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Sindri Cash-on-Cash Return Calculator
x402
Sindri Cash-on-Cash Return Calculator is a paid API for AI agents from ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-19).
Runs a full multi-year real estate deal analysis including per-category rent/expense growth, a sale scenario, and IRR, returning the first-year cash-on-cash return as the headline metric.
Price / call$0.01
Success—
StatusUnknown
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 divided by total invested cash) as the headline metric, along with a full year-by-year deal analysis covering per-category rent and expense growth, annual cash flows, a sale scenario with net proceeds, and IRR over the holding period.
Example use cases
Buy-and-hold rental property evaluation
“I'm looking at a $320,000 single-family rental — I'd put 25% down, 7% interest rate on a 30-year loan, rent is $2,200/month, vacancy at 8%, property taxes $4,800/year, insurance $1,400/year, maintenance $2,500/year, and I'd sell after 7 years for $420,000. Can you calculate the cash-on-cash return and full deal analysis?”
All-cash purchase deal analysis
“I want to buy a $200,000 rental outright with no mortgage, paying $200,000 cash. Rent is $1,600/month, 5% vacancy, $3,200/year taxes, $1,000/year insurance, $1,800/year maintenance, $150/month HOA, and I'll sell in 5 years for $240,000. What's my cash-on-cash return and IRR?”
High-rehab BRRRR strategy analysis
“Analyze this rehab deal: purchase price $180,000, $45,000 rehab costs, 20% down on a 30-year loan at 7.25%, $1,900/month rent, 8% vacancy, $3,600/year taxes, $1,200/year insurance, $1,500/year maintenance, hold for 8 years and sell for $310,000. What are the cash-on-cash returns and IRR?”
Technical details
Endpoint
POSThttps://ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws/cashOnCashReturnCalculator?utm_source=zero.xyzWhen to prefer
Use this endpoint when you need a comprehensive multi-year real estate investment analysis that goes beyond simple cap rate or gross yield — specifically when you need cash-on-cash return as the primary metric alongside IRR, year-by-year cash flow projections, per-category expense growth modeling, and a sale scenario. Ideal for buy-and-hold rental property due diligence on single deals. If you only need a cap rate or simple payback period, a simpler calculator may suffice.
Side effects
- Missing required fields (purchasePrice, monthlyRent, downPaymentPercent, interestRate, loanTermYears, holdingLengthYears, annualPropertyTaxes, annualInsurance, annualMaintenance, salePrice) return validation errors
- Invalid parameter ranges (e.g. vacancy rate outside 0-1, loan term outside 1-50 years) may return errors
- downPaymentPercent of 1 (all-cash) with interestRate/loanTermYears provided — those fields are ignored
- Negative or zero purchase price causes computation failure
- Network/Lambda cold-start timeouts on rare occasions
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| salePrice | number | Expected sale price at the end of the holding period. |
| monthlyHOA | number | Monthly HOA fee. Default 0. |
| rehabCosts | number | Upfront rehab/improvement costs. Default 0. |
| monthlyRent | number | Total monthly rent collected, before vacancy/management fee. |
| vacancyRate | number | Expected vacancy rate, as a fraction (0-1). Default 0.08. |
| closingCosts | number | Closing costs. Default 0. |
| interestRate | number | Annual mortgage interest rate, as a fraction. Ignored if downPaymentPercent is 1. |
| loanTermYears | number | Loan term in years (1-50). Ignored if downPaymentPercent is 1. |
| purchasePrice | number | Property purchase price. |
| annualInsurance | number | Annual landlord insurance in the first year. |
| saleExpensesRate | number | Sale costs (agent commission, closing costs, etc.), as a fraction of sale price (0-1). Default 0.09. |
| annualMaintenance | number | Annual maintenance budget in the first year. |
| hoaAnnualIncrease | number | Annual HOA fee growth rate, as a fraction. Default 0.03. |
| downPaymentPercent | number | Down payment as a fraction of purchase price (0-1). Use 1 for an all-cash purchase. |
| holdingLengthYears | number | Number of years you plan to hold the property before selling (1-50). |
| rentAnnualIncrease | number | Annual rent growth rate, as a fraction. Default 0.03. |
| annualPropertyTaxes | number | Annual property taxes in the first year. |
| otherAnnualExpenses | number | Other annual operating expenses in the first year. Default 0. |
| otherAnnualIncrease | number | Annual growth rate for other expenses, as a fraction. Default 0.03. |
| taxesAnnualIncrease | number | Annual property tax growth rate, as a fraction. Default 0.03. |
| insuranceAnnualIncrease | number | Annual insurance growth rate, as a fraction. Default 0.03. |
| maintenanceAnnualIncrease | number | Annual maintenance cost growth rate, as a fraction. Default 0.03. |
| propertyManagementFeeRate | number | Property management fee, as a fraction of gross rent (0-1). Default 0.10. |
Tags
x402
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