Yacht.Loans: boat loan calculator, sales tax and lender terms

{
  "type": "object",
  "required": [
    "price",
    "apr_pct",
    "term_years"
  ],
  "properties": {
    "price": {
      "type": "number",
      "maximum": 100000000,
      "minimum": 1000,
      "description": "Purchase price of the boat in US dollars, e.g. 450000."
    },
    "state": {
      "type": "string",
      "pattern": "^[A-Za-z]{2}$",
      "description": "Two-letter code of the state where the boat is taxed; applies that state's rate and cap from https://yacht.loans/boat-sales-tax-by-state/. Usable: CT, FL, MD, NJ, NC, RI, SC, TX, VA. Omit to give sales_tax_pct instead."
    },
    "apr_pct": {
      "type": "number",
      "maximum": 30,
      "minimum": 0,
      "description": "APR in percent from the borrower's own quote, e.g. 8.25. This server has no rate of its own; lenders' published ranges are in list_boat_lender_terms."
    },
    "term_years": {
      "type": "integer",
      "maximum": 30,
      "minimum": 1,
      "description": "Loan term in years, e.g. 15 (the site offers 5, 7, 10, 12, 15 and 20)."
    },
    "down_payment": {
      "type": "number",
      "maximum": 100000000,
      "minimum": 0,
      "description": "Down payment in dollars. Default 0. Give this or down_payment_pct, not both."
    },
    "closing_costs": {
      "type": "number",
      "maximum": 10000000,
      "minimum": 0,
      "description": "Documentation, title and registration costs in dollars. Default 0."
    },
    "sales_tax_cap": {
      "type": "number",
      "maximum": 10000000,
      "minimum": 0,
      "description": "Maximum sales tax in dollars with sales_tax_pct, 0 = no cap. Default 0."
    },
    "sales_tax_pct": {
      "type": "number",
      "maximum": 15,
      "minimum": 0,
      "description": "Your own sales tax rate in percent, used when state is omitted. Default 0."
    },
    "down_payment_pct": {
      "type": "number",
      "maximum": 100,
      "minimum": 0,
      "description": "Down payment as a percent of the price, e.g. 20. Give this or down_payment, not both."
    },
    "amortization_years": {
      "type": "integer",
      "maximum": 30,
      "minimum": 1,
      "description": "Years the payments are figured over. Default = term_years (no balloon). Longer than the term leaves a balloon, e.g. term 15 figured over 20. Shorter than the term is raised to the term, as on the site."
    },
    "insurance_per_year": {
      "type": "number",
      "maximum": 10000000,
      "minimum": 0,
      "description": "Annual insurance premium in dollars from the agent's quote. Default 0."
    },
    "finance_tax_and_fees": {
      "type": "boolean",
      "description": "Roll the sales tax and closing costs into the loan (true, default, as on the site) or pay them at closing (false)."
    }
  },
  "additionalProperties": false
}

{
  "type": "object",
  "properties": {
    "years": {
      "type": "integer",
      "maximum": 5,
      "minimum": 1,
      "description": "Years the recreational endorsement runs, 1 to 5 ($26.00 for each year past the first). Default 5."
    },
    "mortgage_pages": {
      "type": "integer",
      "maximum": 200,
      "minimum": 0,
      "description": "Pages of the preferred mortgage to record at $4.00 a page; 0 if not financed. Default 12 (an assumption; count your own)."
    },
    "already_documented": {
      "type": "boolean",
      "description": "true (default) if the boat is already documented, so the certificate is exchanged into your name ($84.00); false if it has never been documented (initial certificate, $133.00)."
    },
    "bill_of_sale_pages": {
      "type": "integer",
      "maximum": 50,
      "minimum": 0,
      "description": "Pages of the bill of sale to record at $8.00 a page; 0 if none is filed. Default 2 (an assumption; count your own)."
    }
  },
  "additionalProperties": false
}

{
  "type": "object",
  "properties": {
    "state": {
      "type": "string",
      "description": "Two-letter state code or state name, e.g. FL or \"New Jersey\". Omit to list all covered states."
    }
  },
  "additionalProperties": false
}

{
  "type": "object",
  "properties": {
    "kind": {
      "enum": [
        "bank",
        "credit_union",
        "marine_lender_or_broker",
        "unsecured"
      ],
      "type": "string",
      "description": "Only this type of lender: bank, credit_union, marine_lender_or_broker or unsecured."
    },
    "name": {
      "type": "string",
      "maxLength": 60,
      "minLength": 2,
      "description": "Part of a lender name, e.g. \"Truist\" or \"Navy Federal\"."
    }
  },
  "additionalProperties": false
}