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financial-analyst.ai STR Underwriter
x402
financial-analyst.ai STR Underwriter is a paid API for AI agents from financial-analyst.ai, paid per call via x402, $1/call, status unknown (last checked 2026-09-15).
Underwrites short-term rental acquisitions by taking quarterly ADR and occupancy inputs to produce CoC return, IRR, MOIC, NOI, and a GO/NO-GO investment verdict
Price / call$1
Success—
StatusUnknown
How this service works
Short-Term Rental (STR) underwriting — quarterly ADR and occupancy inputs yield CoC return, IRR, MOIC, NOI, and a GO/NO-GO verdict. Covers Airbnb, VRBO, and vacation rental acquisitions.
Output
Returns key STR investment metrics including Cash-on-Cash return, IRR, MOIC, NOI, and an explicit GO/NO-GO verdict for the acquisition, based on the quarterly ADR and occupancy profile plus financing and expense inputs.
Example use cases
Airbnb beach house deal check
“I'm about to put in an offer on a $620,000 beachfront property I want to list on Airbnb. It does roughly $350 ADR in Q1 and Q4 with about 50% occupancy, and peaks at $520 ADR in Q2 and Q3 with 80% occupancy. I'm putting 20% down at 7.25% interest and expecting around $3,100 a month in operating costs including HOA, insurance, and management fees. Can you run the full STR underwrite and tell me if this deal pencils out — CoC return, IRR, MOIC, NOI, and a GO/NO-GO?”
Mountain cabin VRBO return analysis
“I found a $385,000 ski cabin I want to run as a VRBO. In Q1 and Q2 it averages $310 ADR at 70% occupancy because of ski season, then drops to $180 ADR at 40% occupancy in Q3 and Q4. I'd be putting 25% down with a 7.75% rate and my all-in monthly expenses are around $2,500. Walk me through the numbers — what's my cash-on-cash, IRR, equity multiple, and NOI, and should I pull the trigger on this one?”
Comparing two vacation rental acquisitions
“I'm trying to decide between two vacation rental properties and want to underwrite the stronger one first. It's listed at $510,000, a lakefront cottage that sees $290 ADR and 60% occupancy in Q1 and Q3, then $410 ADR and 78% occupancy in Q2 and Q4. Financing is 20% down at 7.5% and I'm budgeting $2,800 per month in operating expenses. Give me the CoC return, IRR, MOIC, NOI, and a clear GO/NO-GO so I know if it's even worth comparing against the second option.”
Technical details
Endpoint
POSThttps://financial-analyst.ai/str/underwriteWhen to prefer
Use this endpoint specifically for short-term rental (Airbnb, VRBO, vacation rental) acquisitions where seasonal revenue variation matters and you need a GO/NO-GO verdict alongside standard return metrics. Prefer the SFR underwriter for long-term buy-and-hold rentals, or the multifamily underwriter for apartment buildings.
Side effects
- Missing required quarterly ADR or occupancy inputs returns a 422 validation error
- Unrealistic occupancy rates (>100%) or negative ADR trigger input validation failure
- Missing purchase price or down payment causes model to fail with parameter error
- Payment not included or invalid results in 402 Payment Required response
- Malformed JSON body returns 400 Bad Request
Input
{
"q1": {
"adr": 220,
"days": 90,
"occupancy": 0.58
},
"q2": {
"adr": 290,
"days": 91,
"occupancy": 0.72
},
"q3": {
"adr": 380,
"days": 92,
"occupancy": 0.88
},
"q4": {
"adr": 240,
"days": 92,
"occupancy": 0.62
},
"address": "123 Beach Rd, Folly Beach, SC",
"bedrooms": 3,
"bathrooms": 2,
"loan_rate": 0.0725,
"hold_years": 10,
"repairs_pct": 0.01,
"mgmt_fee_pct": 0.1,
"supplies_pct": 0.02,
"closing_costs": 9000,
"coc_threshold": 0.06,
"exit_cap_rate": 0.065,
"irr_threshold": 0.07,
"moic_threshold": 2,
"purchase_price": 650000,
"loan_term_years": 30,
"down_payment_pct": 0.25,
"insurance_annual": 3200,
"platform_fee_pct": 0.05,
"renovation_capex": 15000,
"utilities_annual": 3600,
"annual_appreciation": 0.03,
"expense_growth_rate": 0.02,
"property_tax_annual": 5800,
"revenue_growth_rate": 0.03,
"cleaning_cost_annual": 4800
}Schema · Request body
{
"type": "object"
}Output
{
"flags": [],
"returns": {
"irr": 0.1271,
"moic": 3.96,
"noi_yr1": 44050,
"cap_rate": 0.0678,
"exit_value": 913600,
"hold_years": 10,
"cash_on_cash": 0.0222,
"net_cash_flow_yr1": 4143,
"net_sale_proceeds": 438021,
"remaining_loan_balance_at_exit": 420763
},
"revenue": {
"avg_adr": 293.05,
"avg_occupancy": 0.701,
"quarterly_breakdown": [
{
"adr": 220,
"days": 90,
"quarter": "Q1 (Jan-Mar)",
"revenue": 11484,
"occupancy": 0.58
},
{
"adr": 290,
"days": 91,
"quarter": "Q2 (Apr-Jun)",
"revenue": 19000.8,
"occupancy": 0.72
},
{
"adr": 380,
"days": 92,
"quarter": "Q3 (Jul-Sep)",
"revenue": 30764.8,
"occupancy": 0.88
},
{
"adr": 240,
"days": 92,
"quarter": "Q4 (Oct-Dec)",
"revenue": 13689.6,
"occupancy": 0.62
}
],
"revenue_growth_rate": "3.0%",
"gross_annual_revenue_yr1": 74939
},
"verdict": {
"go": true,
"signal": "GO",
"summary": "GO (IRR/MOIC override) — CoC 2.2%, cap rate 6.8%, IRR 12.7%, MOIC 3.96x.",
"go_reason": "IRR/MOIC override",
"coc_threshold": "6%",
"irr_threshold": "7%",
"moic_threshold": "2.0x"
},
"expenses": {
"hoa": 0,
"other": 0,
"cleaning": 4800,
"mgmt_fee": 7494,
"supplies": 1499,
"insurance": 3200,
"utilities": 3600,
"opex_ratio": 0.412,
"platform_fee": 3747,
"property_tax": 5800,
"total_opex_yr1": 30889,
"repairs_reserve": 749,
"expense_growth_rate": "2.0%"
},
"property": {
"address": "123 Beach Rd, Folly Beach, SC",
"bedrooms": 3,
"bathrooms": 2
},
"acquisition": {
"loan_rate": "7.25%",
"loan_amount": 487500,
"down_payment": 162500,
"closing_costs": 9000,
"purchase_price": 650000,
"total_equity_in": 186500,
"renovation_capex": 15000,
"annual_debt_service": 39907,
"monthly_debt_service": 3326
},
"annual_cash_flows": [
{
"noi": 44050,
"year": 1,
"total_opex": 30889,
"debt_service": 39907,
"gross_revenue": 74939,
"net_cash_flow": 4143
},
{
"noi": 45546,
"year": 2,
"total_opex": 31642,
"debt_service": 39907,
"gross_revenue": 77187,
"net_cash_flow": 5638
},
{
"noi": 47089,
"year": 3,
"total_opex": 32413,
"debt_service": 39907,
"gross_revenue": 79503,
"net_cash_flow": 7182
},
{
"noi": 48683,
"year": 4,
"total_opex": 33205,
"debt_service": 39907,
"gross_revenue": 81888,
"net_cash_flow": 8776
},
{
"noi": 50328,
"year": 5,
"total_opex": 34016,
"debt_service": 39907,
"gross_revenue": 84345,
"net_cash_flow": 10421
},
{
"noi": 52027,
"year": 6,
"total_opex": 34849,
"debt_service": 39907,
"gross_revenue": 86875,
"net_cash_flow": 12119
},
{
"noi": 53779,
"year": 7,
"total_opex": 35702,
"debt_service": 39907,
"gross_revenue": 89481,
"net_cash_flow": 13872
},
{
"noi": 55589,
"year": 8,
"total_opex": 36577,
"debt_service": 39907,
"gross_revenue": 92166,
"net_cash_flow": 15681
},
{
"noi": 57456,
"year": 9,
"total_opex": 37474,
"debt_service": 39907,
"gross_revenue": 94931,
"net_cash_flow": 17549
},
{
"noi": 59384,
"year": 10,
"total_opex": 38395,
"debt_service": 39907,
"gross_revenue": 97779,
"net_cash_flow": 19477
}
]
}Tags
x402
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