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Sparks RE API — Investor Metrics Calculator
x402
Sparks RE API — Investor Metrics Calculator is a paid API for AI agents from sparks-re-api.sparksdigital-re.workers.dev, paid per call via x402, $0.1/call, status unknown (last checked 2026-10-30).
Calculates real estate investment metrics (cap rate, cash-on-cash return, DSCR, GRM, monthly cash flow, NOI) from property financials
Price / call$0.1
Success—
StatusUnknown
How this service works
Calculate real estate investment metrics from property financials. Required: purchase_price, monthly_rent, down_payment_percent. Returns cap_rate, cash_on_cash, DSCR, gross_rent_multiplier, monthly_cashflow, mortgage, expenses, and annual_noi. Optional inputs have smart defaults (7% rate, 30yr term, 8% vacancy, 10% management). Not financial advice.
Output
Returns a JSON object with cap_rate_percent, cash_on_cash_percent, dscr, gross_rent_multiplier, monthly_cashflow, monthly_mortgage, monthly_expenses, annual_noi, loan_amount, down_payment, monthly_rent, and purchase_price. All metrics are derived from the provided financials using standard real estate investment formulas with smart defaults for any optional inputs not supplied.
Example use cases
Pre-offer rental property evaluation
“I'm thinking about making an offer on a duplex listed at $420,000 that rents for $3,200/month. Can you calculate the cap rate, cash-on-cash return, and monthly cash flow assuming I put 25% down at a 7% rate over 30 years?”
Comparing down payment scenarios
“I'm looking at a $275,000 single-family rental bringing in $1,950/month. Can you run the investor metrics with a 10% down payment so I can see what my DSCR and cash flow would look like at a 7% rate?”
Stress-testing a rental with higher vacancy
“I'm underwriting a rental property priced at $500,000 with $3,800/month rent and 20% down — can you calculate the cap rate and NOI but bump the vacancy rate to 12% and add $2,400/year in estimated repairs?”
Technical details
Endpoint
POSThttps://sparks-re-api.sparksdigital-re.workers.dev/property/investor-metrics?utm_source=zero.xyzWhen to prefer
Use this endpoint when you need fast, deterministic real estate investment metric calculations from raw property financials — no AI interpretation, just formula-based outputs. Ideal when you already have structured property data (price, rent, down payment) and need investor KPIs like cap rate, DSCR, and cash-on-cash return. Prefer this over AI-powered property analysis tools when you want reproducible, consistent calculations rather than probabilistic outputs, and when you need all standard investment metrics in a single call.
Side effects
- Missing required fields (purchase_price, monthly_rent, down_payment_percent) returns a 400 error
- Invalid numeric types for financial inputs may cause computation errors
- Extremely low purchase_price or rent values may produce nonsensical ratios
- down_payment_percent outside 0–100 range may produce invalid loan amounts
- Network timeout on the Cloudflare Worker edge in rare cases
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| annual_taxes | number | Annual taxes (default 1.2% of price) |
| monthly_rent | number | Monthly rental income in dollars |
| vacancy_rate | number | Vacancy rate decimal (default 0.08) |
| interest_rate | number | Annual rate % (default 7) |
| management_fee | number | Management fee decimal (default 0.10) |
| purchase_price | number | Purchase price in dollars |
| loan_term_years | number | Loan term years (default 30) |
| annual_insurance | number | Annual insurance (default $1200) |
| estimated_repairs | number | Annual repairs (default $0) |
| down_payment_percent | number | Down payment percentage (0-100) |
Output
Schema · Response
{
"type": "json",
"example": {
"dscr": 1.19,
"annual_noi": 15480,
"loan_amount": 200000,
"down_payment": 50000,
"monthly_rent": 2000,
"purchase_price": 250000,
"cap_rate_percent": 6.19,
"monthly_cashflow": -40.6,
"monthly_expenses": 2040.6,
"monthly_mortgage": 1330.6,
"cash_on_cash_percent": -0.97,
"gross_rent_multiplier": 10.42
}
}Tags
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