{"uid":"cap_UMMiJa4HgMBWyuWy2Z6sZ","slug":"real-estate-investor-toolkit-rental-property-calculator-d4fb2fc1","name":"Real Estate Investor Toolkit – Rental Property Calculator","description":"Rental property investment calculator from your numbers: monthly mortgage payment (amortising), net operating income, cap rate, gross rental yield, monthly and annual cash flow, cash-on-cash return, debt service coverage ratio (DSCR), break-even occupancy and the 1% rule check. Any currency. Standard formulas; it does not look up prices or rents.","url":"https://api.jobsproperty-api.workers.dev/api/realestate/real-estate-investor-toolkit?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","rentMonthly"],"properties":{"price":{"type":"string","description":"Purchase price (required)"},"years":{"type":"string","description":"Loan term in years (default 30)"},"ratePct":{"type":"string","description":"Annual mortgage interest rate % (default 6.5)"},"vacancyPct":{"type":"string","description":"Vacancy allowance % of rent (default 5)"},"rentMonthly":{"type":"string","description":"Expected monthly rent (required)"},"closingCosts":{"type":"string","description":"One-off purchase costs added to cash invested (default 0)"},"downPaymentPct":{"type":"string","description":"Down payment % of price (default 20)"},"expensesMonthly":{"type":"string","description":"Monthly operating costs: tax, insurance, maintenance, management, HOA (default 0)"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"example":{"type":"object"}}}}},"responseSchema":{"type":"json","example":{"dscr":1.15,"note":"Before income tax and depreciation; operating costs as you entered them.","capRatePct":6.56,"loanAmount":225000,"cashInvested":81000,"cashOnCashPct":3.23,"grossYieldPct":8.8,"cashFlowAnnual":2614.16,"onePercentRule":false,"cashFlowMonthly":217.85,"effectiveMonthlyRent":2090,"breakEvenOccupancyPct":85.1,"monthlyMortgagePayment":1422.15,"netOperatingIncomeAnnual":19680}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.002","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":"$0.002/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.002","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.002","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_HnoUQxPLuIO1CcNWxUIUe","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.002","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 (mortgage payment, NOI, cap rate, cash flow, DSCR, gross yield, cash-on-cash return, break-even occupancy, 1% rule) from user-supplied purchase and rent figures.","exampleAgentPrompt":"Run a full rental property investment analysis for a $280,000 home with $2,200/month rent — assume 20% down, 6.5% interest rate over 30 years, $350/month in operating expenses, and 5% vacancy.","exampleUseCases":[{"title":"Evaluating a single-family rental","prompt":"I'm looking at a $350,000 house I could rent for $2,800/month. Can you calculate the cap rate, cash flow, DSCR, and cash-on-cash return assuming 25% down, a 7% mortgage rate, a 30-year loan, $500/month in expenses, and 5% vacancy?"},{"title":"Checking the 1% rule on a duplex","prompt":"Does this duplex pass the 1% rule? It costs $220,000 and I'd collect $1,900/month in rent. Use a 20% down payment, 6.5% rate, 30-year term, and $300/month operating costs."},{"title":"Modeling a UK buy-to-let investment","prompt":"Help me model a UK buy-to-let: purchase price £190,000, rent £1,100/month, 25% deposit, 5.5% interest, 25-year term, £200/month costs, and 8% vacancy — give me gross yield, net cash flow, and break-even occupancy."}],"resultDescription":"A JSON object containing: monthly mortgage payment, loan amount, cash invested, effective monthly rent, monthly and annual cash flow, cap rate (%), gross rental yield (%), cash-on-cash return (%), net operating income (annual), DSCR, break-even occupancy (%), whether the property passes the 1% rule (boolean), and a disclaimer note about pre-tax/depreciation basis.","failureModes":["Missing required parameters (price or rentMonthly) — likely returns an error or incomplete response","Non-numeric string values for numeric fields may cause calculation errors","Extreme or unrealistic inputs (e.g. 0% interest rate, 100% vacancy) may produce mathematically valid but meaningless results","Service unavailable due to Cloudflare Workers downtime — HTTP 5xx"],"whenToPreferThis":"Use this endpoint when you need quick, formula-based rental property investment metrics computed from user-supplied numbers, without needing live market data lookups. Ideal for evaluating hypothetical deals, comparing scenarios, or building financial models for any currency. Prefer this over full property listing APIs when the user already knows the price and rent figures and wants computed investment ratios.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-29T00:34:26.208Z","isFirstParty":false,"canonicalSlug":"real-estate-investor-toolkit-rental-property-calculator-d4fb2fc1"}