{"uid":"cap_KVUxCDq5wJj8JHM5HuRn_","slug":"sparks-re-api-investor-metrics-calculator-38c17360","name":"Sparks RE API — Investor Metrics Calculator","description":"Calculate real estate investment metrics from property financials. Required: purchase_price, monthly_rent, down_payment_percent. Returns cap_rate, cash_on_cash, DSCR, gross_rent_multiplier, monthly_cashflow, mortgage, expenses, and annual_noi. Optional inputs have smart defaults (7% rate, 30yr term, 8% vacancy, 10% management). Not financial advice.","url":"https://sparks-re-api.sparksdigital-re.workers.dev/property/investor-metrics?utm_source=zero.xyz","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"annual_taxes":{"type":"number","description":"Annual taxes (default 1.2% of price)"},"monthly_rent":{"type":"number","description":"Monthly rental income in dollars"},"vacancy_rate":{"type":"number","description":"Vacancy rate decimal (default 0.08)"},"interest_rate":{"type":"number","description":"Annual rate % (default 7)"},"management_fee":{"type":"number","description":"Management fee decimal (default 0.10)"},"purchase_price":{"type":"number","description":"Purchase price in dollars"},"loan_term_years":{"type":"number","description":"Loan term years (default 30)"},"annual_insurance":{"type":"number","description":"Annual insurance (default $1200)"},"estimated_repairs":{"type":"number","description":"Annual repairs (default $0)"},"down_payment_percent":{"type":"number","description":"Down payment percentage (0-100)"}}},"responseSchema":{"type":"json","example":{"dscr":1.19,"annual_noi":15480,"loan_amount":200000,"down_payment":50000,"monthly_rent":2000,"purchase_price":250000,"cap_rate_percent":6.19,"monthly_cashflow":-40.6,"monthly_expenses":2040.6,"monthly_mortgage":1330.6,"cash_on_cash_percent":-0.97,"gross_rent_multiplier":10.42}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.1","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":"$0.1/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.1","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.1","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_fXjW6bIkshKjrIIfJ4LtW","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.1","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Calculates real estate investment metrics (cap rate, cash-on-cash return, DSCR, GRM, monthly cash flow, NOI) from property financials","exampleAgentPrompt":"Can you run the investor metrics on a $325,000 property with $2,400/month rent and a 20% down payment — use the default 7% interest rate over 30 years and assume 8% vacancy and 10% management fee?","exampleUseCases":[{"title":"Pre-offer rental property evaluation","prompt":"I'm thinking about making an offer on a duplex listed at $420,000 that rents for $3,200/month. Can you calculate the cap rate, cash-on-cash return, and monthly cash flow assuming I put 25% down at a 7% rate over 30 years?"},{"title":"Comparing down payment scenarios","prompt":"I'm looking at a $275,000 single-family rental bringing in $1,950/month. Can you run the investor metrics with a 10% down payment so I can see what my DSCR and cash flow would look like at a 7% rate?"},{"title":"Stress-testing a rental with higher vacancy","prompt":"I'm underwriting a rental property priced at $500,000 with $3,800/month rent and 20% down — can you calculate the cap rate and NOI but bump the vacancy rate to 12% and add $2,400/year in estimated repairs?"}],"resultDescription":"Returns a JSON object with cap_rate_percent, cash_on_cash_percent, dscr, gross_rent_multiplier, monthly_cashflow, monthly_mortgage, monthly_expenses, annual_noi, loan_amount, down_payment, monthly_rent, and purchase_price. All metrics are derived from the provided financials using standard real estate investment formulas with smart defaults for any optional inputs not supplied.","failureModes":["Missing required fields (purchase_price, monthly_rent, down_payment_percent) returns a 400 error","Invalid numeric types for financial inputs may cause computation errors","Extremely low purchase_price or rent values may produce nonsensical ratios","down_payment_percent outside 0–100 range may produce invalid loan amounts","Network timeout on the Cloudflare Worker edge in rare cases"],"whenToPreferThis":"Use this endpoint when you need fast, deterministic real estate investment metric calculations from raw property financials — no AI interpretation, just formula-based outputs. Ideal when you already have structured property data (price, rent, down payment) and need investor KPIs like cap rate, DSCR, and cash-on-cash return. Prefer this over AI-powered property analysis tools when you want reproducible, consistent calculations rather than probabilistic outputs, and when you need all standard investment metrics in a single call.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-30T19:04:53.746Z","isFirstParty":false,"canonicalSlug":"sparks-re-api-investor-metrics-calculator-38c17360"}