# Sparks RE API — Investor Metrics Calculator

> 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

## Facts

- Endpoint: POST https://sparks-re-api.sparksdigital-re.workers.dev/property/investor-metrics?utm_source=zero.xyz
- Price: $0.1/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-30
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/sparks-re-api-investor-metrics-calculator-38c17360
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_KVUxCDq5wJj8JHM5HuRn_

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 sparks-re-api-investor-metrics-calculator-38c17360 -d '<json body>'
```

Example prompt: Can you run the investor metrics on a $325,000 property with $2,400/month rent and a 20% down payment — use the default 7% interest rate over 30 years and assume 8% vacancy and 10% management fee?

## When to prefer this

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.

## Known failure modes

- 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

## How this service works

AI-powered real estate tools for property normalization, FHA compliance scanning, and investor metrics calculation. Powered by x402 micropayments.

## 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.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "annual_taxes": {
   "type": "number",
   "description": "Annual taxes (default 1.2% of price)"
  },
  "monthly_rent": {
   "type": "number",
   "description": "Monthly rental income in dollars"
  },
  "vacancy_rate": {
   "type": "number",
   "description": "Vacancy rate decimal (default 0.08)"
  },
  "interest_rate": {
   "type": "number",
   "description": "Annual rate % (default 7)"
  },
  "management_fee": {
   "type": "number",
   "description": "Management fee decimal (default 0.10)"
  },
  "purchase_price": {
   "type": "number",
   "description": "Purchase price in dollars"
  },
  "loan_term_years": {
   "type": "number",
   "description": "Loan term years (default 30)"
  },
  "annual_insurance": {
   "type": "number",
   "description": "Annual insurance (default $1200)"
  },
  "estimated_repairs": {
   "type": "number",
   "description": "Annual repairs (default $0)"
  },
  "down_payment_percent": {
   "type": "number",
   "description": "Down payment percentage (0-100)"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "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
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/sparks-re-api-investor-metrics-calculator-38c17360/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from sparks-re-api.sparksdigital-re.workers.dev](https://www.zero.xyz/host/sparks-re-api.sparksdigital-re.workers.dev/llms.txt)