> ## Documentation Index > Fetch the complete documentation index at: https://developers.investorlift.com/llms.txt > Use this file to discover all available pages before exploring further. # Rank the lenders of a market or a place > Who lends most, market-wide, inside one ZIP, city or county, or around a point, over the window you name. Early access: while the developer tier is in beta, the API serves this route to Investorlift's team and trusted partners. Investorlift will restrict the route further before it opens to every key. A page of [lender ranking rows](/api-reference/objects/lender-ranking), most loans in the window first by default. ## Use it when The lender leaderboard: who funds deals here, which hard-money lenders are active in 85032, who writes construction loans in Scottsdale. For one lender's standing, use its [profile](/api-reference/endpoints/lenders-get). Its `rankings` block places the lender overall, within its class and among hard-money lenders. For the loans behind a row, use [`GET /v1/lenders/{id}/loans`](/api-reference/endpoints/lenders-loans). ## How it works * **One market at a time.** The list ranks inside one market. If the API has several loaded markets and you name none, it answers [`400 market_required`](/guides/concepts/errors#market_required) and lists them. * **One place at most.** `zip`, `city` or `county` narrows the list to a place. The API reads the rows from a table pre-aggregated per lender and place. So the counts inside a ZIP are the lender's loans there, not its market-wide book. The place must be inside the counties the registry covers, listed in `meta.coverage[].lenders.counties` and on [Counties, cities and ZIP codes](/coverage/places). Outside them the API answers [`422 outside_coverage`](/guides/concepts/errors#outside_coverage) and names the covered counties, never an empty page. * **Or around a point** (since 0.19.0). A geometry ranks the lenders active in it instead: `lat` and `lng` with `radius_miles`, a `bbox`, or `property_id`. The API resolves the geometry to the H3 res-8 cells whose centre lies inside it, about a third of a square mile each. So its edge is a hex boundary, not the circle. The row's `in_geometry` says how many cells the geometry became and how many of them carry the lender. * Under a geometry the API sums `n`, `volume`, the first-lien and product counts, `n_purchase_money`, `n_investor` and `last_recorded_on` over those cells. `share`, `share_by_volume`, `n_unpriced`, `n_deals_financed` and `n_borrowers` are null, not measured per geometry. Every sort orders the aggregate in memory. * A geometry beside `zip`, `city` or `county` is [`400 validation_error`](/guides/concepts/errors#validation_error) (code `geography_conflict`). A point outside every loaded market's tolerance is `422 outside_coverage`. A point in a market other than `market=` is a `400 validation_error` (code `geometry_market`). * `meta.geometry` echoes the shape you asked for, with the defaults filled. A `property_id` echoes as a `radius` of the default around the parcel. The cells the shape became are the row's `in_geometry`. A `zip` or a `city` echoes as a `place`. The API does not echo a `county`. See [the envelope](/api-reference/objects/envelope). * **The window.** `period` (since 0.19.0) takes `24m` (the default), `12m`, `all` (every dated instrument), a calendar year `YYYY` or a month `YYYY-MM`. The default is the 24 months ending on `as_of`. The year runs from 2002 to the slice year, and the month is one of the 36 ending on the slice month. * Inside a place every window works. Market-wide only `24m` or a month `YYYY-MM` works. The market-wide month rows are the profile's `by_month` buckets, and the registry has no market-wide rows for `12m`, `all` or a year. Around a point only `24m`, `12m` and `all` work, because the registry keeps the cells at those three. * Any other value is `400 validation_error`, code `period_not_served`, and the message names the rule. Every windowed count on the row follows the window. * **The count.** `n` is every instrument of any kind recorded in the window, counted once across the open-lien and recorded-history tables. `position=1` counts first liens alone. `product=` counts the named products alone. The two together count the first liens of those products. The registry pre-aggregates the per-product first-lien counts, so the API no longer refuses the pair. * `purpose=purchase` (since 0.16.0) counts the purchase-money instruments alone, those whose loan sits in the 45 days after a priced deed on the parcel. The API refuses it beside `position` or `product`, because the registry does not pre-aggregate that pair. `min_n` and the sort's metric apply to `n` as selected. `active_from` applies to the lender's newest recording in the place. * **Investor lenders.** `investor_only=true` (since 0.16.0) keeps the lenders whose window is half or more loans to registered investors, whatever the name says. The profile carries this as `is_investor_lender`. `hard_money=true` keeps the lenders that are hard money by name or, since the same release, by behaviour. * **Who appears.** The list hides persons (`INDIVIDUAL`, `PRIVATE`) and `GOVERNMENT` lenders unless you set `include_persons=true` or `include_government=true`. `hard_money=true` keeps the hard-money lenders and `false` keeps the rest. `lender_class=` narrows within the lenders that appear. * **`rank` and `share`** are the row's, not the profile's. The section [Read a row](/api-reference/objects/lender-ranking#read-a-row) says how the API measures each and why they differ from `rankings.rank_24m`. Since 0.19.0 the row also carries `share_by_volume`, the lender's volume over every lender's in the same window and place. It also carries `n_borrowers`, its borrowers in the window, market-wide or inside the place. [`GET /v1/lenders/{id}/rankings`](/api-reference/endpoints/lenders-rankings) is the other way round: it lists every place one lender ranks in. * **Sorts.** `loans_desc` (the default), `volume_desc`, `open_liens_desc`, `open_balance_desc`, `last_recorded_desc` and, since 0.16.0, `purchase_desc`. That sort puts the most purchase-money loans in the window first, and the lenders without one last. The open-lien and open-balance sorts order by the lender's market-wide book even inside a place. ## Gotchas * **A `GOVERNMENT` row counts claims and insurance**, not originations. HUD and the VA appear as lenders on the partial-claim seconds and insurance claims recorded under the agency's name. * **A bridge lender ranks below its activity.** The history captures about one open loan in five, and it counts a short-term loan only while the loan is open. The bias is the same on every row, so compare hard-money lenders with each other. * A `period` other than `24m`, a geometry and `share_by_volume` read the place rankings. On a registry built before them, the API answers [`422 lenders_unavailable`](/guides/concepts/errors#lenders_unavailable) and names the parameter. On such a registry `share_by_volume` is null on every row, and `n_borrowers` inside a place is null too. Market-wide it reads the borrower match, and the API serves it from 0.16.0. * `purpose`, `investor_only` and `sort=purchase_desc` read the deed link. On a registry built before it, the API answers [`422 lenders_unavailable`](/guides/concepts/errors#lenders_unavailable). The counts they read are null on every row there. * Every row is dated (`meta.dated[]`). The `as_of` is the slice date in `meta.coverage[].lenders.as_of`. With `require_current=true` the API answers [`422 dated_refused`](/guides/concepts/errors#dated_refused). The API measures recency (`last_recorded_on`, `active_from`) against `meta.coverage[].lenders.recordings_through`, fourteen days before `as_of`. * For a market with no published lender registry, the API answers [`422 lenders_unavailable`](/guides/concepts/errors#lenders_unavailable). A cursor from another query or an older dataset is [`400 invalid_cursor`](/guides/concepts/errors#invalid_cursor). ## Related [Who is this lender?](/guides/walkthroughs/profile-a-lender) ends with the hard-money lenders active in one ZIP and the ZIPs one lender leads. [Rank one lender by place](/api-reference/endpoints/lenders-rankings) is this list inverted: every place one lender ranks in. ## OpenAPI ````yaml GET /v1/lenders openapi: 3.1.0 info: title: God Mode API version: 0.33.1 description: >- You have a house to sell, usually a wholesale contract. You want to know **who nearby buys houses like this one and how to reach them**. County deed records already hold the answer. This API reads them for each loaded market and serves three things: deals, investors and a ranking. On every response, `meta.coverage[]` lists the markets and the area each covers. **Deals** are every investment purchase, flip, wholesale and current investor holding. **Investors** are the buyers behind them, grouped so that the LLCs of an operator and the person behind them count as one. **A ranking** says, for a given house, which investors are the best fit and why. The documentation site at https://developers.investorlift.com carries the guides, the walkthroughs, the error catalogue and the connection steps for MCP clients. https://developers.investorlift.com/llms.txt indexes the site for a model. This document is the machine-readable reference behind the API tab of the site. **Start here.** Ranked buyers for a house at 7522 E Cholla St, Scottsdale, under contract at $410,000 and in need of a major rehab: ``` GET https://api.investorlift.com/v1/buyers/match?lat=33.476917&lng=-111.920385&radius_miles=2&subject_asking_price=410000&subject_condition=MAJOR_REHAB Authorization: Bearer zpka_... ``` **Conventions.** Responses are `{ data, meta }`. Lists add `page` (an opaque cursor) and sometimes `summary`. A list parameter takes commas or repeated keys. Dates are YYYY-MM-DD. Ids carry a prefix: `deal_`, `prop_`, `inv_`, `agt_`, `wl_`, `wsr_`. Money is whole dollars. It is null, never 0, when the deed carries no price. Coordinates are WGS84. A location is a point and radius (`lat`, `lng`, `radius_miles`), a viewport (`bbox=west,south,east,north`) or a parcel (`property_id`). This host does not serve the people behind an entity, mailing addresses, owner identity, mortgage borrowers or lien parties. It does not serve the names, phones, emails and licence numbers of listing agents. It serves the entities, the deals, the listings and the ranking. Errors are RFC 9457 problem+json with a `code` to switch on. The catalogue is https://developers.investorlift.com/problems.json and the Errors page of the site. The field `meta.coverage[].dataset_version` changes only when a refresh rebuilds the tables of a market. Use it in cache keys, or poll `GET /v1/dataset`. **MCP.** The API serves the same data to Model Context Protocol clients at `POST https://api.investorlift.com/mcp` with the same key: twenty-six read-only tools, four resources, seven prompts. The MCP tab of the documentation site has the client setup. The file `mcp-manifest.json` beside this document lists the tools with their input schemas. Problem codes: 400 validation_error, 400 unknown_parameter, 400 invalid_cursor, 400 geometry_required, 400 geometry_conflict, 400 sort_requires_point, 400 invalid_id, 400 market_required, 401 unauthorized, 403 quota_exceeded, 403 subscription_required, 403 payment_overdue, 403 plan_limit, 404 not_found, 406 not_acceptable, 410 gone, 422 outside_coverage, 422 ambiguous_apn, 422 ambiguous_address, 422 csv_cap_exceeded, 422 listings_unavailable, 422 agents_unavailable, 422 lenders_unavailable, 422 wholesale_unavailable, 422 str_unavailable, 422 cash_sale_unavailable, 422 auction_unavailable, 422 parcels_unavailable, 422 addresses_unavailable, 422 dated_refused, 422 history_unavailable, 400 quicklist_unavailable, 400 dataset_unavailable, 429 rate_limited, 500 internal_error, 503 database_unavailable, 503 pool_saturated, 503 ledger_unavailable, 504 statement_timeout. servers: - url: https://api.investorlift.com security: - bearerAuth: [] tags: - name: buyers x-group: Buyers description: >- Which investors are the best fit for this house: the API ranks nearby investors against a subject property and explains each score. - name: deals x-group: Deals description: >- What occurred around a location: deals for a table, cells for a map, summary stats, and one deal by id. - name: investors x-group: Investors description: >- Who the buyers are: investors active in an area, a full profile, and their metro-wide history. A search finds an investor by any name they buy under. - name: properties x-group: Properties description: >- One parcel: find it from a point or an APN, then read its facts, owner information, short-term rental licence and every deal on it. The owner information covers investor holdings and business-use short-term rentals. - name: agents x-group: Listing agents description: >- Who the listing agents are: find one by name or licence number, then read the profile and every listing of theirs. The profile holds the licence, the brokerages, the listing counts and the investors they belong to. - name: wholesale x-group: Investorlift listings description: >- Investorlift listings as wholesale transactions: the houses listed, and what the county deeds show for each (closed, to whom, which deed). Also the listing companies, and what each investor bought off Investorlift. - name: lenders x-group: Lenders description: >- Who lends on houses in a market: find a lender by any spelling of its name. Rank the lenders of a market, or of one ZIP, city or county. Read a profile: loans counted once across the open-lien and recorded-history tables, the open book, terms, geography and rankings. List every loan of one lender. - name: dataset x-group: Dataset and coverage description: >- What the API serves, how fresh it is and which data is available where. The dataset version and the last deed date of every market, for cache keys and freshness checks. The coverage matrix, with a place lookup. - name: contract x-group: By contract description: >- Routes sold per jurisdiction under an order form and not reachable on a self-serve key. Ask through the console. externalDocs: description: >- The documentation site: the guides, the walkthroughs, the error catalogue and the MCP connection steps. url: https://developers.investorlift.com paths: /v1/lenders: get: tags: - lenders summary: Rank the lenders of a market, a ZIP, city, county or geometry description: >- The lenders of a market ranked by loans recorded over a period: market-wide, inside one ZIP, city or county, or inside a geometry. Each row has volume, share, open book and typical loan, and the default period is the 24 months to the slice date. A geometry resolves to the H3 res-8 cells whose centre lies inside it (about 0.3 sq mi each): the edge is hexagonal, not the circle. A key outside the covered counties is 422 outside_coverage. Dated: stamped in `meta.dated[]`. [Filters, sorts, periods, rank and share](https://developers.investorlift.com/api-reference/endpoints/lenders-list). operationId: listLenders parameters: - schema: type: string minLength: 1 maxLength: 16 in: query name: market required: false description: >- Market code, for example phx. The loaded markets are in meta.coverage[]. The list ranks inside one market. When meta.coverage[] lists more than one market and you send none, the API answers 400 market_required and lists them in extra.markets. If the market has no published lender registry, the API answers 422 lenders_unavailable. - schema: default: 24m type: string pattern: ^(12m|24m|all|\d{4}|\d{4}-(0[1-9]|1[0-2]))$ in: query name: period required: false description: >- The window the counts cover: 24m, the default, is the 24 months ending on the slice date. 12m is the 12 months ending on it, all is every dated instrument, and a calendar year YYYY runs from 2002 to the slice year. A month YYYY-MM is one of the 36 ending on the slice month, and any other value answers 400 validation_error with code period_not_served. Market-wide the list serves 24m and a month, and the other periods need a ZIP, city, county or geometry. A geometry serves the three windows alone. - schema: type: number minimum: -90 maximum: 90 in: query name: lat required: false description: >- Point latitude (with lng). With radius_miles it is the geometry. The API resolves the circle to the H3 res-8 cells whose centre lies inside it, so its edge is a hex boundary. Do not send it with zip, city or county (400 geography_conflict). On a registry built before the place rankings, the API answers 422 lenders_unavailable. - schema: type: number minimum: -180 maximum: 180 in: query name: lng required: false description: Point longitude (with lat). - schema: type: number minimum: 0.25 maximum: 20 in: query name: radius_miles required: false description: >- Search radius in miles around the point or around the centre of the property_id parcel, 0.25 to 20 (default 2). Not allowed with bbox. - schema: type: string in: query name: bbox required: false description: >- Viewport as west,south,east,north (WGS84 degrees). West must be less than east, south less than north, and the diagonal at most 40 mi. It must intersect a loaded market's coverage bbox (422 outside_coverage otherwise). It can carry lat + lng (without radius_miles) as the reference point for distances and sort=distance. - schema: type: string pattern: ^prop_[0-9a-f]{32}$ in: query name: property_id required: false description: >- Parcel geometry: search around the centre of that parcel, with radius_miles. Not allowed with lat, lng or bbox. - schema: minItems: 1 type: array items: type: string enum: - BANK - NONBANK - PRIVATE - INDIVIDUAL - GOVERNMENT description: >- How the lender name reads. BANK: a bank, credit union or thrift. NONBANK: a mortgage company or other lending business. PRIVATE: a trust, a seller carry-back or another private party, not the hard-money sense of private lender, which the Lender object carries as is_hard_money. INDIVIDUAL: a person's name. GOVERNMENT: an agency or a public body. in: query name: lender_class required: false description: >- Keep only lenders of these classes (comma list or repeated key): BANK, NONBANK, PRIVATE, INDIVIDUAL, GOVERNMENT. It does not lift the two defaults below: INDIVIDUAL and PRIVATE still need include_persons=true, and GOVERNMENT needs include_government=true. For the hard-money sense of private lender, use hard_money=true, not lender_class=PRIVATE. - schema: type: string enum: - 'true' - 'false' in: query name: hard_money required: false description: >- true keeps only hard-money lenders (is_hard_money true). false keeps only the rest. Default: every lender. The registry flags a hard-money lender by name or brand, or by behaviour in a market with the deed link. - schema: default: 'false' type: string enum: - 'true' - 'false' in: query name: include_persons required: false description: >- true includes lenders whose class reads INDIVIDUAL or PRIVATE: a person's name, a trust, a seller carry-back. Default false hides them, the way investor lists hide institutional investors. - schema: default: 'false' type: string enum: - 'true' - 'false' in: query name: include_government required: false description: >- true includes GOVERNMENT lenders: HUD, the VA, a housing authority. Their counts are insurance claims and partial-claim seconds recorded under the agency's name, not originations. Default false hides them. - schema: type: integer minimum: 1 maximum: 1 in: query name: position required: false description: >- 1 counts first liens only: the instruments whose open lien position is 1 (n_first_lien). The API serves no other value. With product[] the row's n is the first liens of the named products, from precomputed counts. - schema: minItems: 1 type: array items: type: string enum: - CONSTRUCTION - HELOC - OTHER description: >- What the file says the loan is, read from its flags and loan type and never from the label. CONSTRUCTION: the construction flag or a "Building or Construction Loan" type. HELOC: the credit-line flag or a "Credit Line (Revolving)" type. OTHER: everything else, that is a purchase-money or refinance mortgage of any kind. in: query name: product required: false description: >- Count only instruments of these products (comma list or repeated key): CONSTRUCTION, HELOC, OTHER. The row's n is the sum of the named counts. With position=1 it is their first liens alone. The row's share is null (no per-product denominator). - schema: type: string enum: - purchase in: query name: purpose required: false description: >- purchase counts only the window's purchase-money instruments: purpose PURCHASE by the deed link. The deed link sets PURCHASE when it finds a priced deed on the parcel in the 45 days up to the recording. The row's n is n_purchase_money and share is null (no purchase-money denominator). The API serves no other value. Do not send it with position or product (400 validation_error, code not_precomputed). While the market's registry predates the deed link, the API answers 422 lenders_unavailable (meta.coverage[].lenders.purchase_measured false). - schema: type: string enum: - 'true' - 'false' in: query name: investor_only required: false description: >- true keeps only investor lenders by behaviour (is_investor_lender true). false keeps only the rest. Default: every lender. The flag is true when half or more of the window's instruments go to registered investors and the window holds 20 or more. While the market's registry predates the borrower match, the API answers 422 lenders_unavailable. - schema: type: string pattern: ^\d{5}$ in: query name: zip required: false description: >- Rank inside one 5-digit ZIP, from the pre-aggregated geography table. For a ZIP outside the covered counties (meta.coverage[].lenders.counties), the API answers 422 outside_coverage. Send at most one of zip, city or county. - schema: type: string minLength: 1 maxLength: 100 in: query name: city required: false description: >- Rank inside one city, as the parcel table writes it ("SCOTTSDALE"). Case does not matter. For a city outside the covered counties, the API answers 422 outside_coverage. Send at most one of zip, city or county. - schema: type: string pattern: ^\d{5}$ in: query name: county required: false description: >- Rank inside one county, a 5-digit FIPS such as 04013. For a county outside meta.coverage[].lenders.counties, the API answers 422 outside_coverage. Send at most one of zip, city or county. - schema: default: loans_desc type: string enum: - loans_desc - volume_desc - open_liens_desc - open_balance_desc - last_recorded_desc - purchase_desc in: query name: sort required: false description: >- Row order of the lender list: loans_desc, the default, puts the most loans in the window first. With volume_desc, the largest loan total in the window comes first, and with open_liens_desc the most open lien positions at the slice date. With open_balance_desc, the largest open balance comes first. With last_recorded_desc, the newest recording comes first and undated lenders last. With purchase_desc, the most purchase-money loans in the window by the deed link come first, and lenders without a deed link last. - schema: type: string in: query name: active_from required: false description: >- Keep only lenders whose newest recording (last_recorded_on) is on or after this date, YYYY-MM-DD. If you name a geography, the API reads the newest recording inside it. - schema: default: 1 type: integer minimum: 1 maximum: 9007199254740991 in: query name: min_n required: false description: >- Keep only lenders whose n is at least this, default 1. The n is the count that position or product selects. The API never lists a lender with nothing in the window. - schema: default: 100 type: integer minimum: 1 maximum: 500 in: query name: limit required: false description: Page size, 1-500 (default 100). - schema: type: string minLength: 1 maxLength: 4096 in: query name: cursor required: false description: >- Opaque cursor from page.next_cursor of the previous page. A change of query, sort, weights or data version invalidates it (400 invalid_cursor). Then restart from page 1. - schema: default: 'false' type: string enum: - 'true' - 'false' in: query name: require_current required: false description: >- true refuses the request with 422 dated_refused while the registry's source, the financing slice, is a dated snapshot. The default false serves it, and meta.dated[] carries the lenders and financing blocks. responses: '200': description: The ranked lenders, one page in the requested sort. content: application/json: schema: type: object properties: data: type: array items: $ref: '#/components/schemas/LenderRankingRow' description: The rows of this page. page: $ref: '#/components/schemas/Page' meta: $ref: '#/components/schemas/Meta' required: - data - page - meta additionalProperties: false description: The ranked lenders, one page in the requested sort. example: data: - rank: 1 lender: id: len_b959a8d2abef name: CAPITAL FUND I LLC lender_class: NONBANK is_hard_money: true 'n': 816 volume: 436204000 n_unpriced: 0 share: 0.003146 n_first_lien: 515 n_heloc: 15 n_open_liens: 933 open_balance: 307985588 n_parcels: 3325 median_amount: 313500 last_recorded_on: '2026-06-11' n_purchase_money: 406 n_investor: 506 n_deals_financed: 222 share_by_volume: 0.004472 n_borrowers: 509 in_geometry: null as_of: '2026-06-25' dated: true - rank: 2 lender: id: len_86e697f7effc name: EZ HOMES INC lender_class: NONBANK is_hard_money: true 'n': 315 volume: 83365730 n_unpriced: 0 share: 0.001214 n_first_lien: 227 n_heloc: 0 n_open_liens: 405 open_balance: 72385580 n_parcels: 848 median_amount: 220000 last_recorded_on: '2026-06-11' n_purchase_money: 148 n_investor: 119 n_deals_financed: 78 share_by_volume: 0.000855 n_borrowers: 277 in_geometry: null as_of: '2026-06-25' dated: true page: next_cursor: >- eyJ2IjoxLCJydW4iOiIxNzg5NTMzMTgwIiwicSI6IjExMGJjNjdiMjJhNGY0YzdiZWUzMDM0MTc3YzI5MTc5YzM3YTIxMTg2YmI1ZDQ3MTEwNTUxMjRhYTRiNjIxZjUiLCJrIjpbMzE1LCJsZW5fODZlNjk3ZjdlZmZjIl19 limit: 2 returned: 2 meta: generated_at: '2026-09-15T12:00:00.000Z' coverage: - market: phx state: AZ counties: - fips: '04013' name: Maricopa data_end: '2026-08-12' - fips: '04021' name: Pinal data_end: '2026-08-06' bbox: - -113.332773 - 32.46915 - -110.455491 - 33.999503 data_end: '2026-08-27' build_run_id: 3 registry_run: 11 registry_version: v6-auction dataset_version: 1789533180 loaded_at: '2026-09-16T04:32:59.760Z' metro_buy_to_resale_ratio: 0.719 universe_kind: metro universe_zips: null point_tolerance_miles: 20 n_parcels: 1836311 listings_data_end: '2026-08-31' agents_data_end: '2026-08-31' wholesale_as_of: '2026-09-09' str_as_of: '2026-09-10' str: jurisdictions: - name: APACHE_JUNCTION regime: NOT_REQUIRED coverage_reason: NO_REQUIREMENT served: false snapshot_only: false licence_start: null snapshot_date: null feed_stale: false sources: [] n_licensed: 0 n_pending: 0 n_expired: 0 n_advertised: 0 share_unmatched: null share_assumed: null - name: AVONDALE regime: REQUIRED coverage_reason: REQUIRED_NOT_PUBLISHED served: false snapshot_only: false licence_start: null snapshot_date: null feed_stale: false sources: [] n_licensed: 0 n_pending: 0 n_expired: 0 n_advertised: 0 share_unmatched: null share_assumed: null auction_counted: true parcel_as_of: '2026-08-27' address_as_of: null parcel: parcel_as_of: '2026-08-27' n_parcels: 1836311 sale_mortgage_measured: false financing: as_of: '2026-06-25' dated: true dated_reason: dataset not in current delivery n_parcels: 1611957 n_with_open_lien: 1032808 n_free_and_clear: 579149 n_avm: 1528967 n_involuntary: 192400 n_lenders: 76212 permits: as_of: '2026-09-01' n_permits: 2377496 n_parcels: 663045 n_unmatched: 355 jurisdictions: - jurisdiction: PHOENIX n_permits: 795764 last_issue_date: '2026-05-11' windows_measured: null - jurisdiction: MESA n_permits: 330809 last_issue_date: '2026-05-29' windows_measured: null - jurisdiction: MARICOPA COUNTY n_permits: 217628 last_issue_date: '2027-10-17' windows_measured: null - jurisdiction: SCOTTSDALE n_permits: 182189 last_issue_date: '2024-11-05' windows_measured: null - jurisdiction: GOODYEAR n_permits: 173391 last_issue_date: '2025-04-02' windows_measured: null - jurisdiction: GILBERT n_permits: 160199 last_issue_date: '2025-04-07' windows_measured: null - jurisdiction: TEMPE n_permits: 102909 last_issue_date: '2025-12-29' windows_measured: null - jurisdiction: BUCKEYE n_permits: 94951 last_issue_date: '2026-03-18' windows_measured: null - jurisdiction: CHANDLER n_permits: 94942 last_issue_date: '2026-05-29' windows_measured: null - jurisdiction: PEORIA n_permits: 75435 last_issue_date: '2026-05-07' windows_measured: null - jurisdiction: QUEEN CREEK n_permits: 59103 last_issue_date: '2026-04-24' windows_measured: null - jurisdiction: null n_permits: 43845 last_issue_date: '2026-06-05' windows_measured: null - jurisdiction: PARADISE VALLEY n_permits: 23135 last_issue_date: '2026-04-24' windows_measured: null - jurisdiction: AVONDALE n_permits: 7961 last_issue_date: '2026-04-24' windows_measured: null - jurisdiction: MARICOPA n_permits: 5732 last_issue_date: '2026-12-12' windows_measured: null - jurisdiction: YOUNGTOWN n_permits: 3979 last_issue_date: '2026-06-05' windows_measured: null - jurisdiction: EL MIRAGE n_permits: 1971 last_issue_date: '2026-04-13' windows_measured: null - jurisdiction: YUMA n_permits: 1909 last_issue_date: '2009-01-15' windows_measured: null - jurisdiction: FOUNTAIN HILLS n_permits: 767 last_issue_date: '2026-05-21' windows_measured: null - jurisdiction: ELMIRAGE n_permits: 521 last_issue_date: '2025-08-08' windows_measured: null - jurisdiction: SUN CITY n_permits: 133 last_issue_date: null windows_measured: null - jurisdiction: COCONINO COUNTY n_permits: 63 last_issue_date: '2024-02-16' windows_measured: null - jurisdiction: PINAL COUNTY n_permits: 54 last_issue_date: '2022-07-21' windows_measured: null - jurisdiction: APACHE JUNCTION n_permits: 47 last_issue_date: '2025-05-13' windows_measured: null - jurisdiction: PIMA COUNTY n_permits: 21 last_issue_date: '2016-10-24' windows_measured: null - jurisdiction: WITTMANN n_permits: 8 last_issue_date: '2026-02-03' windows_measured: null - jurisdiction: JACKSON COUNTY n_permits: 7 last_issue_date: null windows_measured: null - jurisdiction: LEWISVILLE n_permits: 5 last_issue_date: '2024-02-07' windows_measured: null - jurisdiction: MONTGOMERY n_permits: 4 last_issue_date: '2023-06-05' windows_measured: null - jurisdiction: RIVERSIDE COUNTY n_permits: 3 last_issue_date: '2026-06-20' windows_measured: null - jurisdiction: LITCHFIELD PARK n_permits: 3 last_issue_date: null windows_measured: null - jurisdiction: APACHE JUNCTION - SEWER UTILITY n_permits: 2 last_issue_date: '2026-05-07' windows_measured: null - jurisdiction: FORT WORTH n_permits: 2 last_issue_date: null windows_measured: null - jurisdiction: YAVAPAI COUNTY n_permits: 1 last_issue_date: null windows_measured: null - jurisdiction: LOCUST GROVE n_permits: 1 last_issue_date: null windows_measured: null - jurisdiction: ORO VALLEY n_permits: 1 last_issue_date: null windows_measured: null - jurisdiction: TANGIPAHOA n_permits: 1 last_issue_date: '2019-05-28' windows_measured: null owner_profile: as_of: '2026-09-09' n_parcels: 1611077 n_multi: 646963 n_portfolio_5: 277841 history: first_week: '2025-07-24' last_week: '2026-09-09' zips: - '85251' n_parcels: 18774 n_events: 236022 n_weeks: 62 domains: tax: first_week: '2025-07-24' last_week: '2026-09-09' n_events: 18597 deed: first_week: '2025-07-24' last_week: '2026-09-09' n_events: 17615 sale: first_week: '2025-07-24' last_week: '2026-09-09' n_events: 1700 listing: first_week: '2025-07-24' last_week: '2026-09-09' n_events: 21122 mailing: first_week: '2025-07-24' last_week: '2026-09-09' n_events: 2128 vacancy: first_week: '2025-07-24' last_week: '2026-09-09' n_events: 2583 financing: first_week: '2025-12-02' last_week: '2026-06-25' n_events: 6420 occupancy: first_week: '2025-07-24' last_week: '2026-09-09' n_events: 1297 ownership: first_week: '2025-07-24' last_week: '2026-09-09' n_events: 3238 structure: first_week: '2025-07-24' last_week: '2026-09-09' n_events: 2548 valuation: first_week: '2025-07-24' last_week: '2026-06-25' n_events: 83657 assessment: first_week: '2025-07-24' last_week: '2026-09-09' n_events: 16450 owner_profile: first_week: '2025-07-24' last_week: '2026-09-09' n_events: 58404 classification: first_week: '2025-07-24' last_week: '2026-09-09' n_events: 263 lenders: as_of: '2026-06-25' recordings_through: '2026-06-11' counties: - '04013' history_capture_share: 0.183706 n_lender_ids: 32046 purchase_measured: true investor_lending_measured: true flips_measured: true borrowers_measured: true takebacks_measured: true counties_measured: false dated: true n_parcels_uncovered: 224192 dated: - block: financing as_of: '2026-06-25' reason: dataset not in current delivery - block: lenders as_of: '2026-06-25' reason: dataset not in current delivery terms: >- Data: Investorlift Data Services. Public-record and MLS listing data licensed through BatchData; municipal short-term rental registries; Investorlift marketplace records. Attribution and data-use terms: https://developers.investorlift.com/guides/terms headers: ETag: $ref: '#/components/headers/ETag' X-Request-Id: $ref: '#/components/headers/X-Request-Id' X-Rows: $ref: '#/components/headers/X-Rows' X-Dataset-Version: $ref: '#/components/headers/X-Dataset-Version' X-Data-End: $ref: '#/components/headers/X-Data-End' '400': description: >- Bad request (dataset_unavailable, geometry_conflict, geometry_required, invalid_cursor, invalid_id, market_required, quicklist_unavailable, sort_requires_point, unknown_parameter, validation_error) content: application/problem+json: schema: $ref: '#/components/schemas/Problem' examples: geometry_conflict: summary: Geometry conflict value: type: >- https://developers.investorlift.com/guides/concepts/errors#geometry_conflict title: Geometry conflict status: 400 code: geometry_conflict detail: >- You cannot combine radius_miles with bbox. Send one geometry only. instance: /v1/lenders request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 geometry_required: summary: Geometry required value: type: >- https://developers.investorlift.com/guides/concepts/errors#geometry_required title: Geometry required status: 400 code: geometry_required detail: >- The request needs one geometry: lat and lng with radius_miles, bbox, property_id, zip (a list) or city. instance: /v1/lenders request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 invalid_cursor: summary: Invalid cursor value: type: >- https://developers.investorlift.com/guides/concepts/errors#invalid_cursor title: Invalid cursor status: 400 code: invalid_cursor detail: >- The API issued the cursor for another query. Restart from page 1. instance: /v1/lenders request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 invalid_id: summary: Invalid id value: type: >- https://developers.investorlift.com/guides/concepts/errors#invalid_id title: Invalid id status: 400 code: invalid_id detail: >- An investor id is inv_ followed by 12 hex characters. The prefix is part of the id. instance: /v1/lenders request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 market_required: summary: Market required value: type: >- https://developers.investorlift.com/guides/concepts/errors#market_required title: Market required status: 400 code: market_required detail: >- inv_0a20a550f33b exists in 2 loaded markets. Pass market=. The codes are in markets[]. instance: /v1/lenders request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 markets: - phx - hou errors: - param: market message: one of phx, hou code: market_required sort_requires_point: summary: Sort requires a reference point value: type: >- https://developers.investorlift.com/guides/concepts/errors#sort_requires_point title: Sort requires a reference point status: 400 code: sort_requires_point detail: >- sort=distance needs a reference point: add lat and lng, or property_id. instance: /v1/lenders request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 unknown_parameter: summary: Unknown parameter value: type: >- https://developers.investorlift.com/guides/concepts/errors#unknown_parameter title: Unknown parameter status: 400 code: unknown_parameter detail: >- The query carries a parameter this endpoint does not define: kind[]. Write the list as kind=flip,hold or as repeated keys. instance: /v1/lenders request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 errors: - param: kind[] message: unknown parameter code: unknown_parameter validation_error: summary: Validation error value: type: >- https://developers.investorlift.com/guides/concepts/errors#validation_error title: Validation error status: 400 code: validation_error detail: radius_miles must be 20 or less. instance: /v1/lenders request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 errors: - param: radius_miles message: must be 20 or less code: too_big headers: X-Request-Id: $ref: '#/components/headers/X-Request-Id' '401': description: Unauthorized (unauthorized) content: application/problem+json: schema: $ref: '#/components/schemas/Problem' examples: unauthorized: summary: Unauthorized value: type: >- https://developers.investorlift.com/guides/concepts/errors#unauthorized title: Unauthorized status: 401 code: unauthorized detail: 'Send Authorization: Bearer with a current key.' instance: /v1/lenders request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 headers: X-Request-Id: $ref: '#/components/headers/X-Request-Id' '403': description: >- Forbidden (payment_overdue, plan_limit, quota_exceeded, subscription_required) content: application/problem+json: schema: $ref: '#/components/schemas/Problem' examples: plan_limit: summary: Plan limit value: type: >- https://developers.investorlift.com/guides/concepts/errors#plan_limit title: Plan limit status: 403 code: plan_limit detail: >- The free plan searches within 5 miles of a point, a viewport up to 10 miles across, or one ZIP code. Your zip parameter lists 2 ZIP codes. Upgrade in the developer console for city-wide and multi-ZIP searches. instance: /v1/lenders request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 tier: free limit: geometry max_radius_miles: 5 max_bbox_diagonal_miles: 10 max_zips: 1 quota_exceeded: summary: Quota exceeded value: type: >- https://developers.investorlift.com/guides/concepts/errors#quota_exceeded title: Quota exceeded status: 403 code: quota_exceeded detail: >- Your requests spent the plan's credits for this billing period (5000 of 5000). Wait for the period to reset on the subscription's billing date, or upgrade in the developer console. instance: /v1/lenders request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 used: 5000 line: 5000 subscription_required: summary: Subscription required value: type: >- https://developers.investorlift.com/guides/concepts/errors#subscription_required title: Subscription required status: 403 code: subscription_required detail: >- This key has no active plan subscription. Subscribe in the developer console. instance: /v1/lenders request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 payment_overdue: summary: Payment overdue value: type: >- https://developers.investorlift.com/guides/concepts/errors#payment_overdue title: Payment overdue status: 403 code: payment_overdue detail: >- The subscription's payment is overdue and the grace period passed. Update the card under Manage Billing in the developer console. instance: /v1/lenders request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 headers: X-Request-Id: $ref: '#/components/headers/X-Request-Id' '404': description: Not found (not_found) content: application/problem+json: schema: $ref: '#/components/schemas/Problem' examples: not_found: summary: Not found value: type: >- https://developers.investorlift.com/guides/concepts/errors#not_found title: Not found status: 404 code: not_found detail: No such deal in any loaded market. instance: /v1/lenders request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 headers: X-Request-Id: $ref: '#/components/headers/X-Request-Id' '406': description: Not acceptable (not_acceptable) content: application/problem+json: schema: $ref: '#/components/schemas/Problem' examples: not_acceptable: summary: Not acceptable value: type: >- https://developers.investorlift.com/guides/concepts/errors#not_acceptable title: Not acceptable status: 406 code: not_acceptable detail: >- Accept text/html names no representation this endpoint produces (application/json). instance: /v1/lenders request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 headers: X-Request-Id: $ref: '#/components/headers/X-Request-Id' '422': description: >- Unprocessable (addresses_unavailable, agents_unavailable, ambiguous_address, ambiguous_apn, auction_unavailable, cash_sale_unavailable, dated_refused, history_unavailable, lenders_unavailable, listings_unavailable, outside_coverage, parcels_unavailable, str_unavailable, wholesale_unavailable) content: application/problem+json: schema: $ref: '#/components/schemas/Problem' examples: agents_unavailable: summary: Agents unavailable value: type: >- https://developers.investorlift.com/guides/concepts/errors#agents_unavailable title: Agents unavailable status: 422 code: agents_unavailable detail: >- This market has no published agent registry. See meta.coverage[].agents_data_end. instance: /v1/lenders request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 auction_unavailable: summary: Auction counts unavailable value: type: >- https://developers.investorlift.com/guides/concepts/errors#auction_unavailable title: Auction counts unavailable status: 422 code: auction_unavailable detail: >- This market has no published foreclosure-auction counts: its registry predates them. So the API cannot answer buys_at_auction, buys_reo and bought_auction_kind there, and meta.coverage[].auction_counted is false for it. Drop the parameter to list every row. instance: /v1/lenders request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 lenders_unavailable: summary: Lenders unavailable value: type: >- https://developers.investorlift.com/guides/concepts/errors#lenders_unavailable title: Lenders unavailable status: 422 code: lenders_unavailable detail: >- Market hou has no published lender registry (meta.coverage[].lenders is null there). The API still serves the financing block on parcels where the slice is. instance: /v1/lenders request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 markets: - hou listings_unavailable: summary: Listings unavailable value: type: >- https://developers.investorlift.com/guides/concepts/errors#listings_unavailable title: Listings unavailable status: 422 code: listings_unavailable detail: >- You gave listing_status for a market with no published listing tables. See meta.coverage[].listings_data_end. instance: /v1/lenders request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 outside_coverage: summary: Outside coverage value: type: >- https://developers.investorlift.com/guides/concepts/errors#outside_coverage title: Outside coverage status: 422 code: outside_coverage detail: >- The point 40.712776, -74.005974 is outside every loaded market's point tolerance (loaded: phx, hou). See meta.coverage[].bbox and point_tolerance_miles on any list response. instance: /v1/lenders request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 str_unavailable: summary: Short-term rental data unavailable value: type: >- https://developers.investorlift.com/guides/concepts/errors#str_unavailable title: Short-term rental data unavailable status: 422 code: str_unavailable detail: >- This market has no published short-term rental tables. See meta.coverage[].str_as_of. instance: /v1/lenders request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 wholesale_unavailable: summary: Wholesale transactions unavailable value: type: >- https://developers.investorlift.com/guides/concepts/errors#wholesale_unavailable title: Wholesale transactions unavailable status: 422 code: wholesale_unavailable detail: >- This market has no published Investorlift wholesale tables. See meta.coverage[].wholesale_as_of. instance: /v1/lenders request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 headers: X-Request-Id: $ref: '#/components/headers/X-Request-Id' '429': description: Rate limited, with Retry-After (rate_limited) content: application/problem+json: schema: $ref: '#/components/schemas/Problem' examples: rate_limited: summary: Rate limited value: type: >- https://developers.investorlift.com/guides/concepts/errors#rate_limited title: Rate limited status: 429 code: rate_limited detail: >- The request exceeded the per-key budget. Retry in 12 seconds. instance: /v1/lenders request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 retry_after: 12 bucket: key headers: Retry-After: $ref: '#/components/headers/Retry-After' X-Request-Id: $ref: '#/components/headers/X-Request-Id' '500': description: Internal error (internal_error) content: application/problem+json: schema: $ref: '#/components/schemas/Problem' examples: internal_error: summary: Internal error value: type: >- https://developers.investorlift.com/guides/concepts/errors#internal_error title: Internal error status: 500 code: internal_error detail: The request failed. Quote request_id when you report it. instance: /v1/lenders request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 headers: X-Request-Id: $ref: '#/components/headers/X-Request-Id' '503': description: >- Unavailable, with Retry-After on pool_saturated and ledger_unavailable (database_unavailable, ledger_unavailable, pool_saturated) content: application/problem+json: schema: $ref: '#/components/schemas/Problem' examples: database_unavailable: summary: Database unavailable value: type: >- https://developers.investorlift.com/guides/concepts/errors#database_unavailable title: Database unavailable status: 503 code: database_unavailable detail: >- The service failed to reach the database and did not run the request. instance: /v1/lenders request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 ledger_unavailable: summary: Ledger unavailable value: type: >- https://developers.investorlift.com/guides/concepts/errors#ledger_unavailable title: Ledger unavailable status: 503 code: ledger_unavailable detail: >- The credit ledger is unreachable. The API charged nothing. Retry in 5 seconds. instance: /v1/lenders request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 retry_after: 5 pool_saturated: summary: Pool saturated value: type: >- https://developers.investorlift.com/guides/concepts/errors#pool_saturated title: Pool saturated status: 503 code: pool_saturated detail: >- No pooled connection was free. The service did not run the request. instance: /v1/lenders request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 headers: Retry-After: $ref: '#/components/headers/Retry-After' X-Request-Id: $ref: '#/components/headers/X-Request-Id' '504': description: Statement timeout (statement_timeout) content: application/problem+json: schema: $ref: '#/components/schemas/Problem' examples: statement_timeout: summary: Statement timeout value: type: >- https://developers.investorlift.com/guides/concepts/errors#statement_timeout title: Statement timeout status: 504 code: statement_timeout detail: >- The query exceeded the 10 second statement timeout. Narrow the geometry or filters. instance: /v1/lenders request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 headers: X-Request-Id: $ref: '#/components/headers/X-Request-Id' components: schemas: LenderRankingRow: type: object properties: rank: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- The row's 1-based position in this list under its sort and filters. The position continues across pages. The default list hides persons and GOVERNMENT, so it differs from the profile's rankings.rank_24m, which counts every lender. lender: $ref: '#/components/schemas/LenderRef' 'n': type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Instruments recorded in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock, counted once across both tables, inside the geography when you name one. The count takes every instrument of any kind: purchase money, refinance, HELOC and construction. For a GOVERNMENT lender it takes insurance claims and partial-claim seconds under the agency's name, not originations. With position=1 or product[] the count takes the matching instruments only. volume: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Sum of the loan amounts of the priced instruments in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock, whole dollars, inside the geography when you name one. The sum counts a blanket group once and leaves out amounts above $5,000,000. 0 when none carries a price. Position and product do not narrow it. n_unpriced: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Instruments in the window with no amount on file. Null when you name a geography, because the registry does not measure it per geography. share: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- n over every lender's instruments in the window, 0 to 1, in the geography when you name one. The denominator counts every lender, persons below the gate and placeholders included. Null with position=1 or product[], because no per-product denominator exists. n_first_lien: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Of the instruments in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock, in the geography when you name one, those whose open lien position is 1. n_heloc: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: Of the same, those with product HELOC. n_open_liens: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Open lien positions at `as_of` under the lender the open-lien table names, market-wide. open_balance: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- The open balance after the profile's exclusions, whole dollars, market-wide. 0 when none. n_parcels: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Distinct parcels carrying any of the lender's instruments, all time, market-wide. median_amount: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: Whole US dollars. - type: 'null' description: >- Median loan amount over the lender's priced instruments, market-wide, whole dollars. This is the profile's terms.amount.p50, over the window its terms block says. Null under 3. last_recorded_on: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The newest recording date, YYYY-MM-DD, inside the geography when you name one. Null when none is dated. n_purchase_money: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Of the instruments in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock, in the geography when you name one, those whose purpose is PURCHASE by the deed link. This is what purpose=purchase narrows n to and what sort=purchase_desc orders by. Null while the market has no deed link (meta.coverage[].lenders.purchase_measured false). n_investor: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Of the same, those whose borrower resolves to a registered investor. Null while the market has no borrower match. n_deals_financed: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Deals bought in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock whose purchase loan is this lender's, market-wide. Null when you name a geography, because the registry does not measure it per geography. Null also while the market has no deal link. share_by_volume: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- The lender's loan total over every lender's in the period, 0 to 1, in the geography when you name one. Both totals follow the amount rule: a blanket group once, amounts above $5,000,000 left out. 0 when the lender's total is 0 and the market's is not. Null inside a place whose volume is 0, where no instrument carries a price. Null with position, product or purpose, because no per-product denominator exists. Null under a geometry, because the registry does not measure it per geometry, and on a registry built before the place rankings. n_borrowers: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Distinct borrowers (by key) behind the lender's instruments in the period. Market-wide this is the profile's n_borrowers_24m. Inside a ZIP, city or county it is the geography's own count. Null under a geometry, because the registry does not measure it per geometry, and while the market has no borrower match. The count inside a place is also null on a registry built before the place rankings. Market-wide the count reads the borrower match, and the API serves it from 0.16.0. in_geometry: anyOf: - $ref: '#/components/schemas/LenderInGeometry' - type: 'null' description: >- What the geometry resolved to and how many of its cells carry this lender. Null without a geometry. as_of: type: string description: >- The slice date, YYYY-MM-DD. The API measures the counts at it. Dated: see meta.dated[]. dated: type: boolean description: >- True while the datasets are not in the current delivery, so the row is a snapshot at as_of. required: - rank - lender - 'n' - volume - n_unpriced - share - n_first_lien - n_heloc - n_open_liens - open_balance - n_parcels - median_amount - last_recorded_on - n_purchase_money - n_investor - n_deals_financed - share_by_volume - n_borrowers - in_geometry - as_of - dated additionalProperties: false description: >- One lender in the ranked list: its position, who it is, what it recorded in the window, in the market or in one geography. The row also says how much of that was purchase money and investor lending, and carries its open book and its typical loan. Page: type: object properties: next_cursor: description: >- Opaque cursor for the next page: pass it back as cursor= with the same query. Null on the last page. type: - string - 'null' limit: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: The page size the API applied. returned: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: Rows in this page. required: - next_cursor - limit - returned additionalProperties: false description: >- Pagination: the page size, the rows returned and the cursor for the next page. Paged lists carry no total. The summary block does. Meta: type: object properties: generated_at: type: string description: >- When the API produced this response, ISO 8601. It does not change the ETag. weights: description: >- The effective match weights, one per factor, rounded to 4 decimals (buyers/match only). The API rescales the weights of the scored factors to sum 1 before it reports them. type: object propertyNames: type: string additionalProperties: type: number reference_point: description: >- The point the API measures every distance in the response from: lat + lng, or the centre of the property_id parcel. Absent with a bare bbox. type: object properties: lat: type: number minimum: -90 maximum: 90 description: Latitude of the reference point. lng: type: number minimum: -180 maximum: 180 description: Longitude of the reference point. required: - lat - lng additionalProperties: false geometry: $ref: '#/components/schemas/MetaGeometry' description: >- The location that ran, defaults filled and keyed as the query is (see MetaGeometry), on REST only: the MCP meta carries reference_point alone. Present on every route that takes a location: the deal lists, summary and cells, the investors, wholesale listings and short-term rental parcels, and `/v1/buyers/match`. Also on the comps of a parcel, kind radius around the subject and property_id the subject, and on POST `/v1/properties/search` (a county-only body echoes nothing). The lender list and a lender's loans carry it when you gave a geometry, a zip or a city. They apply a geometry as the H3 res-8 cells whose centre lies inside it, and echo no county, because MetaGeometry has no county slot. Absent on a route with no location, and on `/v1/properties/resolve`, whose lat + lng is a hint for the nearest parcel, not an area that ran. resolved_from: description: >- Present when an id in the request was an old id from an earlier data refresh: the old ids the API followed, in order. The ids are the investor id, from the path or the investor_id filter, the agent id and the lender id. The lender id comes from the path of the lender routes, the financed_by filter or filters.financing.lender_id. Store the id the response carries, not the old one. type: array items: type: string pattern: ^(inv|agt|len)_[0-9a-f]{12}$ description: >- An investor id (inv_...), a listing agent id (agt_...) or a lender id (len_...). coverage: type: array items: $ref: '#/components/schemas/Coverage' description: >- The markets the response draws on, with their counties, data end dates and data versions. dated: description: >- Present when the response carries a block that is a dated snapshot at its as-of date, not current data. Those blocks are the financing, lien and valuation blocks of the parcel products. One entry per dated block, with its as-of date. Absent when nothing in the response is dated. type: array items: $ref: '#/components/schemas/Dated' terms: type: string description: Attribution and data-use terms for the data in this response. required: - generated_at - coverage - terms additionalProperties: false description: >- Response metadata: when the API produced it, which markets it covers, and how fresh they are. Problem: type: object properties: type: type: string description: >- URI of the problem: the Errors page of the documentation site, anchored at the code. title: type: string description: Short human-readable summary of the problem code. status: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: HTTP status. code: type: string description: >- Stable machine-readable code from the catalogue at https://developers.investorlift.com/problems.json. detail: type: string description: Human-readable explanation specific to this occurrence. instance: type: string description: Request path. request_id: type: string description: Request id to quote when you report a problem. errors: description: Per-parameter validation failures (400 only). type: array items: type: object properties: param: description: >- The offending parameter. Null when the problem is not about one parameter. type: - string - 'null' message: type: string description: What is wrong with it. code: type: string description: Machine-readable reason, for example invalid_enum_value. required: - param - message - code additionalProperties: false description: One validation failure. required: - type - title - status - code - detail - instance - request_id additionalProperties: {} description: >- RFC 9457 problem details (application/problem+json). Some codes add extra fields beside these: superseded_by, candidates, n_deals, cap, suggestion, markets, retry_after. LenderRef: type: object properties: id: type: string pattern: ^len_[0-9a-f]{12}$ description: 'The lender: the key to GET `/v1/lenders/{id}`.' name: type: string description: >- The lender's display name in the market, upper case as the file writes it, for example KIAVI FUNDING INC. A business name, which the API serves to every key. lender_class: type: string enum: - BANK - NONBANK - PRIVATE - INDIVIDUAL - GOVERNMENT description: >- A reading of the name, never a legal status. How the lender name reads. BANK: a bank, credit union or thrift. NONBANK: a mortgage company or other lending business. PRIVATE: a trust, a seller carry-back or another private party, not the hard-money sense of private lender, which the Lender object carries as is_hard_money. INDIVIDUAL: a person's name. GOVERNMENT: an agency or a public body. is_hard_money: type: boolean description: >- True when the name carries hard-money vocabulary or is a known hard-money brand, or when the book behaves like one. The profile's hard_money_basis says which, and the behaviour test needs the market's deed link. A PRIVATE lender_class is a trust or a seller carry-back, not a hard-money lender. required: - id - name - lender_class - is_hard_money additionalProperties: false description: >- The lender behind a ranking row: id, display name, class and the hard-money flag. LenderInGeometry: type: object properties: res: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- The H3 resolution the API resolved the geometry to: 8 (cells about 0.3 square miles). n_cells: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- How many res-8 cells the geometry resolved to: the cells whose centre lies inside the radius or the viewport. The list counts inside those cells, so its edge is a hex boundary, not the circle. n_cells_lent: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Of those, the cells this lender recorded at least one instrument in over the period. required: - res - n_cells - n_cells_lent additionalProperties: false description: >- What a geometry on the lender list resolved to, and how many of its cells carry this lender. The geometry resolves to the H3 res-8 cells whose centre lies inside it. MetaGeometry: type: object properties: kind: type: string enum: - radius - bbox - place description: >- Which location ran: radius, bbox or place. A radius is a point with radius_miles, or a property_id request, which runs around the parcel centroid. A bbox is a viewport. A place is a ZIP list or a postal city. lat: anyOf: - type: number minimum: -90 maximum: 90 description: WGS84 latitude. - type: 'null' description: >- The centre of the radius, or the reference point you gave beside a bbox or a place. For a property_id request the centre is the parcel centroid. Null when a bbox or a place had no reference point. lng: anyOf: - type: number minimum: -180 maximum: 180 description: WGS84 longitude. - type: 'null' description: The longitude beside lat. Null when lat is null. radius_miles: description: >- The radius that ran, in miles: the value you sent, or the default when you sent none. The default is 2 on the GET lists and 1 around property_id on POST `/v1/properties/search`. Null for a bbox or a place. type: - number - 'null' bbox: anyOf: - type: array prefixItems: - type: number minimum: -180 maximum: 180 description: West edge (longitude). - type: number minimum: -90 maximum: 90 description: South edge (latitude). - type: number minimum: -180 maximum: 180 description: East edge (longitude). - type: number minimum: -90 maximum: 90 description: North edge (latitude). items: false minItems: 4 maxItems: 4 description: '[west, south, east, north] in WGS84 degrees.' - type: 'null' description: >- The viewport as [west, south, east, north] in WGS84 degrees. Null unless kind is bbox. property_id: anyOf: - type: string pattern: ^prop_[0-9a-f]{32}$ description: >- Parcel id: prop_ followed by 32 hex characters, for example prop_e93c776c53354a88de4e58448a6bf21b. The prefix is part of the id. - type: 'null' description: >- The parcel at the centre of the radius. Null unless the request named property_id. zip: anyOf: - type: array items: type: string pattern: ^\d{5}$ - type: 'null' description: >- The ZIP list as you sent it, for example ["85251", "85257"]. Null unless kind is place and the request named ZIPs. city: description: >- The postal city as the API compared it: trimmed and folded to upper case ("Scottsdale" ran as "SCOTTSDALE"). Null unless kind is place and the request named a city. type: - string - 'null' required: - kind - lat - lng - radius_miles - bbox - property_id - zip - city additionalProperties: false description: >- The location the API computed the response over, as it ran: defaults filled, a parcel resolved to its centroid, a city folded. Copy it back as the query to repeat the request. Coverage: type: object properties: market: type: string description: Market code, for example phx. One entry per loaded market. state: type: string description: >- 2-letter state of the market. The loaded markets and their states are in meta.coverage[]. counties: type: array items: type: object properties: fips: type: string description: The 5-digit county FIPS code, for example 04013. name: type: string description: County name, for example Maricopa. data_end: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The last deed date on file for this county, YYYY-MM-DD. Null when the county carries no dated deed. required: - fips - name - data_end additionalProperties: false description: One county the loaded area lies in. description: >- The counties the loaded area lies in, each with its own data end date. For a zip market the list names the county, but the loaded area is only the ZIP (see universe_kind). bbox: type: array prefixItems: - type: number minimum: -180 maximum: 180 description: West edge (longitude). - type: number minimum: -90 maximum: 90 description: South edge (latitude). - type: number minimum: -180 maximum: 180 description: East edge (longitude). - type: number minimum: -90 maximum: 90 description: North edge (latitude). items: false minItems: 4 maxItems: 4 description: >- The rectangle (west, south, east, north) that encloses every deal in the market: the initial map viewport and, with point_tolerance_miles, the limit for outside_coverage. data_end: type: string description: >- The last deed date in the data, YYYY-MM-DD. The API measures every "days since" value from this data_end, never from the request time. build_run_id: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Which pipeline build produced the data. Informational: use dataset_version for caching. Null when the data does not record it. registry_run: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Which investor registry run produced the data. Informational: use dataset_version for caching. Null when the data does not record it. registry_version: description: >- Which registry code version produced the data. Informational: use dataset_version for caching. Null when the data does not record it. type: - string - 'null' dataset_version: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Version of the loaded data, an integer that grows with every refresh. It is the cache key and the ETag, and every cursor binds to it. loaded_at: type: string description: When this data version went live, ISO 8601. metro_buy_to_resale_ratio: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- The median of purchase price divided by resale price over the market's priced flips since 2021. For example, 0.72 means flippers pay about 72% of the resale price. The price_fit factor uses it when an investor has too few flips of their own. Null when no priced flips exist. universe_kind: anyOf: - type: string enum: - zip - county - metro description: >- The area every count in this market covers: metro, county or zip. A metro market covers whole counties. A county market covers one county. The market cannot see what an investor did in the neighbouring counties. A zip market covers one or more ZIP codes. The market cannot see what an investor did outside them, a larger gap. In a county or zip market every investor count, price band, scale tier and confidence is a floor. - type: 'null' description: >- Null when the market row does not record it, a seed older than the column. The area every count in this market covers: metro, county or zip. A metro market covers whole counties. A county market covers one county. The market cannot see what an investor did in the neighbouring counties. A zip market covers one or more ZIP codes. The market cannot see what an investor did outside them, a larger gap. In a county or zip market every investor count, price band, scale tier and confidence is a floor. universe_zips: anyOf: - type: array items: type: string description: A 5-digit ZIP. - type: 'null' description: >- The ZIP codes of a zip universe, for example ["77088"]. Null for county and metro markets. point_tolerance_miles: type: number description: >- How far outside bbox a point can lie and get an answer, in miles: 20 for a metro, 2 for a county market. The point is lat + lng, or the centre of a property_id parcel. Farther out, the API answers 422 outside_coverage. A bbox must intersect the coverage bbox. n_parcels: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Parcels in the loaded area, the universe every count covers. Null when the data does not record it. listings_data_end: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The as-of date of the MLS listing feed for this market, YYYY-MM-DD: the newest status update among its listing rows, later than data_end. The deeds and the listings arrive in one delivery, each with its own end. The API measures every listing window (days_on_market, n_listed_12m) against this date. Null when this market has no published listing tables. Every listing block and listings rollup is null then, and the correct reading is "no listing data". agents_data_end: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The as-of date of the listing set behind the agent registry of this market, YYYY-MM-DD. It equals listings_data_end when the registry is current. It is earlier when a refresh moved the listings but left the agents on the older set. Null when this market has no published agent tables. Then every agent_id, identity_basis and agent_is_holder_member on the listing agents is null, and the investor profile carries has_licensed_member and agent_links null. The /v1/agents routes then answer 422 agents_unavailable. wholesale_as_of: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The date of the Investorlift export behind the market's wholesale transactions, YYYY-MM-DD. Every Investorlift listing published up to this date is on file. The API measures every wholesale window (n_listed_12m, n_bought_via_investorlift_12m) against the deed data_end. Null when this market has no published wholesale tables. Then every wholesale_listing block on deal rows, wholesale_purchases block on investor rows and wholesale_listings[] on a parcel is null. Then /v1/wholesale-listings, /v1/wholesalers, `/v1/investors/{id}/wholesale-purchases` and the source=investorlift and bought_on_investorlift filters answer 422 wholesale_unavailable. str_as_of: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The short-term rental snapshot of this market, YYYY-MM-DD: the oldest snapshot date among its served jurisdictions. Each jurisdiction's own date is in str.jurisdictions[].snapshot_date and on every block as data_as_of. Null when this market has no published short-term rental tables, or when the API serves none of its jurisdictions. Then every short_term_rental block on parcels and hold rows and every str roll-up on investor rows is null. Then the str_status, str_business_use, str_operator and str_holdings_min filters and /v1/str-parcels answer 422 str_unavailable. str: anyOf: - type: object properties: jurisdictions: type: array items: $ref: '#/components/schemas/StrCoverageJurisdiction' description: >- Every city of the market the short-term rental build knows, served or not. This list, not the parcel, explains a null block on a parcel: read the city's coverage_reason. required: - jurisdictions additionalProperties: false - type: 'null' description: >- The short-term rental jurisdiction table of this market. Null when this market has no published short-term rental tables. auction_counted: type: boolean description: >- True when this market measures the foreclosure-auction and REO purchase counts. Then every investor row carries the auction block (investor.auction) and deal rows carry bought_auction_kind. False when the market's registry build came before the counts existed. Then the block is null on every investor of the market, and bought_auction_kind is null on every deal. The buys_at_auction, buys_reo and bought_auction_kind filters then answer 422 auction_unavailable. parcel_as_of: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The deed data end that the build of the parcel product layer used, YYYY-MM-DD. The layer serves POST /v1/properties/search and the financing, permit and history routes. Null when this market has no published parcel product tables: those routes then answer 422 parcels_unavailable. address_as_of: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The deed data end of the address table behind GET /v1/properties/resolve?address, YYYY-MM-DD. Null when this market has no published address table. The address lookup answers 422 addresses_unavailable while no market carries the table. parcel: anyOf: - $ref: '#/components/schemas/ParcelCoverage' - type: 'null' description: >- What the parcel products cover in this market. The parts are the layer, the dated financing slice, the permit snapshot, the Owner Profile block and the history lake with its ZIP set. Null when this market has no published parcel product tables. lenders: anyOf: - type: object properties: as_of: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The slice date behind the lender registry, YYYY-MM-DD. It equals parcel.financing.as_of. recordings_through: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The newest recording date in either source table, YYYY-MM-DD. The API measures every recency on a lender against this date. counties: type: array items: type: string description: A 5-digit county FIPS. description: >- The counties the lender registry covers. A ZIP, city or county outside them answers 422 outside_coverage. history_capture_share: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- The share of open lien positions recorded since 2022 that the recorded history also carries within 3 days, 0 to 1. It says how much of the open table the history sees. n_lender_ids: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Lender ids served in the market: the identities with a profile, after the person gate. parcel.financing.n_lenders counts raw spellings, several per id. purchase_measured: type: boolean description: >- True when the market has the deed link. Then the API serves purpose and the deed block on the loan rows, and the purchase-money counts and ranks on the lenders. It also serves the lender list's purpose, investor_only and purchase_desc parameters. False on a registry built before the deed link: every such value is null, and those parameters answer 422 lenders_unavailable. investor_lending_measured: type: boolean description: >- True when the market has the deal link and the borrower match. Then the API serves the deal block, outcome and investor ids on the loan rows, and the investor_lending block on the profiles. It also serves the financing block on deal rows and the financing sidecar on investor profiles. False otherwise: every one of those is null. flips_measured: type: boolean description: >- True when the market measures the flips each lender financed, the flips_financed block on the profiles. False otherwise: the block is null. borrowers_measured: type: boolean description: >- True when the market has the borrower fold. Then the API serves borrower keys on the loan rows, the borrowers block on the profiles, GET `/v1/lenders/{id}/borrowers` and the financed_by and uses_private_lender filters. False otherwise: the block is null, and the route and the filters answer 422 lenders_unavailable. takebacks_measured: type: boolean description: >- True when the registry of this market includes the foreclosure take-backs. That needs the auction deed tables built and the lender members present. Then the API serves the takebacks block on the profiles, the foreclosed block on the loan rows and the FORECLOSED outcome. False otherwise: the block is null on every profile, and foreclosed is null on every loan row. counties_measured: type: boolean description: >- True when the market has more than one loaded county, so a county ranking means something: rankings.n_counties_ranked_first_24m on the profiles. False while the slice covers one county: that count is null. dated: description: >- True when the registry is a snapshot valued at as_of, like the financing slice behind it. The API stamps every value from it in meta.dated[] as the lenders block. Null on a registry row that does not record it, a row older than the column. type: - boolean - 'null' n_parcels_uncovered: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Parcels of the market outside the counties the registry covers. Such a county is one the financing slice does not reach. Null when the row does not record it. required: - as_of - recordings_through - counties - history_capture_share - n_lender_ids - purchase_measured - investor_lending_measured - flips_measured - borrowers_measured - takebacks_measured - counties_measured - dated - n_parcels_uncovered additionalProperties: false - type: 'null' description: >- The lender registry of this market. Null when this market has no published lender tables: every /v1/lenders route then answers 422 lenders_unavailable. required: - market - state - counties - bbox - data_end - build_run_id - registry_run - registry_version - dataset_version - loaded_at - metro_buy_to_resale_ratio - universe_kind - universe_zips - point_tolerance_miles - n_parcels - listings_data_end - agents_data_end - wholesale_as_of - str_as_of - str - auction_counted - parcel_as_of - address_as_of - parcel - lenders additionalProperties: false description: >- One loaded market: the area its counts cover (universe_kind), the counties it lies in, how fresh it is, and its data version. Dated: type: object properties: block: type: string enum: - valuation - financing - liens - lenders description: >- The block of the response that is a snapshot at as_of, not current data. The values are valuation (the AVM, equity and LTV), financing (open liens and mortgage history), liens (involuntary liens) and lenders. The lenders block is the lender registry and every count on it, built from the same slice. as_of: type: string description: >- The date of the delivery that valued the snapshot, YYYY-MM-DD: the same date as meta.coverage[].parcel.financing.as_of for the market. reason: type: string description: >- Why the block is dated, in one sentence: the dataset is not in the current delivery. required: - block - as_of - reason additionalProperties: false description: >- One block of the response that is a dated snapshot. Every response that carries a value from a dated block lists it here. A caller that cannot use dated data passes require_current: true. The API then answers 422 dated_refused instead. StrCoverageJurisdiction: type: object properties: name: type: string description: >- The jurisdiction, upper case, for example SCOTTSDALE, PHOENIX or HOUSTON: the city-limit polygon the parcel falls in, never the postal city. The same value as short_term_rental.coverage.jurisdiction on the parcels inside it. regime: anyOf: - type: string enum: - REQUIRED - NOT_REQUIRED - UNKNOWN description: >- The city's rule on a short-term rental licence or permit. REQUIRED: an ordinance requires one. NOT_REQUIRED: the city has no requirement, so no roll exists. UNKNOWN: the survey did not cover the city. Null when the market row does not record it. - type: 'null' description: >- Null when the market row does not record it. The city's rule on a short-term rental licence or permit. REQUIRED: an ordinance requires one. NOT_REQUIRED: the city has no requirement, so no roll exists. UNKNOWN: the survey did not cover the city. Null when the market row does not record it. coverage_reason: anyOf: - type: string enum: - LOADED_SERVED - LOADED_UNVALIDATED - LOADED_COUNTS_ONLY - REQUIRED_NOT_PUBLISHED - NO_REQUIREMENT - NOT_SURVEYED description: >- Why parcels of this jurisdiction carry, or do not carry, a short-term rental block. LOADED_SERVED: the city's roll is on file, matched to parcels and served, so every parcel inside carries a block, NONE when it has no record. LOADED_UNVALIDATED: the roll is on file and matched, but without a spot check, so the block is present with status null and coverage.served false. LOADED_COUNTS_ONLY: the roll is on file for counts only, because no parcel match is possible for the file, so no block. No block for REQUIRED_NOT_PUBLISHED (licence required, no roll published), NO_REQUIREMENT (no licence required) or NOT_SURVEYED (outside the survey). Null when the market row does not record it. - type: 'null' description: >- Null when the market row does not record it. Why parcels of this jurisdiction carry, or do not carry, a short-term rental block. LOADED_SERVED: the city's roll is on file, matched to parcels and served, so every parcel inside carries a block, NONE when it has no record. LOADED_UNVALIDATED: the roll is on file and matched, but without a spot check, so the block is present with status null and coverage.served false. LOADED_COUNTS_ONLY: the roll is on file for counts only, because no parcel match is possible for the file, so no block. No block for REQUIRED_NOT_PUBLISHED (licence required, no roll published), NO_REQUIREMENT (no licence required) or NOT_SURVEYED (outside the survey). Null when the market row does not record it. served: type: boolean description: >- True when parcels inside this jurisdiction carry a measured status (LICENSED, PENDING, EXPIRED or NONE). False when they carry a block with status null, or no block at all: coverage_reason says why. snapshot_only: type: boolean description: >- True when the roll came from a single pull and has no weekly feed (Fountain Hills, Cave Creek). Its dates are the pull date, and the API never sets feed_stale. licence_start: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The earliest possible date of a licence in this jurisdiction, the day its ordinance took effect, YYYY-MM-DD, for example 2025-10-01 for Houston. Null when unknown, or when the city requires no licence. snapshot_date: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The snapshot the served blocks read, YYYY-MM-DD: short_term_rental.data_as_of on every parcel inside. Null when no roll is on file. feed_stale: type: boolean description: >- True when this week's feed failed the freshness rule and the API serves the last good snapshot instead. Every block inside then carries coverage.feed_stale true. False otherwise. sources: type: array items: $ref: '#/components/schemas/StrCoverageSource' description: >- The city files behind this jurisdiction, each with its newest load date and its stale flag. Empty when no roll is on file. n_licensed: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Parcels inside with status LICENSED on this snapshot. Null when no roll is on file. n_pending: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: Parcels inside with status PENDING. Null when no roll is on file. n_expired: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: Parcels inside with status EXPIRED. Null when no roll is on file. n_advertised: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Parcels the city lists as advertised without a licence, Scottsdale only. The API counts them and never serves them as a status. Null when the city publishes no such list. share_unmatched: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- The share of the city's records that matched no parcel, 0 to 1, for example 0.04. Null when no roll is on file. share_assumed: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- The share of attributed parcels with attribution_basis ASSUMED, 0 to 1. ASSUMED means the attribution has no date, no name and no regime bound. Null when no roll is on file. required: - name - regime - coverage_reason - served - snapshot_only - licence_start - snapshot_date - feed_stale - sources - n_licensed - n_pending - n_expired - n_advertised - share_unmatched - share_assumed additionalProperties: false description: >- One city of the market in the short-term rental build. It says if the licence roll is on file and served, how fresh it is, and what it counts. It explains a null short_term_rental block on a parcel: the block is null where the API does not serve the jurisdiction. ParcelCoverage: type: object properties: parcel_as_of: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: The deed data end that the parcel layer build used, YYYY-MM-DD. n_parcels: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: Parcels in the layer for this market. sale_mortgage_measured: type: boolean description: >- True when the delivery records a purchase mortgage on at least one priced last sale in five of the market. Then cash_sale_proxy, the sale.cash_sale filter and the cash-buyer quicklist are measured. False below that bar, as in the 2026 deliveries, which carry the column empty. Then cash_sale_proxy is null on every parcel, and the filter and the quicklist answer 422 cash_sale_unavailable. financing: anyOf: - type: object properties: as_of: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The date of the delivery that valued the financing, lien and valuation slice, YYYY-MM-DD. dated: type: boolean description: >- True while the Recorder & Mortgage and AVM datasets are not in the current delivery, so the slice stays at as_of. The API then stamps every value from the slice in meta.dated[]. dated_reason: description: Why the slice is dated. type: - string - 'null' n_parcels: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: Parcels with a row in the slice. n_with_open_lien: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: Parcels with at least one open lien at as_of. n_free_and_clear: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: Parcels with zero open liens at as_of. n_avm: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: Parcels with an AVM at as_of. n_involuntary: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: Parcels with an involuntary lien at as_of. n_lenders: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Distinct raw lender spellings over the two lien tables, not registry ids. For registry ids, read meta.coverage[].lenders.n_lender_ids. required: - as_of - dated - dated_reason - n_parcels - n_with_open_lien - n_free_and_clear - n_avm - n_involuntary - n_lenders additionalProperties: false - type: 'null' description: The financing slice. Null when this market has none. permits: anyOf: - type: object properties: as_of: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The effective date of the loaded permit snapshot, YYYY-MM-DD. n_permits: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: Permits served for this market. n_parcels: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: Parcels with at least one permit. n_unmatched: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Permits in the county file that landed on no parcel of the market, so the API does not serve them. jurisdictions: anyOf: - type: array items: type: object properties: jurisdiction: type: - string - 'null' n_permits: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' last_issue_date: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' windows_measured: description: >- True when the jurisdiction issued a permit in the 12 months before as_of. False when it did not: its feed is stale, so its parcels carry null 24-month and 36-month windows. The rule applies in every market. Read those null windows (n_permits_24m, n_open_permits_12m, major_work_36m, tags_24m, job_value_24m) as unmeasured, not as permit-free. The negative permit filters of the search leave such parcels out. Null only on a coverage row built before the flag existed. type: - boolean - 'null' required: - jurisdiction - n_permits - last_issue_date - windows_measured additionalProperties: false - type: 'null' description: >- The issuing jurisdictions, largest first, each with its permit count, its newest issue date and its windows_measured flag. required: - as_of - n_permits - n_parcels - n_unmatched - jurisdictions additionalProperties: false - type: 'null' description: The permit snapshot. Null when this market has none. owner_profile: anyOf: - type: object properties: as_of: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The date of the delivery the Owner Profile block comes from, YYYY-MM-DD. n_parcels: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: Parcels carrying a profile. n_multi: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: Parcels whose owner holds two or more properties. n_portfolio_5: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: Parcels whose owner holds five or more. required: - as_of - n_parcels - n_multi - n_portfolio_5 additionalProperties: false - type: 'null' description: The Owner Profile block. Null when this market has none. history: anyOf: - type: object properties: first_week: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The first weekly file the history lake replayed (the baseline FULL). last_week: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: The last weekly file replayed. zips: anyOf: - type: array items: type: string - type: 'null' description: >- The ZIP codes the history lake covers. A parcel outside them has no history: `GET /v1/properties/{id}/history` answers 422 history_unavailable and the history block is null. n_parcels: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: Parcels observed in the ZIP set. n_events: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: Typed events on record. n_weeks: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: Weekly files replayed. domains: anyOf: - type: object propertyNames: type: string additionalProperties: type: object properties: first_week: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' last_week: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' n_events: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' required: - first_week - last_week - n_events additionalProperties: false - type: 'null' description: >- Per domain, the weeks the lake covers it. Valuation and financing end at the financing slice date, financing.as_of. The rest run to last_week. required: - first_week - last_week - zips - n_parcels - n_events - n_weeks - domains additionalProperties: false - type: 'null' description: The history lake. Null when this market has none. required: - parcel_as_of - n_parcels - sale_mortgage_measured - financing - permits - owner_profile - history additionalProperties: false description: >- What the parcel products cover in one market. The parts are the parcel layer, the dated financing slice, the permit snapshot, the Owner Profile block and the history lake. Each carries its as-of date and counts. StrCoverageSource: type: object properties: source: type: string description: >- The source code of one city file, for example S1 (the Scottsdale licensed roll), P1 (the Phoenix active permits layer) or COH (the Houston registry). snapshot_date: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The date of the newest load of this source, YYYY-MM-DD. Null before the first load of this source. stale: type: boolean description: >- True when the newest load failed the freshness rule and the API still serves the previous snapshot. A load fails the rule when the count moved more than 30 percent, or when its newest date is more than 14 days old. required: - source - snapshot_date - stale additionalProperties: false description: >- One city file behind a jurisdiction's short-term rental data: the date of its newest load, and if that load is stale. headers: ETag: description: >- The entity tag of the answer, derived from the dataset version of the markets in the response and from the representation, not from the body. It moves only when a refresh rebuilds the tables of a market. On a JSON route, send it back as If-None-Match, and an unchanged dataset answers 304 with no body. The API streams an export whatever the tag. GET /v1/dataset runs no query, so it is the lowest-cost place to send the tag. On every 2xx and the 304, never on an error. schema: type: string X-Request-Id: description: >- The id of this call. The edge mints it and also sends it as zp-rid, the gateway's own name for it. The API keys its log line for the call on it, and every error body repeats it as request_id. Log it on every response, not only on errors. A refusal the gateway answers itself carries zp-rid and request_id alone. Those refusals are a 401, a 403 quota_exceeded and a 429 at the limit of the plan. schema: type: string X-Rows: description: >- How many rows the body carries: data.length on a list, 1 on a single record. The size of the body, not a charge. Absent on a streamed export, whose count the API knows only when the stream ends, and on a 304. schema: type: integer minimum: 0 X-Dataset-Version: description: >- The dataset version of every market in the response, as market=version pairs joined by commas (phx=1788469819 for one market). The header carries one pair per loaded market. The figures are the same as meta.coverage[].dataset_version, and you can read them without parsing the body. A version moves only when a refresh rebuilds the tables of the market, so fold the label into cache keys. On every 2xx and the 304, never on an error. Absent when the answer names no market: an empty deployment, or a GET /v1/coverage lookup outside every market. schema: type: string X-Data-End: description: >- The last deed date of every market in the response, as market=YYYY-MM-DD pairs joined by commas (phx=2026-08-12 for one market). The header carries one pair per loaded market. The dates are the same as meta.coverage[].data_end. On every 2xx and the 304, never on an error. Absent when the answer names no market: an empty deployment, or a GET /v1/coverage lookup outside every market. schema: type: string Retry-After: description: >- Whole seconds to wait before you retry, never below 1. On a 429, the seconds until the spent bucket refills. On a 503, 1 for pool_saturated and 5 for ledger_unavailable, and none for database_unavailable. On a 403 plan_limit for the name-search day cap, the seconds to the next UTC midnight, when the cap resets. The other plan limits carry none. The body repeats it as retry_after on the 429, the ledger refusal and the day cap. schema: type: integer minimum: 1 securitySchemes: bearerAuth: type: http scheme: bearer description: >- API key from the developer console (starts with zpka_). Create one at https://developers.investorlift.com/get-a-key. ```` ## Related topics - [Rank one lender by place or by month](/api-reference/endpoints/lenders-rankings.md) - [Rank the lenders of a market, a ZIP, city, county or geometry](/api-reference/lenders/rank-the-lenders-of-a-market-a-zip-city-county-or-geometry.md) - [The Lender object](/api-reference/objects/lender.md) - [The Lender ranking row](/api-reference/objects/lender-ranking.md) - [The Lender ranking bucket](/api-reference/objects/lender-ranking-bucket.md)