# Fix-and-Flip Underwriting by financial-analyst.ai

> Fix-and-Flip Underwriting by financial-analyst.ai is a paid API for AI agents from financial-analyst.ai, paid per call via x402, $0.5/call, status unknown (last checked 2026-09-14).

Models purchase price, rehab costs, carry costs, and projected sale price to return net profit, ROI, annualized return, and a GO/NO-GO investment verdict for fix-and-flip real estate deals.

## Facts

- Endpoint: POST https://financial-analyst.ai/fix-flip/underwrite
- Price: $0.5/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/financial-analyst-ai-52b53cca
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_T8xA-7sgBpNWHn0FfUZiP

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability financial-analyst-ai-52b53cca -d '<json body>'
```

Example prompt: Run a fix-and-flip underwrite on a property I can buy for $180,000, with $45,000 in rehab costs, a 6-month hold, hard money financing at 10% interest-only, and an ARV of $295,000 — tell me the net profit, ROI, annualized return, and whether it's a GO or NO-GO.

## When to prefer this

Use this endpoint when evaluating a specific fix-and-flip residential deal and you need a full cost-stack model with a clear GO/NO-GO output. Prefer this over generic ROI calculators when you need carry costs, rehab, and financing baked into a single underwriting verdict. Distinct from the SFR or STR endpoints which model hold-and-rent strategies rather than buy-rehab-sell.

## Known failure modes

- Missing required inputs (purchase price, rehab cost, ARV) returns a 400 validation error
- ARV lower than total costs results in a NO-GO with negative profit figures
- Invalid financing parameters (e.g. negative interest rate) return a 422 unprocessable entity
- Payment not provided or insufficient USDC results in 402 Payment Required
- Server-side model error returns 500 with no verdict

## How this service works

Fix-and-flip underwriting — models purchase, rehab, carry costs, and sale to produce net profit, ROI, annualized return, and a GO/NO-GO verdict.

## Output

Returns a structured breakdown including total project cost, net profit after all costs, ROI percentage, annualized return, and a binary GO/NO-GO investment verdict based on the modeled purchase, rehab, carry, and sale scenario.

## Request schema (JSON Schema)

```json
{
 "type": "object"
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/financial-analyst-ai-52b53cca/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from financial-analyst.ai](https://www.zero.xyz/host/financial-analyst.ai/llms.txt)