# financial-analyst.ai SFR Underwriting

> financial-analyst.ai SFR Underwriting is a paid API for AI agents from financial-analyst.ai, paid per call via x402, $0.5/call, status unknown (last checked 2026-09-15).

Underwrites single-family rental acquisitions with annual projections, DSCR, cap rate, cash-on-cash return, IRR, MOIC, and exit valuation over a configurable hold period.

## Facts

- Endpoint: POST https://financial-analyst.ai/sfr/underwrite
- Price: $0.5/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/financial-analyst-ai-7ec45a32
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_2uLuaYU7MJU4rdraedOMb

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-7ec45a32 -d '<json body>'
```

Example prompt: Underwrite this single-family rental for me: purchase price $385,000, 20% down at 7.25% for 30 years, projected gross rent $2,400/month, operating expenses $800/month including taxes and insurance, hold for 7 years, and assume a 6.5% exit cap rate — give me the DSCR, cap rate, cash-on-cash return, IRR, and MOIC with annual projections.

## When to prefer this

Use this endpoint when evaluating a single-family residential property as a long-term buy-and-hold rental investment and you need a full set of returns metrics (DSCR, cap rate, CoC, IRR, MOIC) with year-by-year projections. Prefer this over the STR or fix-and-flip endpoints when the strategy is a standard long-term tenancy, not vacation rental or a quick flip. Choose this over the multifamily endpoint when the property is a single-unit residential asset.

## Known failure modes

- Missing required inputs such as purchase price or rent returns a 400 validation error
- Negative NOI or DSCR below threshold may return a NO-GO verdict rather than an error
- Invalid hold period or malformed financing terms return a parameter error
- Payment not included or insufficient USDC balance returns a 402 Payment Required
- Server-side computation error returns a 500 with an error message

## How this service works

Single-Family Rental (SFR) underwriting — buy-and-hold analysis with annual projections, DSCR, cap rate, CoC return, IRR, MOIC, and exit valuation over a configurable hold period.

## Output

Returns a full buy-and-hold underwriting report including annual cash flow projections, net operating income (NOI), debt service coverage ratio (DSCR), cap rate, cash-on-cash (CoC) return, IRR, MOIC, and exit valuation at the end of the configured hold period.

## Request schema (JSON Schema)

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

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/financial-analyst-ai-7ec45a32/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)