curl --request POST \
  --url https://api.txcloud.io/v1/lending/affordability/check \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "applicant_id": "<string>",
  "monthly_income": 123,
  "monthly_expenses": 123,
  "existing_debt_payments": 123,
  "proposed_loan": {
    "amount": 123,
    "term_months": 123,
    "rate": 123
  }
}
'

{
  "id": "<string>",
  "affordable": true,
  "monthly_payment": 123,
  "ratios": {},
  "stress_test": {},
  "recommendation": "<string>"
}