# financial-analyst.ai STR Underwriter

> 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

## Facts

- Endpoint: POST https://financial-analyst.ai/str/underwrite
- Price: $1/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-9a736e24
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_wyxRPVFI0J1-trumHc8vM

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-9a736e24 -d '<json body>'
```

Example prompt: Run an STR underwrite on a $450,000 Airbnb cabin I'm looking at — it averages $280 ADR in Q1/Q3, $380 ADR in Q2/Q4, with 55% occupancy in slow quarters and 75% in peak quarters, 25% down at 7.5% interest, and about $2,200/month in operating expenses. Give me the CoC return, IRR, MOIC, NOI, and a GO/NO-GO verdict.

## When to prefer this

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.

## Known failure modes

- 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

## 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 request

```json
{
 "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
}
```

## Request schema (JSON Schema)

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

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/financial-analyst-ai-9a736e24/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)