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    "title": "Zillow to Airbnb Investment Calculator & STR Analysis",
    "description": "Analyze a Zillow listing as a short-term rental: comparable Airbnb rates, financing, and expenses projected into cap rate, cash flow, and break-even occupancy.",
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        "properties": {
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            "title": "Zillow listing URL",
            "type": "string",
            "description": "A single zillow.com/homedetails/... listing URL to analyze. Provide exactly one of zillowListingUrl or location."
          },
          "location": {
            "title": "Location (resolves one active listing)",
            "type": "string",
            "description": "City, state, or ZIP — if you don't have a specific listing URL yet, the Actor resolves one currently active Zillow listing in this area and analyzes it. Provide exactly one of zillowListingUrl or location."
          },
          "downPaymentPercent": {
            "title": "Down payment (%)",
            "minimum": 0,
            "maximum": 100,
            "type": "integer",
            "description": "Percent of purchase price paid as down payment.",
            "default": 20
          },
          "interestRatePercent": {
            "title": "Mortgage interest rate (%, annual)",
            "minimum": 0,
            "maximum": 25,
            "type": "number",
            "description": "Illustrative default — mortgage rates change; check current rates and adjust.",
            "default": 7
          },
          "loanTermYears": {
            "title": "Loan term (years)",
            "minimum": 1,
            "maximum": 40,
            "type": "integer",
            "description": "Amortization period used to calculate the monthly mortgage payment.",
            "default": 30
          },
          "closingCostsPercent": {
            "title": "Closing costs (% of price)",
            "minimum": 0,
            "maximum": 20,
            "type": "number",
            "description": "Illustrative default for total cash invested. Adjust to your market/lender.",
            "default": 2.5
          },
          "furnishingBudget": {
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            "minimum": 0,
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            "description": "One-time cost to furnish and set up the property for short-term rental. Not estimated — enter your own budget if you want it included in total cash invested.",
            "default": 0
          },
          "propertyTaxAnnual": {
            "title": "Annual property tax (USD, optional override)",
            "minimum": 0,
            "type": "integer",
            "description": "Leave blank to use Zillow's own reported tax rate for this listing when available. Property taxes vary enormously by state/county — there is no national default here. If Zillow doesn't report one and you leave this blank, property tax is marked unknown, not guessed."
          },
          "insuranceAnnual": {
            "title": "Annual insurance (USD)",
            "minimum": 0,
            "type": "integer",
            "description": "No default — insurance cost depends on location, coverage, and STR-specific policy requirements. Leave blank to mark unknown rather than guess."
          },
          "hoaMonthlyOverride": {
            "title": "Monthly HOA (USD, optional override)",
            "minimum": 0,
            "type": "integer",
            "description": "Leave blank to use Zillow's own reported HOA fee for this listing when available."
          },
          "managementFeePercent": {
            "title": "Property management fee (% of STR revenue)",
            "minimum": 0,
            "maximum": 50,
            "type": "number",
            "description": "Illustrative default for full-service STR management. Adjust to your actual arrangement, or set to 0 if self-managing.",
            "default": 15
          },
          "maintenanceReservePercent": {
            "title": "Maintenance/repairs reserve (% of STR revenue)",
            "minimum": 0,
            "maximum": 50,
            "type": "number",
            "description": "Illustrative default reserve for repairs and upkeep. Adjust to the property's age/condition.",
            "default": 8
          },
          "platformFeePercent": {
            "title": "Booking platform fee (% of STR revenue)",
            "minimum": 0,
            "maximum": 20,
            "type": "number",
            "description": "Illustrative default (Airbnb's typical host service fee). Adjust to your actual platform/fee tier — not a universal constant.",
            "default": 3
          },
          "utilitiesAnnual": {
            "title": "Annual utilities/other costs (USD)",
            "minimum": 0,
            "type": "integer",
            "description": "STR hosts typically cover utilities (power, water, internet), unlike long-term rentals. Defaults to 0, which assumes no utility cost — enter your own annual estimate to include it in the expense basis.",
            "default": 0
          },
          "conservativeOccupancyPercent": {
            "title": "Conservative scenario occupancy (%)",
            "minimum": 0,
            "maximum": 100,
            "type": "integer",
            "description": "An illustrative, user-adjustable assumption — not a market occupancy estimate or prediction. Paired with the Airbnb comparable set's 25th-percentile nightly rate.",
            "default": 40
          },
          "baseOccupancyPercent": {
            "title": "Base scenario occupancy (%)",
            "minimum": 0,
            "maximum": 100,
            "type": "integer",
            "description": "An illustrative, user-adjustable assumption — not a market occupancy estimate or prediction. Paired with the Airbnb comparable set's median nightly rate.",
            "default": 60
          },
          "optimisticOccupancyPercent": {
            "title": "Optimistic scenario occupancy (%)",
            "minimum": 0,
            "maximum": 100,
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            "description": "An illustrative, user-adjustable assumption — not a market occupancy estimate or prediction. Paired with the Airbnb comparable set's 75th-percentile nightly rate.",
            "default": 80
          },
          "maxComparables": {
            "title": "Airbnb comparable sample size",
            "minimum": 8,
            "maximum": 100,
            "type": "integer",
            "description": "How many nearby Airbnb listings to collect for the comparable nightly-rate set. Larger samples cost more (each comparable is billed by the Airbnb Actor) but improve confidence.",
            "default": 20
          }
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