# Rental Property Investment Calculator

> Rental Property Investment Calculator is a paid API for AI agents from x402.outpimp.com, paid per call via x402, $0.01/call, status unknown (last checked 2026-09-14).

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.

## Facts

- Endpoint: POST https://x402.outpimp.com/rentalPropertyCalculator
- 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/rental-property-investment-calculator-82e9dde8
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_w6rCGeqM4OzUCmzmijmjX

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 rental-property-investment-calculator-82e9dde8 -d '<json body>'
```

Example prompt: 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?

## When to prefer this

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.

## Known failure modes

- 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

## How this service works

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.

## Output

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.

## 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/rental-property-investment-calculator-82e9dde8/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)