# Sindri Cash-on-Cash Return Calculator

> 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.

## Facts

- Endpoint: POST https://ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws/cashOnCashReturnCalculator?utm_source=zero.xyz
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-19
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/sindri-cash-on-cash-return-calculator-f7554f27
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_PzPnA8B7ceNWI5vpUq3Mr

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 sindri-cash-on-cash-return-calculator-f7554f27 -d '<json body>'
```

Example prompt: Run a full cash-on-cash return analysis on a $450,000 rental property with $90,000 down (20%), a 30-year mortgage at 6.8% interest, $2,800/month rent, 8% vacancy, $6,500/year property taxes, $2,000/year insurance, $3,000/year maintenance, and I plan to hold it for 10 years then sell for $600,000.

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## 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/sindri-cash-on-cash-return-calculator-f7554f27/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws](https://www.zero.xyz/host/ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws/llms.txt)