dealcheck: US property deal-check

Deprecated: use ziplot_deal_check. Public-record due-diligence facts for a US residential address. Any US address: FEMA flood zone at the geocoded point, HUD FY2026 Small Area FMR (or area FMR) by bedrooms, and a property-tax estimate: official rates in Nashville (Metro rate), Denver (levy by tax district), Chicago (Cook County tax code) and Maricopa County cities (tax area code), elsewhere a rough county-level estimate from Census ACS, labeled as such. Zoning or address-level eligibility plus short-term-rental (STR) rules (coverage level "full"): Nashville / Davidson County, TN; Denver (City and County), CO; Scottsdale (city limits), AZ; Chicago (city limits), IL; New York City (five boroughs), NY; Austin (full- and limited-purpose city), TX; Boise (City of Boise and unincorporated Ada County), ID; Miami (City of Miami, Miami Beach, unincorporated Miami-Dade), FL; Orlando (City of Orlando and unincorporated Orange County), FL; San Diego (City of San Diego), CA. City-wide STR rules plus an address-level permit lookup ("partial"): Phoenix (city limits), AZ; Tempe (city limits), AZ. 59 more cities, counties and resort areas get STR rules and taxes only, with no zoning or per-address check ("rules_only"). The current market list with levels and verified dates: GET /v1/coverage; str.granularity in each answer says which applies. Elsewhere zoning/STR return not_covered. Every value carries a source and as-of date. HOA/deed restrictions are not checked. Informational only; not legal/tax/insurance/lending advice. Ziplot tool (original name kept for compatibility; ziplot_deal_check is the same tool). Status values. Top-level status: ok = every evaluated section answered; needs_review = partial answer, at least one section needs a person or a retry (read each section's status and the warnings); unavailable = no section could be answered (address not found, or every source failed); out_of_scope = no evaluated section applies at this address. Section status uses the same words plus not_covered (this area is not evaluated). str.status follows the two permit determinations: new_non_owner_occupied_permit.value (allowed, not_allowed, needs_review, out_of_scope, not_covered, unavailable) and owner_occupied_permit.value (possible, not_allowed, needs_review, out_of_scope, not_covered, unavailable). Both firm = ok, one firm and one not = needs_review, none usable = unavailable. Exception: an owner_occupied_permit of possible that rests only on an active city STR license (owner_occupied_permit.basis.kind active_city_license, Denver and Scottsdale) is not a firm yes, so str.status stays needs_review there. str.supporting_data_status appears when side lookups such as permit counts or building lists were incomplete.

Public-record due-diligence facts for a US residential address. Any US address: FEMA flood zone at the geocoded point, HUD FY2026 Small Area FMR (or area FMR) by bedrooms, and a property-tax estimate: official rates in Nashville (Metro rate), Denver (levy by tax district), Chicago (Cook County tax code) and Maricopa County cities (tax area code), elsewhere a rough county-level estimate from Census ACS, labeled as such. Zoning or address-level eligibility plus short-term-rental (STR) rules (coverage level "full"): Nashville / Davidson County, TN; Denver (City and County), CO; Scottsdale (city limits), AZ; Chicago (city limits), IL; New York City (five boroughs), NY; Austin (full- and limited-purpose city), TX; Boise (City of Boise and unincorporated Ada County), ID; Miami (City of Miami, Miami Beach, unincorporated Miami-Dade), FL; Orlando (City of Orlando and unincorporated Orange County), FL; San Diego (City of San Diego), CA. City-wide STR rules plus an address-level permit lookup ("partial"): Phoenix (city limits), AZ; Tempe (city limits), AZ. 59 more cities, counties and resort areas get STR rules and taxes only, with no zoning or per-address check ("rules_only"). The current market list with levels and verified dates: GET /v1/coverage; str.granularity in each answer says which applies. Elsewhere zoning/STR return not_covered. Every value carries a source and as-of date. HOA/deed restrictions are not checked. Informational only; not legal/tax/insurance/lending advice. Same tool as nashville_deal_check. Status values. Top-level status: ok = every evaluated section answered; needs_review = partial answer, at least one section needs a person or a retry (read each section's status and the warnings); unavailable = no section could be answered (address not found, or every source failed); out_of_scope = no evaluated section applies at this address. Section status uses the same words plus not_covered (this area is not evaluated). str.status follows the two permit determinations: new_non_owner_occupied_permit.value (allowed, not_allowed, needs_review, out_of_scope, not_covered, unavailable) and owner_occupied_permit.value (possible, not_allowed, needs_review, out_of_scope, not_covered, unavailable). Both firm = ok, one firm and one not = needs_review, none usable = unavailable. Exception: an owner_occupied_permit of possible that rests only on an active city STR license (owner_occupied_permit.basis.kind active_city_license, Denver and Scottsdale) is not a firm yes, so str.status stays needs_review there. str.supporting_data_status appears when side lookups such as permit counts or building lists were incomplete.

Same public-record answer as ziplot_deal_check for a US address, plus a `deal` block: illustrative arithmetic on the inputs you give (monthly payment, monthly cash flow, NOI, cap rate, cash-on-cash, DSCR), with every input, its source (caller, default or deal-check), each assumption and each formula shown. price is required. rent defaults to the HUD Small Area FMR from deal-check and tax to the deal-check property-tax estimate at your price; rate and insurance have no default and their results are null until given. Defaults: 30-year term, 25% down, 3% closing costs, HOA 0, vacancy 8%, management 8% (an assumption; set 0 if you self-manage), maintenance 5%. Informational arithmetic on the inputs shown. Not financial, tax or legal advice. Status values. Top-level status: ok = every evaluated section answered; needs_review = partial answer, at least one section needs a person or a retry (read each section's status and the warnings); unavailable = no section could be answered (address not found, or every source failed); out_of_scope = no evaluated section applies at this address. Section status uses the same words plus not_covered (this area is not evaluated). str.status follows the two permit determinations: new_non_owner_occupied_permit.value (allowed, not_allowed, needs_review, out_of_scope, not_covered, unavailable) and owner_occupied_permit.value (possible, not_allowed, needs_review, out_of_scope, not_covered, unavailable). Both firm = ok, one firm and one not = needs_review, none usable = unavailable. Exception: an owner_occupied_permit of possible that rests only on an active city STR license (owner_occupied_permit.basis.kind active_city_license, Denver and Scottsdale) is not a firm yes, so str.status stays needs_review there. str.supporting_data_status appears when side lookups such as permit counts or building lists were incomplete.