Real estate deal memo

{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'properties': {'memo': {'type': 'boolean', 'default': True, 'description': 'Include the one-paragraph memo (cheap model, cached). Default true.'}, 'sample': {'type': 'boolean', 'default': False, 'description': 'Set true to return an example response at no charge (sample mode). Default false.'}, 'address': {'type': 'string', 'maxLength': 200, 'minLength': 1, 'description': 'Full US street address: number, street, city, state, zip (e.g. 1547 Example Ave, Cleveland, OH 44109). Required unless sample=true.'}, 'strategy': {'enum': ['rental', 'flip', 'hold'], 'type': 'string', 'default': 'rental', 'description': 'rental: buy and rent out (NOI, cap rate, cash-on-cash, DSCR). flip: buy, rehab, resell (70% rule, profit, ROI). hold: rental metrics plus a multi-year exit projection (appreciation, principal paydown, equity multiple).'}, 'assumptions': {'type': 'object', 'properties': {'arv': {'type': 'number', 'description': 'After-repair value in USD (flip). Default: the RentCast value estimate.', 'exclusiveMinimum': 0}, 'capex_pct': {'type': 'number', 'maximum': 0.3, 'minimum': 0, 'description': 'Capital reserves as a fraction of gross rent. Default 0.05.'}, 'hold_years': {'type': 'integer', 'maximum': 30, 'minimum': 1, 'description': 'Years held before sale (hold). Default 5.'}, 'hoa_monthly': {'type': 'number', 'minimum': 0, 'description': 'Monthly HOA dues in USD. Default: RentCast HOA fee, else 0.'}, 'vacancy_pct': {'type': 'number', 'maximum': 0.5, 'minimum': 0, 'description': 'Vacancy and credit loss as a fraction of gross rent. Default 0.05.'}, 'monthly_rent': {'type': 'number', 'description': 'Expected monthly rent in USD. Default: the RentCast long-term rent estimate.', 'exclusiveMinimum': 0}, 'rehab_budget': {'type': 'number', 'minimum': 0, 'description': 'Renovation budget in USD, paid in cash at purchase. Default 0.'}, 'interest_rate': {'type': 'number', 'maximum': 0.3, 'minimum': 0, 'description': 'Annual note rate as a fraction, e.g. 0.07. Default 0.07.'}, 'holding_months': {'type': 'integer', 'maximum': 36, 'minimum': 1, 'description': 'Months from purchase to resale (flip). Default 6.'}, 'management_pct': {'type': 'number', 'maximum': 0.3, 'minimum': 0, 'description': 'Property management as a fraction of gross rent. Default 0.08.'}, 'purchase_price': {'type': 'number', 'description': 'Offer or purchase price in USD. Default: the RentCast value estimate (AVM).', 'exclusiveMinimum': 0}, 'loan_term_years': {'type': 'integer', 'maximum': 40, 'minimum': 1, 'description': 'Default 30.'}, 'maintenance_pct': {'type': 'number', 'maximum': 0.3, 'minimum': 0, 'description': 'Repairs as a fraction of gross rent. Default 0.05.'}, 'rent_growth_pct': {'type': 'number', 'maximum': 0.3, 'minimum': -0.2, 'description': 'Annual rent growth (hold). Default 0.02.'}, 'appreciation_pct': {'type': 'number', 'maximum': 0.3, 'minimum': -0.2, 'description': 'Annual value growth (hold). Default 0.03.'}, 'down_payment_pct': {'type': 'number', 'maximum': 1, 'minimum': 0, 'description': 'Down payment as a fraction of price. Default 0.25. 1 = all cash.'}, 'insurance_annual': {'type': 'number', 'minimum': 0, 'description': 'Annual landlord insurance in USD. Default 0.5% of price.'}, 'closing_costs_pct': {'type': 'number', 'maximum': 0.15, 'minimum': 0, 'description': 'Buyer closing costs as a fraction of price. Default 0.03.'}, 'selling_costs_pct': {'type': 'number', 'maximum': 0.15, 'minimum': 0, 'description': 'Commissions and closing at sale as a fraction of sale price. Default 0.06.'}, 'property_tax_annual': {'type': 'number', 'minimum': 0, 'description': 'Annual property tax in USD. Default: latest RentCast tax record, else 1.1% of price.'}}, 'description': 'Underwriting assumptions. Every field is optional; omitted fields use the documented defaults.'}}, 'additionalProperties': False}

{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'required': ['data', 'sources', 'as_of', 'confidence', 'notice', 'sample'], 'properties': {'data': {'type': 'object', 'required': ['address', 'strategy', 'property', 'owner', 'avm', 'rent_estimate', 'comps', 'rent_comps', 'cap_rate', 'cash_on_cash', 'dscr', 'red_flags', 'underwriting', 'memo', 'memo_status'], 'properties': {'avm': {'type': 'object', 'required': ['value', 'range'], 'properties': {'range': {'type': 'object', 'required': ['low', 'high'], 'properties': {'low': {'type': 'number'}, 'high': {'type': 'number'}}, 'additionalProperties': False}, 'value': {'type': 'number'}}, 'additionalProperties': False}, 'dscr': {'type': ['number', 'null']}, 'memo': {'type': ['string', 'null'], 'description': 'one-paragraph analyst memo'}, 'comps': {'type': 'array', 'items': {'type': 'object', 'required': ['address', 'price', 'bedrooms', 'bathrooms', 'square_footage', 'year_built', 'property_type', 'distance_miles', 'days_old', 'correlation', 'listing_type', 'status'], 'properties': {'price': {'type': 'number', 'description': 'sale price for value comps; monthly rent for rent comps'}, 'status': {'type': ['string', 'null']}, 'address': {'type': 'string'}, 'bedrooms': {'type': ['number', 'null']}, 'days_old': {'type': ['number', 'null'], 'description': 'days since the comp was last seen on market'}, 'bathrooms': {'type': ['number', 'null']}, 'year_built': {'type': ['number', 'null']}, 'correlation': {'type': ['number', 'null'], 'description': 'RentCast similarity 0..1'}, 'listing_type': {'type': ['string', 'null']}, 'property_type': {'type': ['string', 'null']}, 'distance_miles': {'type': ['number', 'null']}, 'square_footage': {'type': ['number', 'null']}}, 'additionalProperties': False}, 'description': 'sale comps behind the value estimate, best match first'}, 'owner': {'anyOf': [{'type': 'object', 'required': ['names', 'type', 'occupied', 'mailing_address'], 'properties': {'type': {'type': ['string', 'null'], 'description': 'Individual or Organization'}, 'names': {'type': 'array', 'items': {'type': 'string'}}, 'occupied': {'type': ['boolean', 'null']}, 'mailing_address': {'type': ['string', 'null']}}, 'additionalProperties': False}, {'type': 'null'}]}, 'address': {'type': 'string'}, 'cap_rate': {'type': 'number'}, 'property': {'type': 'object', 'required': ['rentcast_id', 'address', 'location', 'property_type', 'bedrooms', 'bathrooms', 'square_footage', 'lot_size_sqft', 'year_built', 'zoning', 'hoa_monthly', 'last_sale', 'tax', 'assessment', 'owner', 'history'], 'properties': {'tax': {'anyOf': [{'type': 'object', 'required': ['year', 'annual_total'], 'properties': {'year': {'type': 'number'}, 'annual_total': {'type': 'number'}}, 'additionalProperties': False}, {'type': 'null'}]}, 'owner': {'anyOf': [{'type': 'object', 'required': ['names', 'type', 'occupied', 'mailing_address'], 'properties': {'type': {'type': ['string', 'null'], 'description': 'Individual or Organization'}, 'names': {'type': 'array', 'items': {'type': 'string'}}, 'occupied': {'type': ['boolean', 'null']}, 'mailing_address': {'type': ['string', 'null']}}, 'additionalProperties': False}, {'type': 'null'}]}, 'zoning': {'type': ['string', 'null']}, 'address': {'type': 'object', 'required': ['formatted', 'line1', 'city', 'state', 'zip', 'county'], 'properties': {'zip': {'type': ['string', 'null']}, 'city': {'type': ['string', 'null']}, 'line1': {'type': ['string', 'null']}, 'state': {'type': ['string', 'null']}, 'county': {'type': ['string', 'null']}, 'formatted': {'type': 'string'}}, 'additionalProperties': False}, 'history': {'type': 'array', 'items': {'type': 'object', 'required': ['date', 'event', 'price'], 'properties': {'date': {'type': 'string'}, 'event': {'type': 'string'}, 'price': {'type': ['number', 'null']}}, 'additionalProperties': False}}, 'bedrooms': {'type': ['number', 'null']}, 'location': {'anyOf': [{'type': 'object', 'required': ['latitude', 'longitude'], 'properties': {'latitude': {'type': 'number'}, 'longitude': {'type': 'number'}}, 'additionalProperties': False}, {'type': 'null'}]}, 'bathrooms': {'type': ['number', 'null']}, 'last_sale': {'anyOf': [{'type': 'object', 'required': ['date', 'price'], 'properties': {'date': {'type': 'string'}, 'price': {'type': ['number', 'null']}}, 'additionalProperties': False}, {'type': 'null'}]}, 'assessment': {'anyOf': [{'type': 'object', 'required': ['year', 'value', 'land', 'improvements'], 'properties': {'land': {'type': ['number', 'null']}, 'year': {'type': 'number'}, 'value': {'type': 'number'}, 'improvements': {'type': ['number', 'null']}}, 'additionalProperties': False}, {'type': 'null'}]}, 'year_built': {'type': ['number', 'null']}, 'hoa_monthly': {'type': ['number', 'null']}, 'rentcast_id': {'type': 'string'}, 'lot_size_sqft': {'type': ['number', 'null']}, 'property_type': {'type': ['string', 'null']}, 'square_footage': {'type': ['number', 'null']}}, 'additionalProperties': False}, 'strategy': {'enum': ['rental', 'flip', 'hold'], 'type': 'string', 'description': 'rental: buy and rent out (NOI, cap rate, cash-on-cash, DSCR). flip: buy, rehab, resell (70% rule, profit, ROI). hold: rental metrics plus a multi-year exit projection (appreciation, principal paydown, equity multiple).'}, 'red_flags': {'type': 'array', 'items': {'type': 'object', 'required': ['code', 'severity', 'detail'], 'properties': {'code': {'type': 'string'}, 'detail': {'type': 'string'}, 'severity': {'enum': ['high', 'medium', 'low'], 'type': 'string'}}, 'additionalProperties': False}}, 'rent_comps': {'type': 'array', 'items': {'type': 'object', 'required': ['address', 'price', 'bedrooms', 'bathrooms', 'square_footage', 'year_built', 'property_type', 'distance_miles', 'days_old', 'correlation', 'listing_type', 'status'], 'properties': {'price': {'type': 'number', 'description': 'sale price for value comps; monthly rent for rent comps'}, 'status': {'type': ['string', 'null']}, 'address': {'type': 'string'}, 'bedrooms': {'type': ['number', 'null']}, 'days_old': {'type': ['number', 'null'], 'description': 'days since the comp was last seen on market'}, 'bathrooms': {'type': ['number', 'null']}, 'year_built': {'type': ['number', 'null']}, 'correlation': {'type': ['number', 'null'], 'description': 'RentCast similarity 0..1'}, 'listing_type': {'type': ['string', 'null']}, 'property_type': {'type': ['string', 'null']}, 'distance_miles': {'type': ['number', 'null']}, 'square_footage': {'type': ['number', 'null']}}, 'additionalProperties': False}, 'description': 'rental comps behind the rent estimate'}, 'memo_status': {'type': 'object', 'required': ['status', 'model', 'cost_usd', 'reason'], 'properties': {'model': {'type': ['string', 'null']}, 'reason': {'type': ['string', 'null']}, 'status': {'enum': ['generated', 'cached', 'template', 'skipped'], 'type': 'string', 'description': 'generated: fresh LLM paragraph; cached: identical request served from the LLM cache; template: deterministic paragraph (sample mode, LLM disabled or LLM error); skipped: memo=false'}, 'cost_usd': {'type': 'number'}}, 'additionalProperties': False}, 'cash_on_cash': {'type': ['number', 'null']}, 'underwriting': {'type': 'object', 'required': ['strategy', 'inputs', 'income', 'expenses', 'noi', 'financing', 'cash_invested', 'metrics', 'flip', 'hold', 'red_flags', 'screen'], 'properties': {'noi': {'type': 'number'}, 'flip': {'anyOf': [{'type': 'object', 'required': ['arv', 'max_offer_70_rule', 'passes_70_rule', 'holding_costs', 'selling_costs', 'total_cost', 'profit', 'cash_in_deal', 'roi_on_cash', 'annualized_roi'], 'properties': {'arv': {'type': 'number'}, 'profit': {'type': 'number'}, 'total_cost': {'type': 'number'}, 'roi_on_cash': {'type': ['number', 'null']}, 'cash_in_deal': {'type': 'number'}, 'holding_costs': {'type': 'number'}, 'selling_costs': {'type': 'number'}, 'annualized_roi': {'type': ['number', 'null']}, 'passes_70_rule': {'type': 'boolean'}, 'max_offer_70_rule': {'type': 'number'}}, 'additionalProperties': False}, {'type': 'null'}]}, 'hold': {'anyOf': [{'type': 'object', 'required': ['years', 'projected_value', 'remaining_loan_balance', 'equity_at_exit', 'cumulative_cash_flow', 'total_profit', 'equity_multiple', 'annualized_return'], 'properties': {'years': {'type': 'number'}, 'total_profit': {'type': 'number'}, 'equity_at_exit': {'type': 'number'}, 'equity_multiple': {'type': ['number', 'null']}, 'projected_value': {'type': 'number'}, 'annualized_return': {'type': ['number', 'null']}, 'cumulative_cash_flow': {'type': 'number'}, 'remaining_loan_balance': {'type': 'number'}}, 'additionalProperties': False}, {'type': 'null'}]}, 'income': {'type': 'object', 'required': ['gross_scheduled_rent', 'vacancy_loss', 'effective_gross_income'], 'properties': {'vacancy_loss': {'type': 'number'}, 'gross_scheduled_rent': {'type': 'number'}, 'effective_gross_income': {'type': 'number'}}, 'additionalProperties': False}, 'inputs': {'type': 'object', 'required': ['purchase_price', 'monthly_rent', 'down_payment_pct', 'interest_rate', 'loan_term_years', 'closing_costs_pct', 'vacancy_pct', 'management_pct', 'maintenance_pct', 'capex_pct', 'insurance_annual', 'property_tax_annual', 'hoa_monthly', 'rehab_budget', 'arv', 'holding_months', 'selling_costs_pct', 'appreciation_pct', 'rent_growth_pct', 'hold_years', 'defaults_used'], 'properties': {'arv': {'type': 'number'}, 'capex_pct': {'type': 'number'}, 'hold_years': {'type': 'number'}, 'hoa_monthly': {'type': 'number'}, 'vacancy_pct': {'type': 'number'}, 'monthly_rent': {'type': 'number'}, 'rehab_budget': {'type': 'number'}, 'defaults_used': {'type': 'array', 'items': {'type': 'string'}}, 'interest_rate': {'type': 'number'}, 'holding_months': {'type': 'number'}, 'management_pct': {'type': 'number'}, 'purchase_price': {'type': 'number'}, 'loan_term_years': {'type': 'number'}, 'maintenance_pct': {'type': 'number'}, 'rent_growth_pct': {'type': 'number'}, 'appreciation_pct': {'type': 'number'}, 'down_payment_pct': {'type': 'number'}, 'insurance_annual': {'type': 'number'}, 'closing_costs_pct': {'type': 'number'}, 'selling_costs_pct': {'type': 'number'}, 'property_tax_annual': {'type': 'number'}}, 'additionalProperties': False}, 'screen': {'type': 'object', 'required': ['result', 'rule'], 'properties': {'rule': {'type': 'string'}, 'result': {'enum': ['pass', 'review', 'fail'], 'type': 'string'}}, 'additionalProperties': False}, 'metrics': {'type': 'object', 'required': ['cap_rate', 'cash_on_cash', 'dscr', 'grm', 'rent_to_price', 'break_even_occupancy', 'annual_cash_flow', 'monthly_cash_flow'], 'properties': {'grm': {'type': 'number'}, 'dscr': {'type': ['number', 'null'], 'description': 'null when all cash'}, 'cap_rate': {'type': 'number'}, 'cash_on_cash': {'type': ['number', 'null'], 'description': 'null when no cash is invested'}, 'rent_to_price': {'type': 'number'}, 'annual_cash_flow': {'type': 'number'}, 'monthly_cash_flow': {'type': 'number'}, 'break_even_occupancy': {'type': 'number'}}, 'additionalProperties': False}, 'expenses': {'type': 'object', 'required': ['property_tax', 'insurance', 'hoa', 'management', 'maintenance', 'capex', 'total_operating'], 'properties': {'hoa': {'type': 'number'}, 'capex': {'type': 'number'}, 'insurance': {'type': 'number'}, 'management': {'type': 'number'}, 'maintenance': {'type': 'number'}, 'property_tax': {'type': 'number'}, 'total_operating': {'type': 'number'}}, 'additionalProperties': False}, 'strategy': {'enum': ['rental', 'flip', 'hold'], 'type': 'string', 'description': 'rental: buy and rent out (NOI, cap rate, cash-on-cash, DSCR). flip: buy, rehab, resell (70% rule, profit, ROI). hold: rental metrics plus a multi-year exit projection (appreciation, principal paydown, equity multiple).'}, 'financing': {'anyOf': [{'type': 'object', 'required': ['loan_amount', 'ltv', 'monthly_payment', 'annual_debt_service'], 'properties': {'ltv': {'type': 'number'}, 'loan_amount': {'type': 'number'}, 'monthly_payment': {'type': 'number'}, 'annual_debt_service': {'type': 'number'}}, 'additionalProperties': False}, {'type': 'null'}], 'description': 'null when all cash'}, 'red_flags': {'type': 'array', 'items': {'type': 'object', 'required': ['code', 'severity', 'detail'], 'properties': {'code': {'type': 'string'}, 'detail': {'type': 'string'}, 'severity': {'enum': ['high', 'medium', 'low'], 'type': 'string'}}, 'additionalProperties': False}}, 'cash_invested': {'type': 'object', 'required': ['down_payment', 'closing_costs', 'rehab', 'total'], 'properties': {'rehab': {'type': 'number'}, 'total': {'type': 'number'}, 'down_payment': {'type': 'number'}, 'closing_costs': {'type': 'number'}}, 'additionalProperties': False}}, 'additionalProperties': False}, 'rent_estimate': {'type': 'object', 'required': ['monthly_rent', 'range'], 'properties': {'range': {'type': 'object', 'required': ['low', 'high'], 'properties': {'low': {'type': 'number'}, 'high': {'type': 'number'}}, 'additionalProperties': False}, 'monthly_rent': {'type': 'number'}}, 'additionalProperties': False}}, 'additionalProperties': False}, 'as_of': {'type': 'string', 'description': 'ISO time of the oldest upstream data point in this response'}, 'notice': {'type': 'string', 'description': 'liability disclaimer; always present'}, 'sample': {'type': 'boolean', 'description': 'true when this is the free example, not a live lookup'}, 'sources': {'type': 'array', 'items': {'type': 'object', 'required': ['name', 'endpoint', 'url', 'fetched_at', 'cached'], 'properties': {'url': {'type': 'string'}, 'name': {'type': 'string', 'const': 'RentCast'}, 'cached': {'type': 'boolean'}, 'endpoint': {'type': 'string'}, 'fetched_at': {'type': 'string'}}, 'additionalProperties': False}}, 'confidence': {'type': 'object', 'required': ['level', 'score', 'factors'], 'properties': {'level': {'enum': ['high', 'medium', 'low'], 'type': 'string'}, 'score': {'type': 'number', 'description': '0..1'}, 'factors': {'type': 'array', 'items': {'type': 'string'}, 'description': 'what lowered the score'}}, 'additionalProperties': False}}, 'additionalProperties': False}

{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'properties': {'kind': {'enum': ['property', 'value', 'rent'], 'type': 'string', 'default': 'property', 'description': 'property: characteristics, owner, last sale, taxes, HOA. value: automated value estimate with range and sale comps. rent: long-term rent estimate with range and rental comps.'}, 'sample': {'type': 'boolean', 'default': False, 'description': 'Set true to return an example response at no charge (sample mode). Default false.'}, 'address': {'type': 'string', 'maxLength': 200, 'minLength': 1, 'description': 'Full US street address: number, street, city, state, zip (e.g. 1547 Example Ave, Cleveland, OH 44109). Required unless sample=true.'}}, 'additionalProperties': False}

{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'required': ['data', 'sources', 'as_of', 'confidence', 'notice', 'sample'], 'properties': {'data': {'type': 'object', 'required': ['address', 'kind', 'property', 'value', 'rent'], 'properties': {'kind': {'enum': ['property', 'value', 'rent'], 'type': 'string', 'description': 'property: characteristics, owner, last sale, taxes, HOA. value: automated value estimate with range and sale comps. rent: long-term rent estimate with range and rental comps.'}, 'rent': {'anyOf': [{'type': 'object', 'required': ['monthly_rent', 'range', 'comps'], 'properties': {'comps': {'type': 'array', 'items': {'type': 'object', 'required': ['address', 'price', 'bedrooms', 'bathrooms', 'square_footage', 'year_built', 'property_type', 'distance_miles', 'days_old', 'correlation', 'listing_type', 'status'], 'properties': {'price': {'type': 'number', 'description': 'sale price for value comps; monthly rent for rent comps'}, 'status': {'type': ['string', 'null']}, 'address': {'type': 'string'}, 'bedrooms': {'type': ['number', 'null']}, 'days_old': {'type': ['number', 'null'], 'description': 'days since the comp was last seen on market'}, 'bathrooms': {'type': ['number', 'null']}, 'year_built': {'type': ['number', 'null']}, 'correlation': {'type': ['number', 'null'], 'description': 'RentCast similarity 0..1'}, 'listing_type': {'type': ['string', 'null']}, 'property_type': {'type': ['string', 'null']}, 'distance_miles': {'type': ['number', 'null']}, 'square_footage': {'type': ['number', 'null']}}, 'additionalProperties': False}}, 'range': {'type': 'object', 'required': ['low', 'high'], 'properties': {'low': {'type': 'number'}, 'high': {'type': 'number'}}, 'additionalProperties': False}, 'monthly_rent': {'type': 'number'}}, 'additionalProperties': False}, {'type': 'null'}]}, 'value': {'anyOf': [{'type': 'object', 'required': ['value', 'range', 'comps'], 'properties': {'comps': {'type': 'array', 'items': {'type': 'object', 'required': ['address', 'price', 'bedrooms', 'bathrooms', 'square_footage', 'year_built', 'property_type', 'distance_miles', 'days_old', 'correlation', 'listing_type', 'status'], 'properties': {'price': {'type': 'number', 'description': 'sale price for value comps; monthly rent for rent comps'}, 'status': {'type': ['string', 'null']}, 'address': {'type': 'string'}, 'bedrooms': {'type': ['number', 'null']}, 'days_old': {'type': ['number', 'null'], 'description': 'days since the comp was last seen on market'}, 'bathrooms': {'type': ['number', 'null']}, 'year_built': {'type': ['number', 'null']}, 'correlation': {'type': ['number', 'null'], 'description': 'RentCast similarity 0..1'}, 'listing_type': {'type': ['string', 'null']}, 'property_type': {'type': ['string', 'null']}, 'distance_miles': {'type': ['number', 'null']}, 'square_footage': {'type': ['number', 'null']}}, 'additionalProperties': False}}, 'range': {'type': 'object', 'required': ['low', 'high'], 'properties': {'low': {'type': 'number'}, 'high': {'type': 'number'}}, 'additionalProperties': False}, 'value': {'type': 'number'}}, 'additionalProperties': False}, {'type': 'null'}]}, 'address': {'type': 'string'}, 'property': {'anyOf': [{'type': 'object', 'required': ['rentcast_id', 'address', 'location', 'property_type', 'bedrooms', 'bathrooms', 'square_footage', 'lot_size_sqft', 'year_built', 'zoning', 'hoa_monthly', 'last_sale', 'tax', 'assessment', 'owner', 'history'], 'properties': {'tax': {'anyOf': [{'type': 'object', 'required': ['year', 'annual_total'], 'properties': {'year': {'type': 'number'}, 'annual_total': {'type': 'number'}}, 'additionalProperties': False}, {'type': 'null'}]}, 'owner': {'anyOf': [{'type': 'object', 'required': ['names', 'type', 'occupied', 'mailing_address'], 'properties': {'type': {'type': ['string', 'null'], 'description': 'Individual or Organization'}, 'names': {'type': 'array', 'items': {'type': 'string'}}, 'occupied': {'type': ['boolean', 'null']}, 'mailing_address': {'type': ['string', 'null']}}, 'additionalProperties': False}, {'type': 'null'}]}, 'zoning': {'type': ['string', 'null']}, 'address': {'type': 'object', 'required': ['formatted', 'line1', 'city', 'state', 'zip', 'county'], 'properties': {'zip': {'type': ['string', 'null']}, 'city': {'type': ['string', 'null']}, 'line1': {'type': ['string', 'null']}, 'state': {'type': ['string', 'null']}, 'county': {'type': ['string', 'null']}, 'formatted': {'type': 'string'}}, 'additionalProperties': False}, 'history': {'type': 'array', 'items': {'type': 'object', 'required': ['date', 'event', 'price'], 'properties': {'date': {'type': 'string'}, 'event': {'type': 'string'}, 'price': {'type': ['number', 'null']}}, 'additionalProperties': False}}, 'bedrooms': {'type': ['number', 'null']}, 'location': {'anyOf': [{'type': 'object', 'required': ['latitude', 'longitude'], 'properties': {'latitude': {'type': 'number'}, 'longitude': {'type': 'number'}}, 'additionalProperties': False}, {'type': 'null'}]}, 'bathrooms': {'type': ['number', 'null']}, 'last_sale': {'anyOf': [{'type': 'object', 'required': ['date', 'price'], 'properties': {'date': {'type': 'string'}, 'price': {'type': ['number', 'null']}}, 'additionalProperties': False}, {'type': 'null'}]}, 'assessment': {'anyOf': [{'type': 'object', 'required': ['year', 'value', 'land', 'improvements'], 'properties': {'land': {'type': ['number', 'null']}, 'year': {'type': 'number'}, 'value': {'type': 'number'}, 'improvements': {'type': ['number', 'null']}}, 'additionalProperties': False}, {'type': 'null'}]}, 'year_built': {'type': ['number', 'null']}, 'hoa_monthly': {'type': ['number', 'null']}, 'rentcast_id': {'type': 'string'}, 'lot_size_sqft': {'type': ['number', 'null']}, 'property_type': {'type': ['string', 'null']}, 'square_footage': {'type': ['number', 'null']}}, 'additionalProperties': False}, {'type': 'null'}]}}, 'additionalProperties': False}, 'as_of': {'type': 'string', 'description': 'ISO time of the oldest upstream data point in this response'}, 'notice': {'type': 'string', 'description': 'liability disclaimer; always present'}, 'sample': {'type': 'boolean', 'description': 'true when this is the free example, not a live lookup'}, 'sources': {'type': 'array', 'items': {'type': 'object', 'required': ['name', 'endpoint', 'url', 'fetched_at', 'cached'], 'properties': {'url': {'type': 'string'}, 'name': {'type': 'string', 'const': 'RentCast'}, 'cached': {'type': 'boolean'}, 'endpoint': {'type': 'string'}, 'fetched_at': {'type': 'string'}}, 'additionalProperties': False}}, 'confidence': {'type': 'object', 'required': ['level', 'score', 'factors'], 'properties': {'level': {'enum': ['high', 'medium', 'low'], 'type': 'string'}, 'score': {'type': 'number', 'description': '0..1'}, 'factors': {'type': 'array', 'items': {'type': 'string'}, 'description': 'what lowered the score'}}, 'additionalProperties': False}}, 'additionalProperties': False}