> ## Documentation Index
> Fetch the complete documentation index at: https://docs.propx402.xyz/llms.txt
> Use this file to discover all available pages before exploring further.

# POST /property-investor

> 5 investor strategy engines + hidden costs + regulatory intel — $0.15 USDC

<Note>
  **Free test version available:** `POST /test/property-investor` — same request/response, no wallet needed.
</Note>

## Overview

Runs the full investor analysis engine. Returns five ranked investment strategy models, derived financial metrics, hidden cost discovery (insurance, lead paint, wiring, asbestos), and state-level regulatory intelligence.

**Price:** `$0.15 USDC` on Base mainnet via x402

## Request

<ParamField body="address" type="string" required>
  Full US property address.
</ParamField>

<ParamField body="condition" type="string" default="average">
  Property condition — calibrates rehab cost estimates.

  Options: `poor` | `fair` | `average` | `good` | `excellent`
</ParamField>

## Response

<ResponseField name="investorScore" type="number">
  Overall investor opportunity score 0–100.
</ResponseField>

<ResponseField name="investorScoreLabel" type="string">
  Plain-language verdict — e.g. `"✅ Good Opportunity"` or `"⚠️ Below Average"`
</ResponseField>

<ResponseField name="recommendedStrategy" type="string">
  Top-ranked strategy — `"Short-Term Rental"`, `"Co-Living"`, `"Fix & Flip"`, `"BRRRR"`, or `"Subject-To"`
</ResponseField>

<ResponseField name="strategyRanking" type="array">
  All 5 strategies ranked by score, highest to lowest.
</ResponseField>

<ResponseField name="strategies" type="object">
  Full projections for each strategy — see [Investor Strategies](/reference/investor-strategies) for details.
</ResponseField>

<ResponseField name="derivedMetrics" type="object">
  Cap rate, GRM, 1% rule pass/fail, DSCR, \$/sqft, value vs neighborhood median.
</ResponseField>

<ResponseField name="hiddenCosts" type="object">
  Insurance estimate, rehab cost range, lead paint risk, wiring risk, asbestos flag.
</ResponseField>

<ResponseField name="regulatoryIntelligence" type="object">
  State landlord score (0–100), eviction timeline weeks, rent control flag, market trend.
</ResponseField>

<ResponseExample>
  ```json 200 - Cedar Rapids example (condition: fair) theme={null}
  {
    "data": {
      "investorAnalysis": {
        "investorScore": 70,
        "investorScoreLabel": "✅ Good Opportunity",
        "recommendedStrategy": "Short-Term Rental",
        "strategyRanking": [
          { "name": "Short-Term Rental", "score": 82 },
          { "name": "Co-Living",         "score": 78 },
          { "name": "Sub-To",            "score": 50 },
          { "name": "BRRRR",             "score": 40 },
          { "name": "Fix & Flip",        "score": 20 }
        ],
        "strategies": {
          "shortTermRental": {
            "estimatedNightlyRate": 124,
            "estimatedOccupancy": "45%",
            "projectedAnnualRevenue": 20447,
            "strPremiumVsLTR": "45.6%",
            "verdict": "🔥 STR strongly outperforms LTR"
          },
          "subjectTo": {
            "estimatedRemainingBalance": 94043,
            "estimatedOriginalRate": "2.96%",
            "rateLockAdvantage": "🔥 LOCKED at 2.96% — massive rate advantage"
          },
          "coLiving": {
            "rentalPremium": "+36.1%",
            "verdict": "✅ Good co-living opportunity"
          },
          "brrrr": {
            "cashLeftInDeal": 46260,
            "verdict": "❌ Weak BRRRR — too much cash trapped"
          },
          "fixAndFlip": {
            "projectedProfit": -23892,
            "verdict": "❌ Not recommended for flip"
          }
        },
        "derivedMetrics": {
          "capRate": "7.02%",
          "grossRentMultiplier": 7.8,
          "onePercentRule": { "ratio": "1.06%", "passes": true },
          "debtServiceCoverageRatio": 1.52,
          "valueVsNeighborhood": "✅ 15% below neighborhood median"
        },
        "hiddenCosts": {
          "estimatedInsurance": { "estimatedMonthlyInsurance": 142 },
          "rehabEstimate": {
            "estimatedRehabMid": 86010,
            "leadPaintRisk": "Very High",
            "wiringRisk": "High — likely knob & tube"
          }
        },
        "regulatoryIntelligence": {
          "landlordScore": { "score": 78, "evictionWeeks": 3, "rentControl": false },
          "marketTrend": "Appreciating",
          "appreciation": "4.02%"
        }
      }
    }
  }
  ```
</ResponseExample>