# Fix & Flip Underwriting API

> Fix & Flip Underwriting API is a paid API for AI agents from financial-analyst-api-production-b81a.up.railway.app, paid per call via x402, $0.500000/call, status unknown (last checked 2026-09-14).

Solves backwards from desired profit to maximum allowable purchase price for fix-and-flip real estate deals, returning full cost waterfall, required equity, cash-on-cash return, and MOIC.

## Facts

- Endpoint: POST https://financial-analyst-api-production-b81a.up.railway.app/fix-flip/underwrite
- Price: $0.500000/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/fix-flip-underwriting-api-c0d00db8
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_cht-IOmjFMHqdoRIPKCNi

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 fix-flip-underwriting-api-c0d00db8 -d '<json body>'
```

Example prompt: Run a fix-and-flip underwrite for me: I have 3 ARV comps at $420k, $435k, and $410k, repair costs of $55,000, a 9-month hold period, hard money at 12% interest with 2 points and 90% LTC, and I want at least $40,000 in profit — what's my maximum purchase price and what does the full cost waterfall look like?

## When to prefer this

Use this endpoint when you need to underwrite a residential fix-and-flip deal using hard money financing and want to solve backwards from a target profit margin to a maximum purchase price. Ideal for real estate investors, wholesalers, or agents who need a rigorous cost waterfall and return metrics before making or evaluating an offer. Prefer this over generic spreadsheets or manual models when you have ARV comps and hard money lender terms ready.

## Known failure modes

- Missing required inputs (ARV comps, repair cost, hold period) returns a 400 validation error
- Infeasible deal (costs exceed ARV at any purchase price) may return no valid max purchase price or a negative result
- Invalid hard money lender terms (e.g. negative interest rate) return a 422 unprocessable error
- Payment failure or insufficient USDC balance returns a 402 payment required error
- Service unavailability on Railway deployment returns a 503 or timeout

## How this service works

Financial Analyst API — Fix & Flip Underwriting. Solves backwards from your desired profit to the maximum purchase price. Pass 2-5 After-Repair Value (ARV) comps, repair cost, hold period, and hard money lender terms — engine returns max purchase price, required equity, full cost waterfall, cash-on-cash return, and MOIC. Loan sized at min(75% of ARV, 90% of purchase + repairs).

## Output

Returns the maximum allowable purchase price, required equity injection, complete cost waterfall (acquisition, financing, rehab, holding, selling costs), cash-on-cash return percentage, and MOIC. Loan is sized at the lesser of 75% of ARV or 90% of purchase price plus repairs.

## Request schema (JSON Schema)

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

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/fix-flip-underwriting-api-c0d00db8/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from financial-analyst-api-production-b81a.up.railway.app](https://www.zero.xyz/host/financial-analyst-api-production-b81a.up.railway.app/llms.txt)