feat(account): portfolio composition report

AGENTS.md

@@ -43,6 +43,9 @@ Run `make verify` before considering a change done — it's exactly what CI runs
   - Open orders come only from `orders::open_orders` (the `all=true` list,
     filtered client-side): the `?propertyId=` query reports a partially filled
     order's original quantity.
+  - `portfolio.rs` holds the pure report logic behind `account portfolio`
+    (holdings weighted by location, property, and rent); `account.rs` only
+    fetches its inputs.
 - `src/client.rs` — HTTP against the SDK surface (`/public/v1`) and the internal
   website API (`--internal`, `/prod`).
 - `src/config.rs` — non-secret config; the API key is keychain-only.

README.md

@@ -57,6 +57,7 @@ $ lofty rewards history --since <ms>    # your reward payouts
 $ lofty rewards reconcile               # audit payouts: totals, math check, gap detection
 $ lofty rewards eligibility             # are your orders earning right now, and if not why
 $ lofty account balance|positions|trades
+$ lofty account portfolio               # holdings weighted by state, city, property, and rent
 $ lofty account coverage                # what's reserved backing your bids vs free to spend
 $ lofty account breakeven --margin 5    # fee-inclusive sell price (basis hides the buy fee)
 $ lofty account rebates                 # maker rebates earned, derived from your fills
@@ -171,6 +172,43 @@ $49.81       | +$0.35 | $52.75 | 01SAMPLEPROP00000000000001 | 4   | sell | $2.94
 `orders-competitiveness/v1` with a `book` block and a `buy`/`sell` block per
 property (`null` for a side you have no orders on).
 
+### Example — where is my money, and what pays?
+
+`portfolio` weights your holdings by **estimated value** (each position's
+`currentValue`, tokens × current price) across states, cities, and properties,
+and by **rent**: each property's share of your projected daily rent.
+
+Daily rent is the listing's `projected_annual_cash_flow` per issued token, times
+the tokens you hold, over 365 days. A property counts as **renting** unless its
+listing marks it vacant (`is_occupied: false`) or delinquent (`is_delinquent`),
+or projects no cash flow. Non-paying properties are excluded from the rent
+weighting (their share is `-` / `null`, not `0%`), so the renting ones sum to
+100%. The headline also gives the share of properties renting and the share of
+holdings value that is rent-earning. Numbers below are illustrative.
+
+```console
+$ lofty account portfolio
+4 properties, $10000.00 estimated value, $1.4000/day projected rent
+renting: 2 of 4 properties (50.0%), 70.0% of holdings value
+
+BY STATE
+PROPERTIES | RENT % | STATE | VALUE     | VALUE %
+2          | 57.1%  | OH    | $6000.00  | 60.0%
+1          | 42.9%  | MI    | $3000.00  | 30.0%
+1          | 0.0%   | TN    | $1000.00  | 10.0%
+...
+BY PROPERTY
+LOCATION      | PROPERTY      | RENT % | RENT/DAY | STATUS     | VALUE    | VALUE %
+Cleveland, OH | 100 Sample St | 57.1%  | $0.8000  | renting    | $4000.00 | 40.0%
+Toledo, OH    | 200 Sample St | -      | $0.0000  | vacant     | $2000.00 | 20.0%
+```
+
+`--json` emits `account-portfolio/v1` with `totals`, `byState`, `byCity`, and
+`properties` (each carrying `valueSharePct`, `dailyRentUsd`, `rentSharePct`,
+and `rentStatus`: `renting` | `vacant` | `delinquent` | `no-cash-flow` |
+`unknown`). A held property whose listing is gone is still weighted by value,
+under an `unknown` location, rather than dropped.
+
 ### Example — what can I actually spend?
 
 Lofty funds open orders from your live balances: buys need the USDC and sells

src/commands/account.rs

@@ -12,6 +12,17 @@ pub enum Cmd {
     Balance,
     /// Token holdings by property, with cost basis and P&L inputs.
     Positions,
+    /// Portfolio composition: holdings weighted by state, city, and property
+    /// (on estimated value), plus each property's share of your daily rent and
+    /// how much of the portfolio is renting right now.
+    ///
+    /// Value is each position's `currentValue` (tokens x current price). Daily
+    /// rent is the property's projected annual cash flow, per issued token, times
+    /// the tokens you hold, over 365 days. A property counts as renting unless its
+    /// listing marks it vacant or delinquent or projects no cash flow; those pay
+    /// nothing, so they are excluded from the rent weighting rather than shown as
+    /// a 0% share.
+    Portfolio,
     /// Executed trades (completed buys and sells).
     Trades {
         /// Filter to one property.
@@ -129,6 +140,36 @@ pub fn run(ctx: &Ctx, cmd: &Cmd) -> Result<(), CliError> {
             });
             Ok(())
         }
+        Cmd::Portfolio => {
+            let positions = client
+                .get("/public/v1/account/positions", &[])?
+                .get("positions")
+                .and_then(Value::as_array)
+                .cloned()
+                .unwrap_or_default();
+            let mut listings = std::collections::BTreeMap::new();
+            for (pid, _) in super::portfolio::held(&positions) {
+                match client.get(&format!("/public/v1/properties/{pid}"), &[]) {
+                    // `properties/{id}` wraps its payload in `property`; accept a
+                    // bare listing too, as `venue_fees` does.
+                    Ok(v) => {
+                        let listing = v.get("property").cloned().unwrap_or(v);
+                        listings.insert(pid.to_string(), listing);
+                    }
+                    // A delisted property still counts toward value; the report
+                    // files it under `unknown` instead of failing the whole run.
+                    Err(CliError::NotFound(_)) => {
+                        if !ctx.common.quiet {
+                            eprintln!("{pid}: no listing found — weighted under `unknown`");
+                        }
+                    }
+                    Err(e) => return Err(e),
+                }
+            }
+            let report = super::portfolio::portfolio(&positions, &listings);
+            emit(ctx, "account-portfolio", report, super::portfolio::render);
+            Ok(())
+        }
         Cmd::Trades {
             property_id,
             direction,

src/commands/mod.rs

@@ -8,6 +8,7 @@ pub mod book;
 pub mod catalog;
 pub mod competitiveness;
 pub mod orders;
+pub mod portfolio;
 pub mod properties;
 pub mod quote;
 pub mod rewards;