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STR Underwriting API
x402
STR Underwriting API is a paid API for AI agents from financial-analyst-api-production-b81a.up.railway.app, paid per call via x402, $1.000000/call, status unknown (last checked 2026-09-15).
Underwrites short-term rental (Airbnb/VRBO/vacation rental) acquisitions using quarterly ADR and occupancy inputs to produce CoC return, IRR, MOIC, NOI, and a GO/NO-GO investment verdict
Price / call$1.000000
Success—
StatusUnknown
How this service works
Financial Analyst API — Short-Term Rental (STR) Underwriting. Airbnb, VRBO, and vacation rental investment analysis. Given a property address, purchase price, financing terms, and quarterly revenue assumptions (Average Daily Rate and occupancy by quarter), returns a GO/NO-GO verdict with Year 1 cash-on-cash return, cap rate, IRR, MOIC, and a 10-year annual cash flow projection. All decision thresholds configurable per call. Deterministic math, no LLM.
Output
Returns a structured investment analysis including annualized IRR, MOIC, cash-on-cash (CoC) return, net operating income (NOI), and a binary GO/NO-GO acquisition verdict based on the quarterly ADR and occupancy inputs provided.
Example use cases
Evaluate multi-unit Airbnb portfolio deal
“I'm looking at acquiring a 3-unit Airbnb building for $1.2M with a $240K down payment. The units are projecting Q1-Q4 ADRs of $150, $220, $280, $190 and average occupancy of 50%, 70%, 75%, 55% across the portfolio. My annual operating costs are $45K total, and I'm planning a 7-year hold. Run the underwriting and tell me if this deal makes sense — what's my IRR, MOIC, CoC return, and should I move forward?”
Analyze seasonal vacation rental investment
“I found a beachfront vacation rental property listed at $650K, and I can put down $130K. Based on historical data, Q1 looks soft at $140 ADR with 40% occupancy, Q2 picks up to $280 ADR at 78% occupancy, Q3 is peak season at $350 ADR with 85% occupancy, and Q4 drops to $200 ADR at 60% occupancy. Operating expenses should run about $18K annually. Give me the full investment analysis with IRR, MOIC, NOI, and a clear GO or NO-GO so I know whether to proceed.”
Compare VRBO property deal metrics
“I'm trying to decide between two VRBO properties. Help me underwrite the first one: it's priced at $800K with a $160K down payment. The quarterly ADRs are $200, $240, $300, $230, and occupancy runs 45%, 68%, 72%, 50% respectively. Annual operating expenses are $22K and I'm holding for 5 years. Calculate my cash-on-cash return, IRR, MOIC, and NOI so I can compare this to my other option.”
Technical details
Endpoint
POSThttps://financial-analyst-api-production-b81a.up.railway.app/str/underwriteWhen to prefer
Use this endpoint when evaluating Airbnb, VRBO, or vacation rental acquisitions that have seasonal revenue variability captured in quarterly ADR and occupancy data. Prefer over generic DCF tools when you need STR-specific metrics (CoC, IRR, MOIC, NOI) and a clear GO/NO-GO signal in a single call.
Side effects
- Missing or invalid quarterly ADR/occupancy inputs return a 400 validation error
- Negative or zero purchase price causes computation failure
- Implausible occupancy rates (>100%) rejected
- Payment not processed (x402) returns 402 Payment Required
- Server unavailable returns 503
Input
Schema · Request body
{
"type": "object"
}Tags
x402
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