{"uid":"cap_G-Z96efYDyzOZy8dPZH7d","slug":"saylor-innovations-data-desk-rental-property-analysis-2da663ae","name":"Saylor Innovations Data Desk – Rental Property Analysis","description":"Rental property underwriting: NOI, cap rate, monthly cash flow, cash-on-cash return, DSCR, gross rent multiplier and break-even occupancy from price and rent.","url":"https://saylorinnovations.com/api/realestate/rental-analysis?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method"],"properties":{"type":{"type":"string","const":"http"},"method":{"enum":["GET"],"type":"string"},"queryParams":{"type":"object","required":["price","down_payment_percent","interest_rate_percent","monthly_rent"],"properties":{"price":{"type":"string","description":"purchase price"},"monthly_rent":{"type":"string","description":"expected monthly rent"},"insurance_annual":{"type":"string","description":"optional yearly insurance, default 0.5% of price"},"down_payment_percent":{"type":"string","description":"down payment in percent"},"property_tax_percent":{"type":"string","description":"optional yearly tax as percent of price, default 1.1"},"interest_rate_percent":{"type":"string","description":"mortgage rate in percent"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string","const":"json"},"example":{"type":"object","required":["cap_rate_percent","monthly_cash_flow"],"properties":{"dscr":{"type":["number","null"],"description":"NOI divided by debt service; lenders usually want 1.25 or more"},"note":{"type":"string","description":"Plain-language caveat about how to read and use the result"},"price":{"type":"number","description":"Purchase price used"},"source":{"type":"string","description":"Where the data or formula comes from"},"verdict":{"type":"string","description":"Plain-language summary of cash flow and coverage"},"loan_amount":{"type":"number","description":"Mortgage principal after the down payment"},"cash_invested":{"type":"number","description":"Down payment plus closing costs and rehab"},"annual_cash_flow":{"type":"number","description":"NOI minus debt service"},"cap_rate_percent":{"type":"number","description":"NOI divided by price, in percent"},"gross_annual_rent":{"type":"number","description":"Rent at full occupancy for a year"},"monthly_cash_flow":{"type":"number","description":"Annual cash flow divided by twelve"},"annual_debt_service":{"type":"number","description":"Twelve mortgage payments"},"net_operating_income":{"type":"number","description":"Income minus operating expenses, before debt service"},"one_percent_rule_met":{"type":"boolean","description":"True when monthly rent is at least 1% of the price"},"expense_ratio_percent":{"type":"number","description":"Operating expenses as a percent of effective income"},"gross_rent_multiplier":{"type":["number","null"],"description":"Price divided by gross annual rent"},"effective_gross_income":{"type":"number","description":"Annual rent after vacancy"},"monthly_mortgage_payment":{"type":"number","description":"Principal and interest payment"},"annual_operating_expenses":{"type":"number","description":"Tax, insurance, maintenance, management and HOA for a year"},"breakeven_occupancy_percent":{"type":["number","null"],"description":"Occupancy needed to cover expenses and debt service"},"cash_on_cash_return_percent":{"type":["number","null"],"description":"Annual cash flow divided by cash invested, in percent"}}}}}}},"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_VMH1QrqvduFuiZ1Y0rbbI","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":"Calculates key rental property investment metrics — NOI, cap rate, monthly cash flow, cash-on-cash return, DSCR, GRM, and break-even occupancy — from purchase price, down payment, interest rate, and expected rent.","exampleAgentPrompt":"Can you run the rental underwriting numbers on a property listed at $320,000 — I'm putting 20% down, the mortgage rate is 7.1%, and the expected monthly rent is $2,200? I want to see the cap rate, cash flow, DSCR, and whether it breaks even.","exampleUseCases":[{"title":"First investment property screening","prompt":"I'm looking at a $275,000 rental house — I'd put 25% down at a 6.75% interest rate and could rent it for $1,950 a month. Can you pull the full underwriting breakdown so I know if the numbers make sense before I make an offer?"},{"title":"Lender DSCR requirement check","prompt":"My lender needs a DSCR of at least 1.25 to approve the loan. The property is $410,000, I'm putting 20% down at 7.5% interest, and market rent is $2,800/month — can you check if this deal passes the coverage ratio?"},{"title":"Comparing asking price vs lower offer","prompt":"I want to see how the cap rate and cash-on-cash return change if I buy this duplex at $350,000 versus negotiating it down to $315,000 — rent would be $2,500/month, 20% down, and the rate is 7.0%."}],"resultDescription":"Returns a JSON object with computed metrics including cap rate percent, monthly and annual cash flow, DSCR, gross rent multiplier, break-even occupancy, loan amount, cash invested (down payment + closing costs), gross annual rent, and plain-language verdict and caveat fields summarizing the investment quality.","failureModes":["Missing required parameters (price, down_payment_percent, interest_rate_percent, monthly_rent) results in a 400 error","Non-numeric string values for numeric fields cause parsing errors","Extremely low rent relative to price may yield negative cash flow results which are valid but may confuse downstream logic","Optional insurance and tax defaults (0.5% and 1.1% of price respectively) may not match actual local rates, reducing accuracy"],"whenToPreferThis":"Use this endpoint when you need a quick, formula-driven rental property underwriting snapshot from just a few inputs, without needing access to MLS data or property-specific comps. It is ideal for early-stage deal screening, comparing multiple properties side by side, or verifying whether a property meets lender DSCR thresholds before committing to deeper due diligence.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-30T06:53:43.696Z","isFirstParty":false,"canonicalSlug":"saylor-innovations-data-desk-rental-property-analysis-2da663ae"}