feat(ai-services): add building_coverage, loading_docks, zoning to industrial AVM

Completes the industrial-specific feature set required for AVM industrial
valuation. Adds heuristic adjustments for all three new features and
4 new tests covering zoning premiums, loading docks, and coverage ratio.

Co-Authored-By: Paperclip <noreply@paperclip.ing>

libs/ai-services/app/models/avm_industrial.py

@@ -37,6 +37,20 @@ class IndustrialAVMRequest(BaseModel):
     power_capacity_kva: float = Field(
         0.0, ge=0, description="Allocated power capacity in kVA"
     )
+    building_coverage: float = Field(
+        0.0,
+        ge=0,
+        le=1,
+        description="Building coverage ratio — footprint area / lot area (0-1)",
+    )
+    loading_docks: int = Field(
+        0, ge=0, description="Number of loading docks / bays"
+    )
+    zoning: str = Field(
+        "general_industrial",
+        description="Industrial zoning category: general_industrial, heavy_industrial, "
+        "light_industrial, logistics, free_trade_zone, high_tech",
+    )
     industry_demand_index: float = Field(
         0.5, ge=0, le=1, description="Local industry demand index (0-1)"
     )