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/tests/test_avm_industrial.py

@@ -109,6 +109,62 @@ def test_predict_industrial_total_rent():
     assert abs(resp["total_monthly_rent_usd"] - expected_total) < 1.0
 
 
+def test_predict_industrial_free_trade_zone_premium():
+    """Free-trade-zone zoning should command higher rent than general_industrial."""
+    general = client.post(
+        "/avm/industrial/predict",
+        json={**_PREDICT_PAYLOAD, "zoning": "general_industrial"},
+    ).json()
+    ftz = client.post(
+        "/avm/industrial/predict",
+        json={**_PREDICT_PAYLOAD, "zoning": "free_trade_zone"},
+    ).json()
+
+    assert ftz["estimated_rent_usd_m2"] > general["estimated_rent_usd_m2"]
+
+
+def test_predict_industrial_high_tech_zone_premium():
+    """High-tech zoning should command higher rent than general_industrial."""
+    general = client.post(
+        "/avm/industrial/predict",
+        json={**_PREDICT_PAYLOAD, "zoning": "general_industrial"},
+    ).json()
+    ht = client.post(
+        "/avm/industrial/predict",
+        json={**_PREDICT_PAYLOAD, "zoning": "high_tech"},
+    ).json()
+
+    assert ht["estimated_rent_usd_m2"] > general["estimated_rent_usd_m2"]
+
+
+def test_predict_industrial_loading_docks_premium():
+    """More loading docks should increase rent."""
+    no_docks = client.post(
+        "/avm/industrial/predict",
+        json={**_PREDICT_PAYLOAD, "loading_docks": 0},
+    ).json()
+    many_docks = client.post(
+        "/avm/industrial/predict",
+        json={**_PREDICT_PAYLOAD, "loading_docks": 6},
+    ).json()
+
+    assert many_docks["estimated_rent_usd_m2"] > no_docks["estimated_rent_usd_m2"]
+
+
+def test_predict_industrial_building_coverage_premium():
+    """Higher building coverage should increase rent."""
+    low_cov = client.post(
+        "/avm/industrial/predict",
+        json={**_PREDICT_PAYLOAD, "building_coverage": 0.3},
+    ).json()
+    high_cov = client.post(
+        "/avm/industrial/predict",
+        json={**_PREDICT_PAYLOAD, "building_coverage": 0.7},
+    ).json()
+
+    assert high_cov["estimated_rent_usd_m2"] > low_cov["estimated_rent_usd_m2"]
+
+
 def test_predict_industrial_validation_error():
     """Missing required fields should return 422."""
     resp = client.post("/avm/industrial/predict", json={"area_m2": 5000})