{"uid":"cap_-gJVYEsj3bVNRol6as-Wb","slug":"sindri-rental-property-investment-calculator-754f8aee","name":"Sindri Rental Property Investment Calculator","description":"Rental property investment calculator. Full multi-year deal analysis for a rental property deal: mortgage, per-category rent/expense growth, a sale scenario, IRR, and cumulative totals over the holding period, alongside the first-year NOI/cap-rate/cash-on-cash snapshot.","url":"https://ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws/rentalPropertyCalculator?utm_source=zero.xyz","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"salePrice":{"type":"number","description":"Expected sale price at the end of the holding period."},"monthlyHOA":{"type":"number","default":0,"description":"Monthly HOA fee. Default 0."},"rehabCosts":{"type":"number","default":0,"description":"Upfront rehab/improvement costs. Default 0."},"monthlyRent":{"type":"number","description":"Total monthly rent collected, before vacancy/management fee."},"vacancyRate":{"type":"number","default":0.08,"description":"Expected vacancy rate, as a fraction (0-1). Default 0.08."},"closingCosts":{"type":"number","default":0,"description":"Closing costs. Default 0."},"interestRate":{"type":"number","description":"Annual mortgage interest rate, as a fraction. Ignored if downPaymentPercent is 1."},"loanTermYears":{"type":"number","description":"Loan term in years (1-50). Ignored if downPaymentPercent is 1."},"purchasePrice":{"type":"number","description":"Property purchase price."},"annualInsurance":{"type":"number","description":"Annual landlord insurance in the first year."},"saleExpensesRate":{"type":"number","default":0.09,"description":"Sale costs (agent commission, closing costs, etc.), as a fraction of sale price (0-1). Default 0.09."},"annualMaintenance":{"type":"number","description":"Annual maintenance budget in the first year."},"hoaAnnualIncrease":{"type":"number","default":0.03,"description":"Annual HOA fee growth rate, as a fraction. Default 0.03."},"downPaymentPercent":{"type":"number","description":"Down payment as a fraction of purchase price (0-1). Use 1 for an all-cash purchase."},"holdingLengthYears":{"type":"number","description":"Number of years you plan to hold the property before selling (1-50)."},"rentAnnualIncrease":{"type":"number","default":0.03,"description":"Annual rent growth rate, as a fraction. Default 0.03."},"annualPropertyTaxes":{"type":"number","description":"Annual property taxes in the first year."},"otherAnnualExpenses":{"type":"number","default":0,"description":"Other annual operating expenses in the first year. Default 0."},"otherAnnualIncrease":{"type":"number","default":0.03,"description":"Annual growth rate for other expenses, as a fraction. Default 0.03."},"taxesAnnualIncrease":{"type":"number","default":0.03,"description":"Annual property tax growth rate, as a fraction. Default 0.03."},"insuranceAnnualIncrease":{"type":"number","default":0.03,"description":"Annual insurance growth rate, as a fraction. Default 0.03."},"maintenanceAnnualIncrease":{"type":"number","default":0.03,"description":"Annual maintenance cost growth rate, as a fraction. Default 0.03."},"propertyManagementFeeRate":{"type":"number","default":0.1,"description":"Property management fee, as a fraction of gross rent (0-1). Default 0.10."}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.01","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.01/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm__RQYKc3fDdEpuSpQKpV97","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.01","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Performs full multi-year rental property deal analysis including mortgage amortization, per-category expense/rent growth, sale scenario, IRR, and cumulative totals alongside first-year NOI/cap-rate/cash-on-cash snapshot.","exampleAgentPrompt":"Can you run a full rental property deal analysis for a $350,000 property with $70,000 down (20%), a 7% interest rate on a 30-year mortgage, $2,200/month rent, 8% vacancy, $4,500/year property taxes, $1,800/year insurance, $2,000/year maintenance, and a projected sale price of $480,000 after 10 years?","exampleUseCases":[{"title":"Evaluating a first rental property purchase","prompt":"I'm looking at a $280,000 single-family rental — I'd put 25% down, get a 6.8% rate on a 30-year loan, and collect $1,950/month rent. Taxes are $3,600/year, insurance $1,400/year, maintenance $1,800/year, and I think I can sell it for $400,000 after 7 years. Can you analyze whether this is a solid deal?"},{"title":"Comparing aggressive vs conservative rent growth assumptions","prompt":"Run the numbers on a $450,000 rental property — 20% down, 7.2% interest rate, 30-year loan, $3,000/month rent, 8% vacancy, $6,000/year taxes, $2,200/year insurance, $2,500/year maintenance, $500/month HOA, sale price $600,000 after 10 years. Use a 4% annual rent increase and 3% expense growth so I can see the projected IRR and cash-on-cash."},{"title":"All-cash rental property investment analysis","prompt":"I want to buy a $200,000 rental property outright with cash — no mortgage. Monthly rent would be $1,600, vacancy 8%, taxes $2,800/year, insurance $1,000/year, maintenance $1,500/year, and I plan to sell for $270,000 in 5 years. What's my projected cap rate, NOI, and IRR?"}],"resultDescription":"Returns a year-by-year projection table over the holding period showing annual rent income, vacancy loss, operating expenses (taxes, insurance, maintenance, HOA, management fee) with per-category growth applied, mortgage principal and interest breakdown, net operating income (NOI), cash flow, and cumulative totals. Also returns a sale-year scenario with gross proceeds, selling costs, remaining loan balance, and net profit. Includes first-year snapshot metrics: NOI, cap rate, cash-on-cash return, and gross rent multiplier. Top-level IRR over the full holding period is also returned.","failureModes":["Missing required fields (purchasePrice, monthlyRent, downPaymentPercent, interestRate, loanTermYears, holdingLengthYears, annualPropertyTaxes, annualInsurance, annualMaintenance, salePrice) return validation errors","Holding period or loan term outside 1-50 year range returns an error","Vacancy rate or down payment percent outside 0-1 fractional range causes incorrect calculations","Interest rate provided as percentage (e.g. 7) instead of fraction (0.07) leads to incorrect mortgage computation","IRR computation may fail or return null if cash flows are never negative (e.g. all-cash with very high rent) due to degenerate IRR cases"],"whenToPreferThis":"Choose this endpoint when you need a comprehensive, multi-year rental property investment analysis — not just a simple mortgage calculator or single-year NOI estimate. It is ideal when the user wants to model rent and expense growth over time, evaluate a planned sale scenario, and get return metrics like IRR, cap rate, and cash-on-cash return in a single call. Prefer this over general financial calculators when the input is specifically a rental real estate deal with a mortgage, holding period, and exit strategy.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-02T18:44:52.416Z","isFirstParty":false,"canonicalSlug":"sindri-rental-property-investment-calculator-754f8aee"}