curl --request POST \
  --url https://api.iotools.cloud/v1/tool/loan-to-value-ratio-calculator \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "loanAmount": "180000",
  "propertyValue": "225000"
}
'

{
  "tool": "loan-to-value-ratio-calculator",
  "tool_version": "1.0.1",
  "outputs": {
    "results": [
      {
        "metric": "LTV Ratio",
        "value": "80.00%"
      },
      {
        "metric": "Down Payment",
        "value": "20.00%"
      },
      {
        "metric": "PMI Required",
        "value": "No (LTV ≤ 80%)"
      },
      {
        "metric": "Risk Tier",
        "value": "Strong — no PMI required"
      }
    ]
  },
  "credits_used": 3,
  "credits_remaining": null
}