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Cash-on-Cash Return Calculator for Real Estate
x402
Cash-on-Cash Return Calculator for Real Estate is a paid API for AI agents from x402.outpimp.com, paid per call via x402, $0.01/call, status unknown (last checked 2026-09-14).
Runs a full multi-year real estate deal analysis including per-category rent/expense growth, sale scenario, and IRR, returning the first-year cash-on-cash return (operating cash flow divided by invested cash).
Price / call$0.01
Success—
StatusUnknown
How this service works
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.
Output
Returns the first-year cash-on-cash return (operating cash flow / invested cash), along with a full multi-year projection broken down by year including rent income, vacancy loss, operating expenses (with per-category growth), mortgage debt service, net cash flow, and a sale scenario at the end of the holding period showing net sale proceeds, total cash flows, and IRR.
Example use cases
First rental property deal analysis
“I'm about to buy my first rental property for $275,000 with 25% down at 7% interest on a 30-year loan. Monthly rent would be $1,800, vacancy at 8%, taxes $3,600/year, insurance $900/year, maintenance $1,500/year, and I plan to sell after 7 years for $340,000. Can you calculate my cash-on-cash return and projected IRR?”
All-cash purchase vs financed comparison
“I'm considering buying a $500,000 rental property with all cash — monthly rent $3,200, vacancy 8%, annual taxes $7,000, insurance $1,800, maintenance $3,500, HOA $150/month, hold for 10 years then sell for $650,000 with 3% annual rent growth. What's my cash-on-cash return?”
Fix-and-rent deal with rehab costs
“Help me analyze this fix-and-rent deal: $220,000 purchase price, $30,000 in rehab costs, 15% down at 7.5% on a 30-year mortgage, monthly rent $1,600 after rehab, 8% vacancy, taxes $2,800/year, insurance $800/year, maintenance $1,200/year, sell in 5 years for $290,000. Give me the cash-on-cash return and full deal analysis.”
Technical details
Endpoint
POSThttps://x402.outpimp.com/cashOnCashReturnCalculatorWhen to prefer
Use this endpoint when you need a comprehensive multi-year real estate investment analysis — not just a quick cap rate estimate. It is ideal when the user has specific financing details (down payment, interest rate, loan term), annual expense estimates, a planned holding period, and an expected exit sale price. Prefer this over simpler cap rate or GRM tools when IRR and year-by-year cash flow projections are needed.
Side effects
- Missing required fields (purchasePrice, monthlyRent, downPaymentPercent, interestRate, loanTermYears, holdingLengthYears) cause validation errors
- Interest rate or down payment outside valid range (0-1 fraction) may produce nonsensical results
- holdingLengthYears or loanTermYears outside 1-50 range may be rejected
- Negative expense inputs may yield incorrect cash flow projections
- Sale price lower than purchase price with no rent growth can produce negative IRR without error
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| salePrice | number | Expected sale price at the end of the holding period. |
| monthlyHOA | number | Monthly HOA fee. Default 0. |
| rehabCosts | number | Upfront rehab/improvement costs. Default 0. |
| monthlyRent | number | Total monthly rent collected, before vacancy/management fee. |
| vacancyRate | number | Expected vacancy rate, as a fraction (0-1). Default 0.08. |
| closingCosts | number | Closing costs. Default 0. |
| interestRate | number | Annual mortgage interest rate, as a fraction. Ignored if downPaymentPercent is 1. |
| loanTermYears | number | Loan term in years (1-50). Ignored if downPaymentPercent is 1. |
| purchasePrice | number | Property purchase price. |
| annualInsurance | number | Annual landlord insurance in the first year. |
| saleExpensesRate | number | Sale costs (agent commission, closing costs, etc.), as a fraction of sale price (0-1). Default 0.09. |
| annualMaintenance | number | Annual maintenance budget in the first year. |
| hoaAnnualIncrease | number | Annual HOA fee growth rate, as a fraction. Default 0.03. |
| downPaymentPercent | number | Down payment as a fraction of purchase price (0-1). Use 1 for an all-cash purchase. |
| holdingLengthYears | number | Number of years you plan to hold the property before selling (1-50). |
| rentAnnualIncrease | number | Annual rent growth rate, as a fraction. Default 0.03. |
| annualPropertyTaxes | number | Annual property taxes in the first year. |
| otherAnnualExpenses | number | Other annual operating expenses in the first year. Default 0. |
| otherAnnualIncrease | number | Annual growth rate for other expenses, as a fraction. Default 0.03. |
| taxesAnnualIncrease | number | Annual property tax growth rate, as a fraction. Default 0.03. |
| insuranceAnnualIncrease | number | Annual insurance growth rate, as a fraction. Default 0.03. |
| maintenanceAnnualIncrease | number | Annual maintenance cost growth rate, as a fraction. Default 0.03. |
| propertyManagementFeeRate | number | Property management fee, as a fraction of gross rent (0-1). Default 0.10. |
Tags
x402
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