# Saylor Innovations Data Desk – Rental Property Analysis

> Saylor Innovations Data Desk – Rental Property Analysis is a paid API for AI agents from saylorinnovations.com, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-30).

Calculates key rental property investment metrics — NOI, cap rate, monthly cash flow, cash-on-cash return, DSCR, GRM, and break-even occupancy — from purchase price, down payment, interest rate, and expected rent.

## Facts

- Endpoint: GET https://saylorinnovations.com/api/realestate/rental-analysis?utm_source=zero.xyz
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-30
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/saylor-innovations-data-desk-rental-property-analysis-2da663ae
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_G-Z96efYDyzOZy8dPZH7d

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 saylor-innovations-data-desk-rental-property-analysis-2da663ae
```

Example prompt: Can you run the rental underwriting numbers on a property listed at $320,000 — I'm putting 20% down, the mortgage rate is 7.1%, and the expected monthly rent is $2,200? I want to see the cap rate, cash flow, DSCR, and whether it breaks even.

## When to prefer this

Use this endpoint when you need a quick, formula-driven rental property underwriting snapshot from just a few inputs, without needing access to MLS data or property-specific comps. It is ideal for early-stage deal screening, comparing multiple properties side by side, or verifying whether a property meets lender DSCR thresholds before committing to deeper due diligence.

## Known failure modes

- Missing required parameters (price, down_payment_percent, interest_rate_percent, monthly_rent) results in a 400 error
- Non-numeric string values for numeric fields cause parsing errors
- Extremely low rent relative to price may yield negative cash flow results which are valid but may confuse downstream logic
- Optional insurance and tax defaults (0.5% and 1.1% of price respectively) may not match actual local rates, reducing accuracy

## How this service works

Rental property underwriting: NOI, cap rate, monthly cash flow, cash-on-cash return, DSCR, gross rent multiplier and break-even occupancy from price and rent.

## Output

Returns a JSON object with computed metrics including cap rate percent, monthly and annual cash flow, DSCR, gross rent multiplier, break-even occupancy, loan amount, cash invested (down payment + closing costs), gross annual rent, and plain-language verdict and caveat fields summarizing the investment quality.

## 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",
      "down_payment_percent",
      "interest_rate_percent",
      "monthly_rent"
     ],
     "properties": {
      "price": {
       "type": "string",
       "description": "purchase price"
      },
      "monthly_rent": {
       "type": "string",
       "description": "expected monthly rent"
      },
      "insurance_annual": {
       "type": "string",
       "description": "optional yearly insurance, default 0.5% of price"
      },
      "down_payment_percent": {
       "type": "string",
       "description": "down payment in percent"
      },
      "property_tax_percent": {
       "type": "string",
       "description": "optional yearly tax as percent of price, default 1.1"
      },
      "interest_rate_percent": {
       "type": "string",
       "description": "mortgage rate in percent"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "json"
    },
    "example": {
     "type": "object",
     "required": [
      "cap_rate_percent",
      "monthly_cash_flow"
     ],
     "properties": {
      "dscr": {
       "type": [
        "number",
        "null"
       ],
       "description": "NOI divided by debt service; lenders usually want 1.25 or more"
      },
      "note": {
       "type": "string",
       "description": "Plain-language caveat about how to read and use the result"
      },
      "price": {
       "type": "number",
       "description": "Purchase price used"
      },
      "source": {
       "type": "string",
       "description": "Where the data or formula comes from"
      },
      "verdict": {
       "type": "string",
       "description": "Plain-language summary of cash flow and coverage"
      },
      "loan_amount": {
       "type": "number",
       "description": "Mortgage principal after the down payment"
      },
      "cash_invested": {
       "type": "number",
       "description": "Down payment plus closing costs and rehab"
      },

… (truncated)
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/saylor-innovations-data-desk-rental-property-analysis-2da663ae/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from saylorinnovations.com](https://www.zero.xyz/host/saylorinnovations.com/llms.txt)