80trust / 100

House Hacking Calculator

by Sindri in Markets & finance

x402 APIPassing, checked 2 h ago

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

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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

ParameterTypeRequiredDescription
annualInsurancenumberYesAnnual homeowner/landlord insurance.
annualMaintenancenumberYesAnnual maintenance budget.
downPaymentPercentnumberYesDown payment as a fraction of purchase price (0-1).
interestRatenumberYesAnnual mortgage interest rate, as a fraction.
loanTermYearsnumberYesLoan term in years (1-50).
monthlyHOAnumberNoMonthly HOA fee. Default 0. Default: 0.
propertyTaxRatenumberYesAnnual property tax rate, as a fraction of purchase price (0-1).
purchasePricenumberYesProperty purchase price.
rentPerUnitnumberYesMonthly rent charged per unit.
rentSavingsPerMonthnumberNoMarket rent you avoid paying elsewhere by living in this property, per month. Default 0. Default: 0.
rentableUnitsnumberYesNumber of rentable units/rooms other than your own.
vacancyRatenumberYesExpected 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 --decode
JavaScript: 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

WhenResultHTTPTimePrice
2 h agoPassed402510 ms$0.01
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