# financial-analyst.ai Multifamily Acquisition Underwriter

> financial-analyst.ai Multifamily Acquisition Underwriter is a paid API for AI agents from financial-analyst.ai, paid per call via x402, $1.000000/call, status unknown (last checked 2026-10-13).

Underwrites multifamily property acquisitions with mixed unit types, producing NOI, cap rate, DSCR, LTV, CoC return, IRR, MOIC, and annual projections with exit valuation.

## Facts

- Endpoint: POST https://financial-analyst.ai/mf-acq/underwrite?utm_source=zero.xyz
- Price: $1.000000/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/financial-analyst-ai-aefffb27
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_f0BsOlIQ7dyD1AIaXHyX4

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-aefffb27 -d '<json body>'
```

Example prompt: Underwrite this multifamily acquisition for me: 24-unit building with a mix of studios and 1BRs, purchase price $3.2M, gross scheduled rent $28,000/month, operating expenses $9,500/month, 75% LTV loan at 6.5% interest over 30 years, 5-year hold period, and exit at a 5.5% cap rate — give me the NOI, cap rate, DSCR, LTV, CoC return, IRR, and MOIC with annual projections.

## When to prefer this

Choose this endpoint when analyzing a multifamily residential acquisition (2+ units, mixed unit types) and you need a full investment underwriting package including leveraged returns (IRR, MOIC, CoC), debt metrics (DSCR, LTV), and annual projections with exit valuation. Prefer this over SFR or STR underwriting endpoints when the subject property is an apartment building or mixed residential complex, not a single-family home or vacation rental.

## Known failure modes

- Missing or invalid purchase price returns 400 error
- Negative or zero unit count causes validation failure
- Loan-to-value ratio outside acceptable range returns parameter error
- Insufficient income data to compute NOI returns incomplete model error
- Invalid hold period or exit cap rate causes projection failure
- Payment not received or insufficient USDC balance returns 402

## How this service works

Multifamily acquisition underwriting — mixed unit mix through a monthly proforma to unlevered AND levered project returns (IRR via XIRR + equity multiple). Stub acquisition month, trailing-NOI exit. Deterministic, Excel-reconciled, SHA-pinned (pass attest=true).

## Output

Returns a comprehensive underwriting report including NOI, cap rate, DSCR, LTV, cash-on-cash return, IRR, MOIC, year-by-year cash flow projections, and exit valuation for the multifamily acquisition.

## Request schema (JSON Schema)

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

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/financial-analyst-ai-aefffb27/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)