# Underwrite a property

import { Card } from "zudoku/ui/Card";
import { Calculator, ChartNoAxesCombined, SlidersHorizontal, List } from "zudoku/icons";

Send one address to get its valuation, maximum allowable offer and supporting sales.

## Send the address

Save your [API key](/definitions), the credential that identifies you, in `INVESTORLIFT_API_KEY`.
Your [account](/definitions) is the record that owns your keys and the money you add.
The [API keys guide](/api-keys) explains how to create one.

Send the property's full street address to `POST /v1/predict`.
Set your client timeout to at least 30 seconds.
These examples use the default options.

<CodeTabs syncKey="request-language" hideIcon>

```bash title="cURL"
curl https://api.investorliftdata.com/v1/predict \
  --request POST --max-time 30 \
  --header "Authorization: Bearer $INVESTORLIFT_API_KEY" \
  --header "Content-Type: application/json" \
  --data '{"address": "1026 N Beckley Ave, Dallas, TX 75203"}'
```

```javascript title="JavaScript"
const response = await fetch("https://api.investorliftdata.com/v1/predict", {
  method: "POST",
  signal: AbortSignal.timeout(30_000),
  headers: {
    Authorization: `Bearer ${process.env.INVESTORLIFT_API_KEY}`,
    "Content-Type": "application/json",
  },
  body: JSON.stringify({"address": "1026 N Beckley Ave, Dallas, TX 75203"}),
});
console.log(await response.json());
```

```python title="Python"
import os
import requests

response = requests.post(
    "https://api.investorliftdata.com/v1/predict",
    headers={
        "Authorization": f"Bearer {os.environ['INVESTORLIFT_API_KEY']}",
        "Content-Type": "application/json",
    },
    json={"address": "1026 N Beckley Ave, Dallas, TX 75203"},
    timeout=30,
)
print(response.json())
```

</CodeTabs>

## Choose optional inputs

| Option | What it changes |
| --- | --- |
| `condition` | Sets a repair bracket; omitted means `turn_key`, with no repairs. Tear-downs are refused. |
| `rehab_budget` | Supplies your repair budget in whole dollars instead of the condition bracket. |
| `target_margin` | Sets the profit margin as a fraction of the repaired value. |
| `overrides` | Supplies six supported property facts in place of the county record. |

[Use your own numbers](/scoring/your-own-numbers) explains limits, precedence and factual overrides.
The [reference](/api/scoring#score-a-property-address) lists the accepted inputs.

## Read the answer

<details>
<summary>Show the full response (145 lines)</summary>

```json title="Full response" operation="predict"
{
  "comps": [
    {
      "sqft": 2080,
      "lotsize": 6500,
      "bedrooms": 6,
      "bathrooms": 2,
      "sale_date": "2024-12-03",
      "sale_price": 246641,
      "year_built": 1945,
      "address_zip": "75203",
      "property_id": "00000000000000000000000000000001",
      "address_city": "Dallas",
      "address_state": "TX",
      "property_type": "Single Family",
      "address_street": "523 N Marsalis Ave",
      "distance_miles": 0.4,
      "similarity_rank": 1,
      "price_per_square_foot": 119
    },
    {
      "sqft": 1400,
      "lotsize": 7025,
      "bedrooms": 3,
      "bathrooms": 1,
      "sale_date": "2026-05-08",
      "sale_price": 234999,
      "year_built": 1930,
      "address_zip": "75203",
      "property_id": "00000000000000000000000000000001",
      "address_city": "Dallas",
      "address_state": "TX",
      "property_type": "Single Family",
      "address_street": "102 E 5th St",
      "distance_miles": 0.09,
      "similarity_rank": 2,
      "price_per_square_foot": 168
    },
    {
      "sqft": 1787,
      "lotsize": 6678,
      "bedrooms": 4,
      "bathrooms": 2,
      "sale_date": "2025-03-05",
      "sale_price": 503139,
      "year_built": 1945,
      "address_zip": "75208",
      "property_id": "00000000000000000000000000000001",
      "address_city": "Dallas",
      "address_state": "TX",
      "property_type": "Single Family",
      "address_street": "818 Elsbeth St",
      "distance_miles": 0.24,
      "similarity_rank": 3,
      "price_per_square_foot": 282
    }
  ],
  "comp_band": {
    "low": 388634,
    "high": 942020,
    "median": 571412
  },
  "cost_stack": {
    "loan": 331200,
    "points": 6624,
    "interest": 6533,
    "hold_days": 60,
    "down_payment": 82800,
    "closing_costs": 29562,
    "target_profit": 114282
  },
  "rehab_budget": 0,
  "target_margin": 0.2,
  "valuation_mean": 1016099,
  "subject_property": {
    "facts": {
      "bathrooms": {
        "value": 2,
        "source": "county-record"
      },
      "year_built": {
        "value": 1935,
        "source": "county-record"
      },
      "square_feet": {
        "value": 2047,
        "source": "county-record"
      },
      "property_type": {
        "value": "Single Family",
        "source": "county-record"
      },
      "lot_size_square_feet": {
        "value": 7100,
        "source": "county-record"
      }
    },
    "address": {
      "zip": "75203",
      "city": "Dallas",
      "state": "TX",
      "street": "1026 N Beckley Ave"
    },
    "property_id": "00000000000000000000000000000001",
    "address_quality": {
      "code": "zip-confirmed",
      "statement": "The house number matched exactly one county record, and that record sits in the same ZIP code your address resolved to. Check the address and property facts in this block before relying on these numbers."
    },
    "outside_model_range": {
      "flagged": false,
      "reasons": []
    }
  },
  "as_is_similar_band": {
    "basis": "all-comparable-sales",
    "statement": "Too few comparable sales passed the size, age and recency filter this service applies to state a similar-sales range, so this price-per-square-foot range covers every comparable sale below that carries a usable sale price and square footage. `qualifying_sales` is how many passed the filter and fell short.",
    "qualifying_sales": 1,
    "price_per_square_foot": {
      "low": 190,
      "high": 460,
      "median": 279
    }
  },
  "rehab_adjusted_arv": 571000,
  "max_allowable_offer": {
    "amount": 414000,
    "clamped": false
  },
  "valuation_quantiles": {
    "0.02": 191787,
    "0.10": 345336,
    "0.20": 476815,
    "0.30": 598093,
    "0.40": 733771,
    "0.50": 878872,
    "0.60": 1110818,
    "0.70": 1417051,
    "0.80": 1988162,
    "0.90": 3615373,
    "0.98": 15505619
  },
  "effective_sample_size": 51.04950714111328,
  "model_estimate_available": true,
  "pricing_model_arv_estimate": 1417000
}
```

</details>

Read these five headline members in order:

| Member | What to read |
| --- | --- |
| `subject_property` | Check the resolved house, its facts and their sources. |
| `comp_band` | Read the value range implied by recorded comparable sales. |
| `rehab_budget` | Check the repair budget actually used. |
| `max_allowable_offer` | Read the investor's purchase ceiling alongside `max_allowable_offer.clamped`. |
| `cost_stack` | Read the costs and target profit behind that ceiling. |

When `max_allowable_offer.clamped` is `true`, no purchase price clears the target margin.
Do not show the amount as an offer.

Successful answers always include `subject_property` and `model_estimate_available`.
Other members can be absent; the five headline members are not all required.
Without `comp_band`, the repaired value, target margin, maximum allowable offer and cost stack are absent.

The captured answer above uses only the address, with a zero repair budget and the default margin.
Its three displayed comparable sales are a retained sample; their count does not reconstruct every aggregate.

## Next steps

<div className="docs-next-steps">

<Card className="docs-next-card"><a href="/scoring/maximum-allowable-offer"><Calculator className="docs-next-icon" size={18} strokeWidth={1.5} aria-hidden="true" focusable="false" /><strong>The maximum allowable offer</strong><span className="docs-next-description">Read the ceiling and its costs.</span><span className="docs-next-arrow" aria-hidden="true">→</span></a></Card>

<Card className="docs-next-card"><a href="/scoring/valuation-and-comps"><ChartNoAxesCombined className="docs-next-icon" size={18} strokeWidth={1.5} aria-hidden="true" focusable="false" /><strong>Valuation and comparable sales</strong><span className="docs-next-description">Read the evidence behind the numbers.</span><span className="docs-next-arrow" aria-hidden="true">→</span></a></Card>

<Card className="docs-next-card"><a href="/scoring/your-own-numbers"><SlidersHorizontal className="docs-next-icon" size={18} strokeWidth={1.5} aria-hidden="true" focusable="false" /><strong>Use your own numbers</strong><span className="docs-next-description">Set your repair budget and margin.</span><span className="docs-next-arrow" aria-hidden="true">→</span></a></Card>

<Card className="docs-next-card"><a href="/scoring/score-a-list"><List className="docs-next-icon" size={18} strokeWidth={1.5} aria-hidden="true" focusable="false" /><strong>Score a list of properties</strong><span className="docs-next-description">Read several scores in submission order.</span><span className="docs-next-arrow" aria-hidden="true">→</span></a></Card>

</div>