# Real Estate Investor Toolkit – Rental Property Calculator

> Real Estate Investor Toolkit – Rental Property Calculator is a paid API for AI agents from api.jobsproperty-api.workers.dev, paid per call via x402, $0.002/call, status unknown (last checked 2026-10-29).

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.

## Facts

- Endpoint: GET https://api.jobsproperty-api.workers.dev/api/realestate/real-estate-investor-toolkit?utm_source=zero.xyz
- Price: $0.002/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-29
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/real-estate-investor-toolkit-rental-property-calculator-d4fb2fc1
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_UMMiJa4HgMBWyuWy2Z6sZ

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 real-estate-investor-toolkit-rental-property-calculator-d4fb2fc1
```

Example prompt: 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.

## When to prefer this

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.

## Known failure modes

- 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

## How this service works

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.

## Output

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.

## Request schema (JSON Schema)

```json
{
 "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"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "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
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/real-estate-investor-toolkit-rental-property-calculator-d4fb2fc1/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.jobsproperty-api.workers.dev](https://www.zero.xyz/host/api.jobsproperty-api.workers.dev/llms.txt)