{"uid":"cap_YleCmCv9YZRRtZQEPYEhw","slug":"self-employed-mortgage-affordability-calculator-7dc664d5","name":"Self-Employed Mortgage Affordability Calculator","description":"Self-employed mortgage affordability: 2-year income averaging with add-backs, the declining-income rule, front/back DTI limits, PMI-aware max-price solve.","url":"https://x402toll.com/v1/mortgage-affordability","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"addBacks":{"type":"number","default":0},"termYears":{"enum":[15,20,30],"type":"number","default":30},"backDTIPct":{"type":"number","default":36},"monthlyHOA":{"type":"number","default":0},"pmiRatePct":{"type":"number","default":0.6},"downPayment":{"type":"number","default":0},"frontDTIPct":{"type":"number","default":28},"monthlyDebts":{"type":"number","default":0},"propertyTaxPct":{"type":"number","default":1.1},"year1NetIncome":{"type":"number"},"year2NetIncome":{"type":"number"},"annualInsurance":{"type":"number","default":1500},"interestRatePct":{"type":"number","default":6.5}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.05","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.05/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.05","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.05","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_YxQj6_lVsy8ofUYgg5rqL","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.05","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Calculates maximum home purchase price for self-employed borrowers using 2-year income averaging, add-backs, declining-income rules, front/back DTI limits, and PMI-aware computation.","exampleAgentPrompt":"I'm self-employed — my net income was $85,000 in year 1 and $95,000 in year 2 with $8,000 in add-backs. I have $50,000 for a down payment, $500 in monthly debts, and I'm looking at a 30-year loan at 6.5% interest. Can you tell me the maximum home price I can qualify for, keeping front DTI at 28% and back DTI at 36%?","exampleUseCases":null,"resultDescription":"Returns the maximum qualifying home purchase price computed from the 2-year average (or lower of the two years if declining), adjusted for add-backs, and then solved backward through front/back DTI limits, PMI threshold, property tax, insurance, HOA, and monthly debt obligations to find the binding constraint.","failureModes":["Missing required year1NetIncome or year2NetIncome fields returns a 422 validation error","Infeasible DTI constraints (e.g. debts already exceed back DTI limit at any price) may return a zero or error result","Invalid enum value for termYears (not 15, 20, or 30) returns a schema validation error","Negative or zero income values may produce nonsensical results","Down payment exceeding plausible home price may cause solver edge cases"],"whenToPreferThis":"Use this endpoint specifically when the borrower is self-employed and has two years of net income to average — it handles the IRS add-back convention, the declining-income penalty rule, and solves max price accounting for PMI disappearing at 80% LTV. Prefer over a generic mortgage calculator when 1099/Schedule C income averaging and DTI dual-limit solving are both required.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T18:51:15.581Z","isFirstParty":false}