# Cortex402 Property Default-Propensity Scorer

> Cortex402 Property Default-Propensity Scorer is a paid API for AI agents from jtifhcvbgxqwlywugvjv.supabase.co, paid per call via x402, $0.5/call, status unknown (last checked 2026-09-15).

Returns a 0-100 synthetic 12-month mortgage default-propensity score for a US property, with per-factor breakdown and optional borrower enrichment inputs.

## Facts

- Endpoint: POST https://jtifhcvbgxqwlywugvjv.supabase.co/functions/v1/cortex402-prenod-score
- 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/jtifhcvbgxqwlywugvjv-supabase-co-562602c9
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_DZIUsuNugAMtfPCB38_bh

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 jtifhcvbgxqwlywugvjv-supabase-co-562602c9 -d '<json body>'
```

Example prompt: What's the 12-month default-propensity score for APN 179-21-611-027 in Clark County, NV (FIPS 32003)? The borrower has a 680 FICO, a 0.41 DTI, W2 income, 3 months reserves, 5 years at their employer, 1 late payment in the last year, and no prior loan modifications.

## When to prefer this

Use this endpoint when you need a property-level mortgage default risk score anchored to ATTOM's US property database, especially when you have borrower-level signals (credit score, DTI, payment history) to enrich the model. Prefer this over generic credit scoring when the property itself is a key risk variable and you want a combined property+borrower default propensity with explainable factor breakdown.

## Known failure modes

- APN not found in ATTOM database — returns error or null score
- Invalid or mismatched FIPS code and APN combination — lookup failure
- Address geocoding failure if address used instead of APN+FIPS
- Credit score out of range (not 300-850) — validation error
- Missing both APN+FIPS and address — required input error
- DTI above 0.43 flagged as QM disqualifier but still scored
- Payment timeout if ATTOM data service is slow

## How this service works

Synthetic 12mo default-propensity score per US property — ATTOM-derived signals + optional buyer-supplied credit/DTI/payment-history enrichments. Returns 0-100 score, per-factor breakdown, suggested enrichments, methodology note.

## Output

A JSON object containing a 0-100 default-propensity score (higher = higher risk), a breakdown of contributing factors with individual weights or contributions, a list of suggested additional enrichments that could improve model accuracy, and a methodology note explaining how the score was derived from ATTOM property signals and any borrower-supplied inputs.

## Example request

```json
{
 "apn": "179-21-611-027",
 "dti": 0.41,
 "fips": "32003",
 "income_type": "W2",
 "credit_score": 680,
 "months_reserves": 3,
 "employment_years": 5,
 "payment_late_12mo": 1,
 "prior_modifications": 0
}
```

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "apn": {
   "type": "string",
   "description": "Assessor parcel number, in the county's canonical format (e.g. \"179-21-611-027\" for Clark, NV)"
  },
  "dti": {
   "type": "number",
   "description": "Optional debt-to-income fraction (e.g. 0.42). >0.43 = QM disqualifier."
  },
  "fips": {
   "type": "string",
   "description": "5-digit county FIPS code (e.g. \"32003\" = Clark, NV; \"06037\" = Los Angeles, CA)"
  },
  "address": {
   "type": "string",
   "description": "Optional alternative to apn+fips — full street address (\"1234 Main St, Austin, TX 78701\")"
  },
  "income_type": {
   "enum": [
    "W2",
    "1099",
    "self"
   ],
   "type": "string",
   "description": "Optional income type — 1099/self-employed correlate with elevated default vs W2."
  },
  "credit_score": {
   "type": "integer",
   "description": "Optional FICO 300-850. DOMINANT factor when supplied (35% of model weight)."
  },
  "months_reserves": {
   "type": "number",
   "description": "Optional liquid reserves in months-of-payment."
  },
  "employment_years": {
   "type": "number",
   "description": "Optional years at current employer."
  },
  "payment_late_12mo": {
   "type": "integer",
   "description": "Optional # of 30+ day late payments in last 12 months."
  },
  "prior_modifications": {
   "type": "integer",
   "description": "Optional count of prior loan modifications."
  }
 }
}
```

## More

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