# Sindri House Hacking Calculator

> 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.

## Facts

- Endpoint: POST https://ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws/houseHackingCalculator?utm_source=zero.xyz
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-02
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/sindri-house-hacking-calculator-bd2ff486
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_KL7Xe9qxMU0eI3iM8WJLx

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-house-hacking-calculator-bd2ff486 -d '<json body>'
```

Example prompt: I'm thinking of house-hacking a $450,000 triplex — I'd put 10% down on a 30-year mortgage at 6.8% interest, rent out the 2 other units at $1,400 each per month, expect a 5% vacancy rate, 1.1% property tax rate, $2,000 a year for insurance, $3,000 annual maintenance, no HOA, and I'd be saving $1,200/month in rent I'd otherwise pay elsewhere — what's my true monthly net-worth impact?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "monthlyHOA": {
   "type": "number",
   "default": 0,
   "description": "Monthly HOA fee. Default 0."
  },
  "rentPerUnit": {
   "type": "number",
   "description": "Monthly rent charged per unit."
  },
  "vacancyRate": {
   "type": "number",
   "description": "Expected vacancy rate, as a fraction (0-1)."
  },
  "interestRate": {
   "type": "number",
   "description": "Annual mortgage interest rate, as a fraction."
  },
  "loanTermYears": {
   "type": "number",
   "description": "Loan term in years (1-50)."
  },
  "purchasePrice": {
   "type": "number",
   "description": "Property purchase price."
  },
  "rentableUnits": {
   "type": "number",
   "description": "Number of rentable units/rooms other than your own."
  },
  "annualInsurance": {
   "type": "number",
   "description": "Annual homeowner/landlord insurance."
  },
  "propertyTaxRate": {
   "type": "number",
   "description": "Annual property tax rate, as a fraction of purchase price (0-1)."
  },
  "annualMaintenance": {
   "type": "number",
   "description": "Annual maintenance budget."
  },
  "downPaymentPercent": {
   "type": "number",
   "description": "Down payment as a fraction of purchase price (0-1)."
  },
  "rentSavingsPerMonth": {
   "type": "number",
   "default": 0,
   "description": "Market rent you avoid paying elsewhere by living in this property, per month. Default 0."
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/sindri-house-hacking-calculator-bd2ff486/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)