 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 $1 per call.
const client = new x402Client().setSpendControls({ maxAmountPerPayment: "$1" });
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 $1 per payment. GET https://toolvet.app/api/v1/check?url=https%3A%2F%2Ffinancial-analyst.ai%2Fmf-acq%2Funderwrite&method=POST
const res = await pay("https://financial-analyst.ai/mf-acq/underwrite", {
  method: "POST",
  headers: { "content-type": "application/json" },
  body: JSON.stringify({
    "address": "400 Riverside Drive, Charlotte, NC 28209",
    "amort_years": 30,
    "annual_loan_rate": 0.065,
    "avg_annual_growth": 0.03,
    "buy_closing_pct": 0.015,
    "exit_cap_rate": 0.06,
    "expense_ratio": 0.38,
    "hold_years": 7,
    "ltv": 0.75,
    "other_income_pct": 0.04,
    "purchase_price": 4200000,
    "sell_closing_pct": 0.03,
    "unit_types": [
      {
        "count": 8,
        "label": "Studio",
        "monthly_rent": 1200
      },
      {
        "count": 16,
        "label": "1BR",
        "monthly_rent": 1550
      },
      {
        "count": 8,
        "label": "2BR",
        "monthly_rent": 1950
      }
    ],
    "vacancy_rate": 0.05
  }),
});
console.log(res.status, await res.text());

# 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 $1 per call.
client = x402ClientSync().set_spend_controls({"max_amount_per_payment": "$1"})
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/mf-acq/underwrite",
        json={
            "address": "400 Riverside Drive, Charlotte, NC 28209",
            "amort_years": 30,
            "annual_loan_rate": 0.065,
            "avg_annual_growth": 0.03,
            "buy_closing_pct": 0.015,
            "exit_cap_rate": 0.06,
            "expense_ratio": 0.38,
            "hold_years": 7,
            "ltv": 0.75,
            "other_income_pct": 0.04,
            "purchase_price": 4200000,
            "sell_closing_pct": 0.03,
            "unit_types": [
                {
                    "count": 8,
                    "label": "Studio",
                    "monthly_rent": 1200,
                },
                {
                    "count": 16,
                    "label": "1BR",
                    "monthly_rent": 1550,
                },
                {
                    "count": 8,
                    "label": "2BR",
                    "monthly_rent": 1950,
                },
            ],
            "vacancy_rate": 0.05,
        },
    )
    print(res.status_code, res.text)