House Hacking Calculator
by Sindri in Markets & finance
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.
POST https://ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws/houseHackingCalculator
Last 30 days
Status and outage history · Atom feed
- Uptime
- 100%
- Response time
- 147 ms typical, 510 ms slowest 5%
- Last check
- 2 h ago
- Next check
- any minute now
How to call it
POST https://ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws/houseHackingCalculator
Each call costs $0.01 in USDC on Base, paid with the request over x402.
Run a free test callOne unpaid request, the way an agent sends it. You see the payment challenge it gets back. Nothing is charged.
Example request
From the listing.
POST https://ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws/houseHackingCalculator
content-type: application/json
{
"annualInsurance": 1500,
"annualMaintenance": 4000,
"downPaymentPercent": 0.05,
"interestRate": 0.065,
"loanTermYears": 30,
"monthlyHOA": 0,
"propertyTaxRate": 0.01,
"purchasePrice": 400000,
"rentPerUnit": 1200,
"rentSavingsPerMonth": 1200,
"rentableUnits": 2,
"vacancyRate": 0.08
}Parameters
| Parameter | Type | Required | Description |
|---|---|---|---|
annualInsurance | number | Yes | Annual homeowner/landlord insurance. |
annualMaintenance | number | Yes | Annual maintenance budget. |
downPaymentPercent | number | Yes | Down payment as a fraction of purchase price (0-1). |
interestRate | number | Yes | Annual mortgage interest rate, as a fraction. |
loanTermYears | number | Yes | Loan term in years (1-50). |
monthlyHOA | number | No | Monthly HOA fee. Default 0. Default: 0. |
propertyTaxRate | number | Yes | Annual property tax rate, as a fraction of purchase price (0-1). |
purchasePrice | number | Yes | Property purchase price. |
rentPerUnit | number | Yes | Monthly rent charged per unit. |
rentSavingsPerMonth | number | No | Market rent you avoid paying elsewhere by living in this property, per month. Default 0. Default: 0. |
rentableUnits | number | Yes | Number of rentable units/rooms other than your own. |
vacancyRate | number | Yes | Expected vacancy rate, as a fraction (0-1). |
Example response
The provider's example. We can't check it without paying.
{
"data": {
"additionalExpensesMonthly": 791.6666666666666,
"averageIncomeMonthly": 2208,
"monthlyMortgagePayment": 2401.8584892732683,
"netCashFlowMonthly": -985.525155939935,
"overallNetWorthImpactMonthly": 557.9999999999999,
"params": {
"annualInsurance": 1500,
"annualMaintenance": 4000,
"downPaymentPercent": 0.05,
"interestRate": 0.065,
"loanTermYears": 30,
"monthlyHOA": 0,
"propertyTaxRate": 0.01,
"purchasePrice": 400000,
"rentPerUnit": 1200,
"rentSavingsPerMonth": 1200,
"rentableUnits": 2,
"vacancyRate": 0.08
},
"principalPaydownMonthly": 343.52515593993485
},
"ok": true
}Call it from code
The curl command shows the payment challenge. The JavaScript and Python versions pay and call, and never pay more than $0.01.
curl: see the payment challenge
# bash or zsh: see the payment challenge. Nothing is charged.
curl -sS -g -i -X POST 'https://ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws/houseHackingCalculator' \
-H 'content-type: application/json' \
--data-raw '{"annualInsurance":1500,"annualMaintenance":4000,"downPaymentPercent":0.05,"interestRate":0.065,"loanTermYears":30,"monthlyHOA":0,"propertyTaxRate":0.01,"purchasePrice":400000,"rentPerUnit":1200,"rentSavingsPerMonth":1200,"rentableUnits":2,"vacancyRate":0.08}'
# x402 v2 sends the challenge base64-encoded in the PAYMENT-REQUIRED header (v1 sends it in the body).
# To read the header:
curl -sS -g -o /dev/null -D - -X POST 'https://ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws/houseHackingCalculator' \
-H 'content-type: application/json' \
--data-raw '{"annualInsurance":1500,"annualMaintenance":4000,"downPaymentPercent":0.05,"interestRate":0.065,"loanTermYears":30,"monthlyHOA":0,"propertyTaxRate":0.01,"purchasePrice":400000,"rentPerUnit":1200,"rentSavingsPerMonth":1200,"rentableUnits":2,"vacancyRate":0.08}' \
| grep -i '^payment-required:' | cut -d' ' -f2 | tr -d '\r' | base64 --decodeJavaScript: pay and call
// npm i @x402/fetch @x402/evm viem
import { wrapFetchWithPayment, x402Client } from "@x402/fetch";
import { registerExactEvmScheme } from "@x402/evm/exact/client";
import { privateKeyToAccount } from "viem/accounts";
// Pays at most $0.01 per call.
const client = new x402Client().setSpendControls({ maxAmountPerPayment: "$0.01" });
registerExactEvmScheme(client, { signer: privateKeyToAccount(process.env.EVM_PRIVATE_KEY) });
const pay = wrapFetchWithPayment(fetch, client);
// Not sure it's safe to pay? ToolVet checks it first for $0.005. Pay for that from a separate
// client: this one is capped at $0.01 per payment. GET https://toolvet.app/api/v1/check?url=https%3A%2F%2Fppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws%2FhouseHackingCalculator&method=POST
const res = await pay("https://ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws/houseHackingCalculator", {
method: "POST",
headers: { "content-type": "application/json" },
body: JSON.stringify({
"annualInsurance": 1500,
"annualMaintenance": 4000,
"downPaymentPercent": 0.05,
"interestRate": 0.065,
"loanTermYears": 30,
"monthlyHOA": 0,
"propertyTaxRate": 0.01,
"purchasePrice": 400000,
"rentPerUnit": 1200,
"rentSavingsPerMonth": 1200,
"rentableUnits": 2,
"vacancyRate": 0.08
}),
});
console.log(res.status, await res.text());Python: pay and call
# pip install "x402[requests,evm]"
import os
from eth_account import Account
from x402 import x402ClientSync
from x402.http.clients import x402_requests
from x402.mechanisms.evm import EthAccountSigner
from x402.mechanisms.evm.exact.register import register_exact_evm_client
# Pays at most $0.01 per call.
client = x402ClientSync().set_spend_controls({"max_amount_per_payment": "$0.01"})
register_exact_evm_client(client, EthAccountSigner(Account.from_key(os.environ["EVM_PRIVATE_KEY"])))
with x402_requests(client) as session:
res = session.post(
"https://ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws/houseHackingCalculator",
json={
"annualInsurance": 1500,
"annualMaintenance": 4000,
"downPaymentPercent": 0.05,
"interestRate": 0.065,
"loanTermYears": 30,
"monthlyHOA": 0,
"propertyTaxRate": 0.01,
"purchasePrice": 400000,
"rentPerUnit": 1200,
"rentSavingsPerMonth": 1200,
"rentableUnits": 2,
"vacancyRate": 0.08,
},
)
print(res.status_code, res.text)Security scan
- No findings. We scan names, descriptions and tool definitions for hidden instructions and other prompt-injection patterns.
Recent checks
| When | Result | HTTP | Time | Price |
|---|---|---|---|---|
| 2 h ago | Passed | 402 | 510 ms | $0.01 |
| 6 h ago | Passed | 402 | 139 ms | $0.01 |
| 10 h ago | Passed | 402 | 372 ms | $0.01 |
| 13 h ago | Passed | 402 | 469 ms | $0.01 |
| 17 h ago | Passed | 402 | 134 ms | $0.01 |
| 21 h ago | Passed | 402 | 133 ms | $0.01 |
| 25 h ago | Passed | 402 | 400 ms | $0.01 |
| 29 h ago | Passed | 402 | 447 ms | $0.01 |
| 32 h ago | Passed | 402 | 357 ms | $0.01 |
| 36 h ago | Passed | 402 | 126 ms | $0.01 |
| 39 h ago | Passed | 402 | 563 ms | $0.01 |
| 43 h ago | Passed | 402 | 118 ms | $0.01 |
| 46 h ago | Passed | 402 | 136 ms | $0.01 |
| 2 days ago | Passed | 402 | 128 ms | $0.01 |
| 2 days ago | Passed | 402 | 436 ms | $0.01 |