{"uid":"cap_PzPnA8B7ceNWI5vpUq3Mr","slug":"sindri-cash-on-cash-return-calculator-f7554f27","name":"Sindri Cash-on-Cash Return Calculator","description":"Cash-on-cash return calculator for real estate investing. Runs a full multi-year deal analysis (per-category rent/expense growth, a sale scenario, IRR) and headlines the first-year cash-on-cash return: operating cash flow divided by invested cash.","url":"https://ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws/cashOnCashReturnCalculator?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_bApeehalvjdpBDjrgRooB","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":"Runs a full multi-year real estate deal analysis including per-category rent/expense growth, a sale scenario, and IRR, returning the first-year cash-on-cash return as the headline metric.","exampleAgentPrompt":"Run a full cash-on-cash return analysis on a $450,000 rental property with $90,000 down (20%), a 30-year mortgage at 6.8% interest, $2,800/month rent, 8% vacancy, $6,500/year property taxes, $2,000/year insurance, $3,000/year maintenance, and I plan to hold it for 10 years then sell for $600,000.","exampleUseCases":[{"title":"Buy-and-hold rental property evaluation","prompt":"I'm looking at a $320,000 single-family rental — I'd put 25% down, 7% interest rate on a 30-year loan, rent is $2,200/month, vacancy at 8%, property taxes $4,800/year, insurance $1,400/year, maintenance $2,500/year, and I'd sell after 7 years for $420,000. Can you calculate the cash-on-cash return and full deal analysis?"},{"title":"All-cash purchase deal analysis","prompt":"I want to buy a $200,000 rental outright with no mortgage, paying $200,000 cash. Rent is $1,600/month, 5% vacancy, $3,200/year taxes, $1,000/year insurance, $1,800/year maintenance, $150/month HOA, and I'll sell in 5 years for $240,000. What's my cash-on-cash return and IRR?"},{"title":"High-rehab BRRRR strategy analysis","prompt":"Analyze this rehab deal: purchase price $180,000, $45,000 rehab costs, 20% down on a 30-year loan at 7.25%, $1,900/month rent, 8% vacancy, $3,600/year taxes, $1,200/year insurance, $1,500/year maintenance, hold for 8 years and sell for $310,000. What are the cash-on-cash returns and IRR?"}],"resultDescription":"Returns the first-year cash-on-cash return (operating cash flow divided by total invested cash) as the headline metric, along with a full year-by-year deal analysis covering per-category rent and expense growth, annual cash flows, a sale scenario with net proceeds, and IRR over the holding period.","failureModes":["Missing required fields (purchasePrice, monthlyRent, downPaymentPercent, interestRate, loanTermYears, holdingLengthYears, annualPropertyTaxes, annualInsurance, annualMaintenance, salePrice) return validation errors","Invalid parameter ranges (e.g. vacancy rate outside 0-1, loan term outside 1-50 years) may return errors","downPaymentPercent of 1 (all-cash) with interestRate/loanTermYears provided — those fields are ignored","Negative or zero purchase price causes computation failure","Network/Lambda cold-start timeouts on rare occasions"],"whenToPreferThis":"Use this endpoint when you need a comprehensive multi-year real estate investment analysis that goes beyond simple cap rate or gross yield — specifically when you need cash-on-cash return as the primary metric alongside IRR, year-by-year cash flow projections, per-category expense growth modeling, and a sale scenario. Ideal for buy-and-hold rental property due diligence on single deals. If you only need a cap rate or simple payback period, a simpler calculator may suffice.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-19T00:38:38.736Z","isFirstParty":false,"canonicalSlug":"sindri-cash-on-cash-return-calculator-f7554f27"}