# x402toll Real Estate Cap Rate & Rental Return Calculator

> x402toll Real Estate Cap Rate & Rental Return Calculator is a paid API for AI agents from x402toll.com, paid per call via x402, $0.05/call, status unknown (last checked 2026-09-14).

Computes key rental property return metrics — cap rate, cash-on-cash return, gross rent multiplier, and the 1% rule — given purchase price, rent, expenses, and optional financing details.

## Facts

- Endpoint: POST https://x402toll.com/v1/realestate/cap-rate
- Price: $0.05/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/x402toll-real-estate-cap-rate-rental-return-calculator-0d774092
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_BuTWrDcFVDgV3-FfU0Lqb

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 x402toll-real-estate-cap-rate-rental-return-calculator-0d774092 -d '<json body>'
```

Example prompt: I'm looking at a rental property listed at $350,000 — it brings in $28,800 a year in rent, has $6,000 in annual operating expenses, and I'd put $70,000 down with $18,000 in annual mortgage payments. Can you calculate the cap rate, cash-on-cash return, gross rent multiplier, and tell me if it passes the 1% rule?

## When to prefer this

Use this endpoint when you need a quick, multi-metric rental property analysis in a single call — especially when you want both unleveraged (cap rate, GRM, 1% rule) and leveraged (cash-on-cash) metrics together. Ideal for pre-screening investment properties before deeper due diligence. Prefer over manual spreadsheet calculations or generic financial APIs that don't bundle these four real-estate-specific metrics.

## Known failure modes

- Missing required field purchasePrice returns 400 error
- Missing required field annualRentIncome returns 400 error
- Zero or negative purchasePrice causes division-by-zero or validation error
- Payment not included or insufficient USDC results in 402 Payment Required
- Malformed JSON body returns 400 bad request

## How this service works

Rental property returns: cap rate (unleveraged), cash-on-cash (leveraged), gross rent multiplier, and the 1% rule.

## Output

Returns four rental property return metrics: cap rate (unleveraged NOI/price), cash-on-cash return (leveraged annual cash flow vs. down payment), gross rent multiplier (price/annual rent), and whether the property satisfies the 1% rule (monthly rent ≥ 1% of purchase price).

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "downPayment": {
   "type": "number",
   "default": 0
  },
  "purchasePrice": {
   "type": "number"
  },
  "annualRentIncome": {
   "type": "number"
  },
  "annualDebtService": {
   "type": "number",
   "default": 0
  },
  "annualOperatingExpenses": {
   "type": "number",
   "default": 0
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/x402toll-real-estate-cap-rate-rental-return-calculator-0d774092/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from x402toll.com](https://www.zero.xyz/host/x402toll.com/llms.txt)