{"uid":"cap_w6rCGeqM4OzUCmzmijmjX","slug":"rental-property-investment-calculator-82e9dde8","name":"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://x402.outpimp.com/rentalPropertyCalculator","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_pA6cyOf8p1-1zfqjclBvh","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 rent/expense growth, sale scenario, IRR, cumulative totals, NOI, cap rate, and cash-on-cash return.","exampleAgentPrompt":"Can you run a full rental property deal analysis for a $450,000 house I'm buying with 20% down, a 7.1% interest rate on a 30-year loan, $2,800/month rent, 8% vacancy, $6,000/year property taxes, $1,800/year insurance, $2,500/year maintenance, and I plan to hold it for 10 years then sell for $620,000?","exampleUseCases":[{"title":"First-time landlord buy-and-hold analysis","prompt":"I'm about to make an offer on a $325,000 duplex — I'd put 25% down at a 6.9% rate on a 30-year loan, rent would be $2,200/month, vacancy around 8%, taxes are $4,800/year, insurance $1,400/year, maintenance $1,800/year, and I'd sell in 5 years for roughly $390,000. Can you run the full deal analysis including IRR and cash-on-cash?"},{"title":"All-cash rental purchase comparison","prompt":"I'm thinking of buying a $180,000 rental property all-cash, renting it for $1,500/month with 5% vacancy, $3,200/year taxes, $900/year insurance, $1,200/year maintenance, $150/month HOA, and holding 7 years before selling at $240,000. What's the IRR, cap rate, and annual cash flow projection?"},{"title":"BRRRR strategy with rehab costs","prompt":"Help me analyze a BRRRR deal: $210,000 purchase price, $35,000 rehab, 15% down at 7.5% on a 30-year loan, $1,900/month rent after renovation, 8% vacancy, $3,600/year taxes, $1,100/year insurance, $1,500/year maintenance, selling in 8 years for $310,000 with 9% sale expenses — give me the full multi-year analysis with IRR."}],"resultDescription":"Returns a first-year snapshot (NOI, cap rate, cash-on-cash return, annual mortgage payment, gross rent, vacancy loss, net operating income) plus a year-by-year table over the holding period showing rent, expenses by category, cash flow, mortgage balance, and cumulative totals, culminating in a sale scenario with net proceeds and overall IRR for the investment.","failureModes":["Missing required fields (purchasePrice, monthlyRent, interestRate, loanTermYears, downPaymentPercent, holdingLengthYears, annualPropertyTaxes, annualInsurance, annualMaintenance, salePrice) returns validation error","downPaymentPercent outside 0-1 range causes bad request","holdingLengthYears or loanTermYears outside 1-50 range returns error","Negative expense or income values may produce nonsensical results","Payment failure (insufficient USDC balance) returns 402"],"whenToPreferThis":"Choose this endpoint when you need a comprehensive, multi-year buy-and-hold rental property financial model — especially when you need IRR, per-category expense growth projections, mortgage amortization, and a terminal sale scenario all in one call. Prefer this over simple cap-rate calculators when the holding period, financing structure, and eventual sale price are key decision factors.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T18:46:02.962Z","isFirstParty":false}