Sfr Underwrite

{
  "acquisition": {
    "basis": 293550,
    "equity": 88065,
    "loan_amount": 205485
  },
  "exit": {
    "exit_debt": 187294.26,
    "sale_price": 351492.26,
    "sale_proceeds": 330402.72
  },
  "operations": {
    "total_noi": 141487.98,
    "total_opex": 76779.47,
    "total_revenue": 218267.45
  },
  "returns": {
    "levered": {
      "equity_multiple": 1.9112,
      "irr_pct": "10.7%"
    },
    "unlevered": {
      "equity_multiple": 1.6075,
      "irr_pct": "8.5%"
    }
  }
}

# bash or zsh: see the payment challenge. Nothing is charged.
curl -sS -g -i -X POST 'https://financial-analyst.ai/sfr/underwrite' \
  -H 'content-type: application/json' \
  --data-raw '{"address":"142 Oak Street, Greenville, SC 29601","annual_appreciation":0.03,"annual_loan_rate":0.07,"exit_cap_rate":0.065,"expense_escalator":0.03,"hold_years":7,"interest_only_months":0,"ltc_pct":0.7,"monthly_expenses":850,"monthly_rent":2600,"purchase_price":285000,"rent_escalator":0.03,"sale_cost_pct":0.06,"transaction_fees":0.03,"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/sfr/underwrite' \
  -H 'content-type: application/json' \
  --data-raw '{"address":"142 Oak Street, Greenville, SC 29601","annual_appreciation":0.03,"annual_loan_rate":0.07,"exit_cap_rate":0.065,"expense_escalator":0.03,"hold_years":7,"interest_only_months":0,"ltc_pct":0.7,"monthly_expenses":850,"monthly_rent":2600,"purchase_price":285000,"rent_escalator":0.03,"sale_cost_pct":0.06,"transaction_fees":0.03,"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 $0.5 per call.
const client = new x402Client().setSpendControls({ maxAmountPerPayment: "$0.5" });
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 $0.5 per payment. GET https://toolvet.app/api/v1/check?url=https%3A%2F%2Ffinancial-analyst.ai%2Fsfr%2Funderwrite&method=POST
const res = await pay("https://financial-analyst.ai/sfr/underwrite", {
  method: "POST",
  headers: { "content-type": "application/json" },
  body: JSON.stringify({
    "address": "142 Oak Street, Greenville, SC 29601",
    "annual_appreciation": 0.03,
    "annual_loan_rate": 0.07,
    "exit_cap_rate": 0.065,
    "expense_escalator": 0.03,
    "hold_years": 7,
    "interest_only_months": 0,
    "ltc_pct": 0.7,
    "monthly_expenses": 850,
    "monthly_rent": 2600,
    "purchase_price": 285000,
    "rent_escalator": 0.03,
    "sale_cost_pct": 0.06,
    "transaction_fees": 0.03,
    "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 $0.5 per call.
client = x402ClientSync().set_spend_controls({"max_amount_per_payment": "$0.5"})
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/sfr/underwrite",
        json={
            "address": "142 Oak Street, Greenville, SC 29601",
            "annual_appreciation": 0.03,
            "annual_loan_rate": 0.07,
            "exit_cap_rate": 0.065,
            "expense_escalator": 0.03,
            "hold_years": 7,
            "interest_only_months": 0,
            "ltc_pct": 0.7,
            "monthly_expenses": 850,
            "monthly_rent": 2600,
            "purchase_price": 285000,
            "rent_escalator": 0.03,
            "sale_cost_pct": 0.06,
            "transaction_fees": 0.03,
            "vacancy_rate": 0.05,
        },
    )
    print(res.status_code, res.text)