> ## Documentation Index > Fetch the complete documentation index at: https://docs.skortorent.com/llms.txt > Use this file to discover all available pages before exploring further. # Calculate application decision > Calculate the decision-engine result for an application and its linked property using current saved profiles, income selections, rent and policy settings. Returns income, effort rates, applicant scores, aggregated pillars, hard-fail reasons, recommendations and the final verdict. Includes accepted participants with existing profiles and their linked guarantors. This read-only endpoint requires access through your modular API key and does not save the result. ## OpenAPI ````yaml /api-reference/openapi.yaml get /applications/{applicationId}/decision-engine openapi: 3.1.0 info: title: SKOR Modular API version: 1.0.0 description: > ## Overview This is the SKOR Modular API v1. It provides access to tenant workflows, API keys, webhooks, document processing, identity verification, banking connectivity, and forensic analysis. ## Error Statuses The API uses standard HTTP status codes to indicate the success or failure of requests. Each error response provides guidance to help identify the issue and take corrective action. ### Success — `200 OK` The request was processed successfully and the expected response data is returned. ### Validation Error — `400 Bad Request` The request is invalid due to missing, malformed, or incorrect parameters. **Common causes:** - Required fields are missing from the request. - Invalid data formats or unsupported values are provided. - File size or payload limits are exceeded. **How to resolve:** - Verify all required parameters are present. - Ensure the request payload matches the documented schema. - Validate data formats and constraints before retrying. ### Unauthorized — `401 Unauthorized` Authentication failed or the provided token is missing or invalid. **Common causes:** - The `Authorization` header is missing. - An invalid or expired bearer token is provided. **How to resolve:** - Ensure the token is included in the request as an `Authorization: Bearer ` header. - Verify the token is valid and has not expired. - Generate a new token if required. ### Not Found — `404 Not Found` The requested resource does not exist or is not accessible. **Common causes:** - An invalid or non-existent resource identifier. - The resource has not been created or has been deleted. **How to resolve:** - Confirm the resource identifier is correct. - Ensure the resource exists before accessing it. ### Server Error — `500 Internal Server Error` An unexpected error occurred on the server while processing the request. **How to resolve:** - Retry the request after a short delay. - If the issue persists, **[contact us](mailto:info@skortorent.com)** with relevant request details. ### Need Help? If you encounter unexpected behavior, please **[contact us](mailto:info@skortorent.com)** for assistance. servers: - url: https://api.skortorent.com/api/v1 description: Live - url: https://dev-api.skortorent.com/api/v1 description: Sandbox security: - BearerAuth: [] paths: /applications/{applicationId}/decision-engine: get: tags: - Applications summary: Calculate application decision description: > Calculate the decision-engine result for an application and its linked property using current saved profiles, income selections, rent and policy settings. Returns income, effort rates, applicant scores, aggregated pillars, hard-fail reasons, recommendations and the final verdict. Includes accepted participants with existing profiles and their linked guarantors. This read-only endpoint requires access through your modular API key and does not save the result. operationId: getApplicationDecisionEngine parameters: - name: applicationId in: path required: true description: Application owned by your API key. schema: type: string pattern: ^[a-fA-F0-9]{24}$ - name: propertyId in: query required: true description: >- Linked active property owned by the key’s landlord. Its report_rent supplies the monthly rent. schema: type: string pattern: ^[a-fA-F0-9]{24}$ - name: workspaceId in: query required: false description: >- Authorized workspace Mongo ObjectId. Required when the property/shared-profile context has multiple authorized workspaces. schema: type: string pattern: ^[a-fA-F0-9]{24}$ responses: '200': description: Decision engine calculation completed content: application/json: schema: type: object properties: status: type: string enum: - success message: type: string data: $ref: '#/components/schemas/ApplicationDecisionEngineResult' example: status: success message: Decision engine calculation completed data: application_id: '100000000000000000000001' property_id: '200000000000000000000001' workspace_id: '500000000000000000000001' shared_profile_id: '700000000000000000000001' rent: 900 calculated_at: '2026-10-26T12:00:00.000Z' engine: DECISION income: tenants: 3000 guarantors: 0 combined: 3000 household_effort_rate: 30 aggregation_strategy: MIN aggregated_pillars: INCOME_AFFORDABILITY: 95 EMPLOYMENT_STABILITY: 87.5 FINANCIAL_BEHAVIOUR: 52 CREDIT_DEFAULT_RISK: 90 DOCUMENTATION_STRENGTH: 90 is_hard_fail: false final_score: 82.9 applicant_count: 1 decision: Approved recommendation: [] recommendation_flags: add_guarantor: false add_more_guarantor: false buy_insurance: false complete_profile: false recommendation_codes: [] applicants: - id: '600000000000000000000001' name: Synthetic tenant role: tenant declared_role: tenant income: source_amounts: - source: bank amount: 3000 amount: 3000 sources: - bank source_mode: avg payslip_ids: [] payslip_fields: [] tax_ids: [] other_income_ids: [] effort_rate: 30 effort_rate_type: tenant policy_inputs: kyc_aml_fail_check: {} TENURE: 24 EMPLOYMENT_PREDICTABILITY: stable INCOME_CONSISTENCY: 81.82 INCOME_VERIFICATION: - source: Bank Connection amount: 3000 verified: true - source: Self-declared amount: 30000 verified: false EFFORT_RATE_SCORE: 30 FINANCIAL_SKOR: 70 BANK_BEHAVIOUR: null RENT_PAYMENT_BEHAVIOUR: 0 DEFAULT_HISTORY: No defaults ever RISK_MITIGATION_SUB_SCORE: Eligible but not taken DOCUMENTATION: 0 FORENSICS: null MISSING_DOCS: [] sub_scores: EFFORT_RATE_SCORE: score: 95 label: Low TENURE: score: 90 label: Low INCOME_CONSISTENCY: score: 20 label: High FINANCIAL_SKOR: score: 20 label: High DOCUMENTATION: score: 90 label: Low BANK_BEHAVIOUR: score: 30 label: No data FORENSICS: score: 30 label: No data RENT_PAYMENT_BEHAVIOUR: score: 90 label: Low EMPLOYMENT_PREDICTABILITY: score: 85 label: Stable INCOME_VERIFICATION: score: 74 label: Bank Connection & Self-declared RISK_MITIGATION_SUB_SCORE: score: 80 label: Eligible but not taken DEFAULT_HISTORY: score: 90 label: No defaults ever pillars: INCOME_AFFORDABILITY: 95 EMPLOYMENT_STABILITY: 87.5 FINANCIAL_BEHAVIOUR: 52 CREDIT_DEFAULT_RISK: 90 DOCUMENTATION_STRENGTH: 90 final_score: 82.9 is_hard_fail: false hard_fails: [] missing_documents: [] '400': description: >- Missing or malformed IDs, ambiguous workspace, or workspace outside the authorized property/shared-profile context. content: application/json: schema: type: object properties: status: type: string enum: - error message: type: string errors: type: object additionalProperties: true description: >- Optional diagnostics such as code, field, workspaceIds or excludedParticipants. Error diagnostics retain their existing keys. '401': description: Missing, invalid or expired modular bearer token. content: application/json: schema: type: object properties: status: type: string enum: - error message: type: string errors: type: object additionalProperties: true description: >- Optional diagnostics such as code, field, workspaceIds or excludedParticipants. Error diagnostics retain their existing keys. '403': description: The API key is not linked to a landlord. content: application/json: schema: type: object properties: status: type: string enum: - error message: type: string errors: type: object additionalProperties: true description: >- Optional diagnostics such as code, field, workspaceIds or excludedParticipants. Error diagnostics retain their existing keys. '404': description: >- Application or active property is inaccessible, or the application is not linked to the property for this landlord. content: application/json: schema: type: object properties: status: type: string enum: - error message: type: string errors: type: object additionalProperties: true description: >- Optional diagnostics such as code, field, workspaceIds or excludedParticipants. Error diagnostics retain their existing keys. '422': description: >- No eligible participants, missing/nonpositive report_rent, or missing/invalid scoring configuration. content: application/json: schema: type: object properties: status: type: string enum: - error message: type: string errors: type: object additionalProperties: true description: >- Optional diagnostics such as code, field, workspaceIds or excludedParticipants. Error diagnostics retain their existing keys. '500': description: >- A required data lookup or calculation failed. No partial verdict is returned. content: application/json: schema: type: object properties: status: type: string enum: - error message: type: string errors: type: object additionalProperties: true description: >- Optional diagnostics such as code, field, workspaceIds or excludedParticipants. Error diagnostics retain their existing keys. components: schemas: ApplicationDecisionEngineResult: type: object properties: application_id: type: string property_id: type: string workspace_id: type: string shared_profile_id: type: string rent: type: number description: Saved positive property report_rent, in EUR per month. calculated_at: type: string format: date-time engine: type: string enum: - DECISION income: type: object properties: tenants: type: number guarantors: type: number combined: type: number household_effort_rate: type: number aggregation_strategy: type: string enum: - MIN - MAX - MEAN aggregated_pillars: type: object additionalProperties: type: number is_hard_fail: type: boolean final_score: type: number description: >- Case score. A hard failure sets this to zero even though diagnostic applicant scores remain available. applicant_count: type: integer decision: type: string enum: - Approved - Conditional - Rejected recommendation: type: array items: type: string recommendation_flags: type: object properties: add_guarantor: type: boolean add_more_guarantor: type: boolean buy_insurance: type: boolean complete_profile: type: boolean recommendation_codes: type: array items: type: string description: >- Recommendation codes, such as HARD_FAIL, SCORE_BELOW_THRESHOLD, addGuarantor or buyInsurance. applicants: type: array items: $ref: '#/components/schemas/DecisionEngineApplicant' DecisionEngineApplicant: type: object properties: id: type: string name: type: string role: type: string enum: - tenant - guarantor declared_role: type: string description: >- Application participant role. Omitted for linked guarantor entries. The frontend calculation treats application participants as tenants regardless of this declared role. income: $ref: '#/components/schemas/DecisionEngineIncome' effort_rate: type: number description: >- Household effort rate for tenants; individual guarantor income against full property rent for guarantors. effort_rate_type: type: string enum: - tenant - guarantor - both description: >- Income inclusion setting for application participants; omitted for linked guarantors. policy_inputs: type: object additionalProperties: true description: >- Extracted policy inputs used to calculate applicant scores. Missing numeric inputs may be null. sub_scores: type: object additionalProperties: type: object properties: score: type: number label: type: string description: Subscore keys such as EFFORT_RATE_SCORE remain uppercase. pillars: type: object additionalProperties: type: number description: Pillar keys such as INCOME_AFFORDABILITY remain uppercase. final_score: type: number is_hard_fail: type: boolean hard_fails: type: array items: type: object properties: code: type: string reason_code: type: string description: type: string missing_documents: type: array items: type: string DecisionEngineIncome: type: object properties: amount: type: number description: >- Monthly income in EUR after source selection and averaging or summing. sources: type: array items: type: string source_mode: type: string description: Saved income-source mode, defaulting to avg. source_amounts: type: array items: type: object properties: source: type: string amount: type: number description: Monthly EUR amounts for selected sources before averaging. payslip_ids: type: array items: type: string payslip_fields: type: array items: type: string tax_ids: type: array items: type: string other_income_ids: type: array items: type: string securitySchemes: BearerAuth: type: http scheme: bearer description: | HTTP Bearer Authentication. Generate a shared token via `/authenticate/token`, then pass it as `Authorization: Bearer `. ```` This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.