# House Hacking Calculator

> House Hacking Calculator is a paid API for AI agents from x402.outpimp.com, paid per call via x402, $0.01/call, status unknown (last checked 2026-09-15).

Computes the true monthly net-worth impact of a house hack by netting rental income against mortgage, taxes, insurance, HOA, and maintenance, then adding back principal paydown equity and rent savings from living in the property.

## Facts

- Endpoint: POST https://x402.outpimp.com/houseHackingCalculator
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/house-hacking-calculator-b5c693b0
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_gLdBvfXu0lgPiDcDyzY2a

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 house-hacking-calculator-b5c693b0 -d '<json body>'
```

Example prompt: Run a house hack analysis on a $450,000 duplex — I'd put 5% down, 30-year mortgage at 7% annual interest, property tax rate of 1.2%, $1,800/year insurance, $2,400/year maintenance, no HOA, 1 rentable unit at $1,800/month rent, 5% vacancy rate, and I'd be saving $1,500/month by not renting elsewhere anymore.

## When to prefer this

Choose this endpoint when you need a holistic house-hacking-specific financial analysis that combines rental income, mortgage amortization (principal + interest split), operating expenses, and opportunity cost of rent avoided — all in one unified monthly net-worth metric. Prefer it over generic mortgage calculators (which ignore rental income) or simple cash-flow calculators (which ignore principal paydown and rent savings).

## Known failure modes

- Missing required fields (purchasePrice, interestRate, loanTermYears, rentableUnits, rentPerUnit, vacancyRate, annualInsurance, propertyTaxRate, annualMaintenance, downPaymentPercent) return validation errors
- Invalid fractions outside 0-1 range for rates may produce nonsensical results
- Loan term outside 1-50 year range may be rejected
- Zero or negative purchase price causes computation failure
- Network or payment authorization failure returns 402 or 5xx error

## How this service works

House hacking calculator. Nets rental income from other units/rooms against your mortgage payment and expenses, then adds back the equity you build via principal paydown and the market rent you avoid paying elsewhere, to compute the true monthly net-worth impact of living in and renting out part of a property.

## Output

Returns the computed monthly net-worth impact combining: net rental income after vacancy, monthly mortgage payment broken into interest and principal, property tax and insurance monthly shares, maintenance and HOA costs, the equity built via principal paydown, and the market rent avoided — giving a holistic true monthly wealth effect figure.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "monthlyHOA": {
   "type": "number",
   "default": 0,
   "description": "Monthly HOA fee. Default 0."
  },
  "rentPerUnit": {
   "type": "number",
   "description": "Monthly rent charged per unit."
  },
  "vacancyRate": {
   "type": "number",
   "description": "Expected vacancy rate, as a fraction (0-1)."
  },
  "interestRate": {
   "type": "number",
   "description": "Annual mortgage interest rate, as a fraction."
  },
  "loanTermYears": {
   "type": "number",
   "description": "Loan term in years (1-50)."
  },
  "purchasePrice": {
   "type": "number",
   "description": "Property purchase price."
  },
  "rentableUnits": {
   "type": "number",
   "description": "Number of rentable units/rooms other than your own."
  },
  "annualInsurance": {
   "type": "number",
   "description": "Annual homeowner/landlord insurance."
  },
  "propertyTaxRate": {
   "type": "number",
   "description": "Annual property tax rate, as a fraction of purchase price (0-1)."
  },
  "annualMaintenance": {
   "type": "number",
   "description": "Annual maintenance budget."
  },
  "downPaymentPercent": {
   "type": "number",
   "description": "Down payment as a fraction of purchase price (0-1)."
  },
  "rentSavingsPerMonth": {
   "type": "number",
   "default": 0,
   "description": "Market rent you avoid paying elsewhere by living in this property, per month. Default 0."
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/house-hacking-calculator-b5c693b0/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)