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Sindri House Hacking Calculator
x402
Sindri House Hacking 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 2026-10-02).
Computes the true monthly net-worth impact of a house-hack by netting rental income against mortgage, expenses, and equity buildup, then adding back avoided rent savings.
Price / call$0.01
Success—
StatusUnknown
How this service works
House hacking calculator. Nets rental income from other units/rooms against your mortgage payment and expenses, then adds back the equity you build via principal paydown and the market rent you avoid paying elsewhere, to compute the true monthly net-worth impact of living in and renting out part of a property.
Output
Returns a breakdown of the monthly net-worth impact including: total rental income (adjusted for vacancy), full mortgage payment (principal + interest), property operating expenses (taxes, insurance, maintenance, HOA), net cash flow, monthly principal paydown (equity built), and avoided rent savings — summed into a single monthly net-worth figure.
Example use cases
First-time buyer evaluating duplex house hack
“I found a $380,000 duplex I want to house-hack — 5% down, 30-year loan at 7% interest, the other unit rents for $1,600/month, I expect 8% vacancy, 1.2% property taxes, $1,800/year insurance, $2,500 annual maintenance, and I'd save $1,100 a month by not renting elsewhere. What would my monthly net-worth impact actually be?”
Investor comparing triplex units vs solo living
“Help me analyze a house-hack on a $520,000 triplex: 20% down, 25-year mortgage at 6.5%, 2 rentable units at $1,250 each, 5% vacancy, 1.0% property tax, $2,200 insurance per year, $4,000 maintenance per year, $300/month HOA, and I'd save $1,500/month in avoided rent. What's the monthly net-worth gain?”
Basement rental scenario for single-family home
“I'm buying a $310,000 single-family home with a finished basement I can rent out — 15% down, 30-year loan at 7.25%, 1 rentable unit for $900/month, 6% vacancy, 1.3% property taxes, $1,500/year insurance, $1,800/year maintenance, no HOA, and I'd be saving $950/month versus renting an apartment. Can you run the house hacking numbers for me?”
Technical details
Endpoint
POSThttps://ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws/houseHackingCalculator?utm_source=zero.xyzWhen to prefer
Use this endpoint when a user wants to evaluate a house-hacking strategy specifically — where they live in one unit and rent out others — and needs a holistic net-worth impact figure that combines cash flow, principal paydown, and avoided rent. Prefer over a generic cash-on-cash calculator when the owner-occupant perspective and rent-savings offset are important, or over a full FIRE/investment calculator when the focus is a single property's housing cost impact rather than portfolio-level projections.
Side effects
- Missing required fields (purchasePrice, downPaymentPercent, interestRate, loanTermYears, rentableUnits, rentPerUnit, vacancyRate, annualInsurance, propertyTaxRate, annualMaintenance) returns a validation error
- Loan term outside 1-50 year range returns an error
- Rates provided as percentages instead of fractions (e.g. 7 instead of 0.07) will produce wildly incorrect results
- Payment failure or insufficient USDC balance returns a 402 error
- Network timeout from Lambda cold start on first invocation
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| monthlyHOA | number | Monthly HOA fee. Default 0. |
| rentPerUnit | number | Monthly rent charged per unit. |
| vacancyRate | number | Expected vacancy rate, as a fraction (0-1). |
| interestRate | number | Annual mortgage interest rate, as a fraction. |
| loanTermYears | number | Loan term in years (1-50). |
| purchasePrice | number | Property purchase price. |
| rentableUnits | number | Number of rentable units/rooms other than your own. |
| annualInsurance | number | Annual homeowner/landlord insurance. |
| propertyTaxRate | number | Annual property tax rate, as a fraction of purchase price (0-1). |
| annualMaintenance | number | Annual maintenance budget. |
| downPaymentPercent | number | Down payment as a fraction of purchase price (0-1). |
| rentSavingsPerMonth | number | Market rent you avoid paying elsewhere by living in this property, per month. Default 0. |
Tags
x402
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