Quickstart

Quickstart

Base URL: https://api.plantedmoney.ai. Reads need no key in the public beta; the limit is 30 calls/min per IP (auth). Full schema: /api/openapi.json.

1. Is it up, and how fresh

curl https://api.plantedmoney.ai/api/health

Returns ok plus binding checks (d1, kv), last_run (kind, finished, found, new_count), active_listings, and stale_model_rows (rows scored by an older model version). Listings refresh daily at 13:00 UTC; if last_run is older than ~24 h, the run failed.

2. Tract intelligence (the free tier)

curl https://api.plantedmoney.ai/api/tracts/chicago

Returns {vintage, count, tracts[]} — 1,492 Cook + Lake census tracts with every metric behind the map: flip/BRRRR scores, effective tax, reassessment shock, Section-8 gap, and the rest (data sources has definitions and vintages). Cached 1 h.

3. Scored listings

curl https://api.plantedmoney.ai/api/listings/chicago

Top 200 active listings by deal_score, deduped by address. deal_score: null means unscored (no valuation basis) — never a fake 0. Each row carries arv, offer, motivation, and model_version.

4. Underwrite a point

curl "https://api.plantedmoney.ai/api/underwrite?lat=41.9243&lon=-87.7169&price=500000&units=2"

That is a Logan Square 2-flat at $500k. The response is one valuation object:

• tract — geoid, muni, flip/BRRRR scores, effective tax, SAFMR 2BR, reassessment status
• arv_source — "real comps (N sales, conf C)" when live comps clear the gates (similarity ≥ 0.45, ≥ 4 comps, dispersion ≤ 45%, confidence ≥ 55), else "tract heuristic"
• comp_arv — base/conservative/aggressive plus the comps used; absent when the gates refuse
• risk — separate 0–100 score, band, and flags with reasons
• underwrite — ARV, both offers, DSCR, economics_factor, and the full assumptions block
• read — a one-sentence verdict

This exact point is the audit probe that returned ARV $1.37M before the 2026-07 comp guards; today a mixed-condition comp set gets refused (“insufficient comps”) instead of averaged. Every response also carries the disclosure verbatim:

Automated valuation model — not an appraisal. Median ARV miss 20.1% (/api/metrics/scorecard). Not for tenant screening or credit decisions (FCRA).

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