# STR Underwriting API

> 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

## Facts

- Endpoint: POST https://financial-analyst-api-production-b81a.up.railway.app/str/underwrite
- Price: $1.000000/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/str-underwriting-api-eb1c5902
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_LKKiIwD84o81PhquD2veo

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 str-underwriting-api-eb1c5902 -d '<json body>'
```

Example prompt: Run an STR underwriting analysis on a $450,000 vacation rental — I'm projecting Q1-Q4 ADRs of $180, $260, $310, $220 and occupancy rates of 55%, 75%, 80%, 60%, with a $90K down payment, $25K annual operating expenses, and a 5-year hold. Give me the IRR, MOIC, cash-on-cash return, NOI, and a GO/NO-GO verdict.

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## Request schema (JSON Schema)

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

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/str-underwriting-api-eb1c5902/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)