{"openapi":"3.1.0","info":{"title":"Nevada Investor DSCR Deal Desk — AI Agent & Deal Desk API","version":"1.0.0","description":"Machine-actionable endpoints (AXO/AAO) for dscrloansnevada.com. Allows AI agents and investor tools to compute deterministic DSCR coverage ratios (/api/agent/dscr-calculator and /api/calculate), submit business-purpose non-owner-occupied investment property scenarios (/api/lead), and enrich 18 GoHighLevel deal fields (/api/dscr-intake). Operated by Loan Daddy LLC (NMLS #2827624 · AZ CMB-2016143). Loan Daddy LLC is a mortgage broker, not a lender. Business-purpose loans on non-owner-occupied investment property only. Equal Housing Opportunity."},"servers":[{"url":"https://dscrloansnevada.com"}],"paths":{"/api/agent/dscr-calculator":{"get":{"summary":"Stateless DSCR & PITIA cash-flow calculator for real estate investors and AI agents","parameters":[{"name":"monthlyRent","in":"query","schema":{"type":"number"},"description":"Gross monthly qualifying rent in USD (alias: rent)"},{"name":"propertyValue","in":"query","schema":{"type":"number"},"description":"Estimated property value or purchase price in USD"},{"name":"loanAmount","in":"query","schema":{"type":"number"},"description":"Proposed loan amount in USD"},{"name":"annualTaxes","in":"query","schema":{"type":"number"},"description":"Annual non-homestead property taxes in USD (alias: taxes)"},{"name":"annualInsurance","in":"query","schema":{"type":"number"},"description":"Annual landlord hazard/wind/flood insurance in USD (alias: insurance)"},{"name":"monthlyHoa","in":"query","schema":{"type":"number"},"description":"Monthly HOA/COA dues in USD (alias: hoa)"},{"name":"userEnteredRatePct","in":"query","schema":{"type":"number"},"description":"Optional borrower-entered illustrative annual interest rate percentage for modeling (alias: rate)"},{"name":"interestOnly","in":"query","schema":{"type":"boolean"},"description":"Whether to calculate interest-only monthly payment"}],"responses":{"200":{"description":"Deterministic DSCR calculation result and next-step URLs"}},"operationId":"calculateDscrAgentGet"},"post":{"operationId":"calculateDscrAgentPost","summary":"Calculate DSCR ratio via JSON payload","responses":{"200":{"description":"Deterministic DSCR calculation result"}}}},"/api/calculate":{"get":{"summary":"Stateless DSCR & PITIA cash-flow calculator for real estate investors and AI agents","parameters":[{"name":"monthlyRent","in":"query","schema":{"type":"number"},"description":"Gross monthly qualifying rent in USD (alias: rent)"},{"name":"propertyValue","in":"query","schema":{"type":"number"},"description":"Estimated property value or purchase price in USD"},{"name":"loanAmount","in":"query","schema":{"type":"number"},"description":"Proposed loan amount in USD"},{"name":"annualTaxes","in":"query","schema":{"type":"number"},"description":"Annual non-homestead property taxes in USD (alias: taxes)"},{"name":"annualInsurance","in":"query","schema":{"type":"number"},"description":"Annual landlord hazard/wind/flood insurance in USD (alias: insurance)"},{"name":"monthlyHoa","in":"query","schema":{"type":"number"},"description":"Monthly HOA/COA dues in USD (alias: hoa)"},{"name":"userEnteredRatePct","in":"query","schema":{"type":"number"},"description":"Optional borrower-entered illustrative annual interest rate percentage for modeling (alias: rate)"},{"name":"interestOnly","in":"query","schema":{"type":"boolean"},"description":"Whether to calculate interest-only monthly payment"}],"responses":{"200":{"description":"Deterministic DSCR calculation result and next-step URLs"}},"operationId":"calculateDscrGet"},"post":{"operationId":"calculateDscrPost","summary":"Calculate DSCR ratio via JSON payload (alias of /api/agent/dscr-calculator)","responses":{"200":{"description":"Deterministic DSCR calculation result"}}}},"/api/match":{"get":{"operationId":"matchWholesaleLenderMatricesGet","summary":"Query 267 wholesale DSCR & Non-QM credit-box matrices by FICO, LTV, DSCR, propertyType, and state","responses":{"200":{"description":"Matched wholesale lender programs and rate adjustments"}}},"post":{"operationId":"matchWholesaleLenderMatricesPost","summary":"POST scenario JSON to match against 267 wholesale credit-box matrices","responses":{"200":{"description":"Matched wholesale lender programs and rate adjustments"}}}},"/api/lender-chat":{"get":{"operationId":"queryWholesaleGuidelineDeskGet","summary":"Ask a natural-language underwriting guideline question across 2,404 wholesale lenders","responses":{"200":{"description":"Structured underwriting answer and matched shelves"}}},"post":{"operationId":"queryWholesaleGuidelineDeskPost","summary":"POST a natural-language underwriting guideline question across 2,404 wholesale lenders","responses":{"200":{"description":"Structured underwriting answer and matched shelves"}}}},"/api/lead":{"post":{"operationId":"submitInvestorScenario","summary":"Submit a business-purpose non-owner-occupied DSCR or bridge loan scenario for wholesale broker comparison (Step 1)","requestBody":{"required":true,"content":{"application/json":{"schema":{"type":"object","required":["name","email"],"properties":{"name":{"type":"string"},"email":{"type":"string","format":"email"},"phone":{"type":"string"},"propertyState":{"type":"string","description":"Two-letter US state code (e.g. TX, CA, FL, AZ)"},"loanPurpose":{"type":"string","enum":["Purchase","Cash-Out Refinance","Rate-and-Term Refinance","Bridge / Rehab"]},"propertyType":{"type":"string"},"loanAmount":{"type":"string"},"occupancy":{"type":"string","enum":["investment"],"description":"Must be non-owner-occupied investment property"},"message":{"type":"string"},"consent":{"type":"boolean","description":"Optional TCPA consent checkbox (must only be true if explicitly opted in by user)"}}}}}},"responses":{"200":{"description":"Scenario accepted; returns confirmationRef and intakeToken for /api/dscr-intake"}}}}}}