# Cash-on-Cash Return Calculator for Real Estate

> 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).

## Facts

- Endpoint: POST https://x402.outpimp.com/cashOnCashReturnCalculator
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/cash-on-cash-return-calculator-for-real-estate-b91252c0
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_cRoaa9SacNwdQ7YIMpliF

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability cash-on-cash-return-calculator-for-real-estate-b91252c0 -d '<json body>'
```

Example prompt: Run a full rental property deal analysis on a $350,000 house I'm buying with 20% down at a 7.25% interest rate on a 30-year mortgage — monthly rent is $2,200, vacancy rate 8%, annual taxes $4,800, insurance $1,200, maintenance $2,000, no HOA, I plan to hold it for 5 years and sell for $420,000, with 3% annual rent growth. What's my cash-on-cash return and IRR?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## Request schema (JSON Schema)

```json
{
 "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":
… (truncated)
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/cash-on-cash-return-calculator-for-real-estate-b91252c0/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from x402.outpimp.com](https://www.zero.xyz/host/x402.outpimp.com/llms.txt)