75trust / 100

Rental Property Calculator

x402 APIPassing, checked 51 min ago

Rental property investment calculator. Full multi-year deal analysis for a rental property deal: mortgage, per-category rent/expense growth, a sale scenario, IRR, and cumulative totals over the holding period, alongside the first-year NOI/cap-rate/cash-on-cash snapshot.

POST https://ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws/rentalPropertyCalculator

Last 30 days

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Status and outage history · Atom feed

Uptime: 100%
Response time: 435 ms typical, 677 ms slowest 5%
Last check: 51 min ago
Next check: any minute now

How to call it

POST https://ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws/rentalPropertyCalculator

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/rentalPropertyCalculator
content-type: application/json

{
  "annualInsurance": 0,
  "annualMaintenance": 0,
  "annualPropertyTaxes": 0,
  "closingCosts": 0,
  "downPaymentPercent": 0.2,
  "hoaAnnualIncrease": 0,
  "holdingLengthYears": 2,
  "insuranceAnnualIncrease": 0,
  "interestRate": 0,
  "loanTermYears": 10,
  "maintenanceAnnualIncrease": 0,
  "monthlyHOA": 0,
  "monthlyRent": 2000,
  "otherAnnualExpenses": 0,
  "otherAnnualIncrease": 0,
  "propertyManagementFeeRate": 0,
  "purchasePrice": 200000,
  "rehabCosts": 0,
  "rentAnnualIncrease": 0,
  "saleExpensesRate": 0,
  "salePrice": 200000,
  "taxesAnnualIncrease": 0,
  "vacancyRate": 0
}

Parameters

Parameter	Type	Required	Description
`annualInsurance`	number	Yes	Annual landlord insurance in the first year.
`annualMaintenance`	number	Yes	Annual maintenance budget in the first year.
`annualPropertyTaxes`	number	Yes	Annual property taxes in the first year.
`closingCosts`	number	No	Closing costs. Default 0. Default: 0.
`downPaymentPercent`	number	Yes	Down payment as a fraction of purchase price (0-1). Use 1 for an all-cash purchase.
`hoaAnnualIncrease`	number	No	Annual HOA fee growth rate, as a fraction. Default 0.03. Default: 0.03.
`holdingLengthYears`	number	Yes	Number of years you plan to hold the property before selling (1-50).
`insuranceAnnualIncrease`	number	No	Annual insurance growth rate, as a fraction. Default 0.03. Default: 0.03.
`interestRate`	number	Yes	Annual mortgage interest rate, as a fraction. Ignored if downPaymentPercent is 1.
`loanTermYears`	number	Yes	Loan term in years (1-50). Ignored if downPaymentPercent is 1.
`maintenanceAnnualIncrease`	number	No	Annual maintenance cost growth rate, as a fraction. Default 0.03. Default: 0.03.
`monthlyHOA`	number	No	Monthly HOA fee. Default 0. Default: 0.
`monthlyRent`	number	Yes	Total monthly rent collected, before vacancy/management fee.
`otherAnnualExpenses`	number	No	Other annual operating expenses in the first year. Default 0. Default: 0.
`otherAnnualIncrease`	number	No	Annual growth rate for other expenses, as a fraction. Default 0.03. Default: 0.03.
`propertyManagementFeeRate`	number	No	Property management fee, as a fraction of gross rent (0-1). Default 0.10. Default: 0.1.
`purchasePrice`	number	Yes	Property purchase price.
`rehabCosts`	number	No	Upfront rehab/improvement costs. Default 0. Default: 0.
`rentAnnualIncrease`	number	No	Annual rent growth rate, as a fraction. Default 0.03. Default: 0.03.
`saleExpensesRate`	number	No	Sale costs (agent commission, closing costs, etc.), as a fraction of sale price (0-1). Default 0.09. Default: 0.09.
`salePrice`	number	Yes	Expected sale price at the end of the holding period.
`taxesAnnualIncrease`	number	No	Annual property tax growth rate, as a fraction. Default 0.03. Default: 0.03.
`vacancyRate`	number	No	Expected vacancy rate, as a fraction (0-1). Default 0.08. Default: 0.08.

Example response

The provider's example. We can't check it without paying.

Example response, 66 lines

{
  "data": {
    "firstYear": {
      "NOI": 24000,
      "capRate": 0.12,
      "cashFlow": 8000,
      "cashOnCashReturn": 0.2
    },
    "investedCash": 40000,
    "irr": 0.5177,
    "monthlyMortgagePayment": 1333.33,
    "params": {
      "annualInsurance": 0,
      "annualMaintenance": 0,
      "annualPropertyTaxes": 0,
      "closingCosts": 0,
      "downPaymentPercent": 0.2,
      "hoaAnnualIncrease": 0,
      "holdingLengthYears": 2,
      "insuranceAnnualIncrease": 0,
      "interestRate": 0,
      "loanTermYears": 10,
      "maintenanceAnnualIncrease": 0,
      "monthlyHOA": 0,
      "monthlyRent": 2000,
      "otherAnnualExpenses": 0,
      "otherAnnualIncrease": 0,
      "propertyManagementFeeRate": 0,
      "purchasePrice": 200000,
      "rehabCosts": 0,
      "rentAnnualIncrease": 0,
      "saleExpensesRate": 0,
      "salePrice": 200000,
      "taxesAnnualIncrease": 0,
      "vacancyRate": 0
    },
    "sale": {
      "impliedAnnualGrowthRate": 0,
      "netProceeds": 72000,
      "totalProfitAfterSale": 48000
    },
    "totals": {
      "NOI": 48000,
      "expenses": 0,
      "mortgagePayments": 32000,
      "operatingCashFlow": 16000,
      "rentalIncome": 48000
    },
    "yearByYear": [
      {
        "NOI": 24000,
        "annualCashFlow": 8000,
        "annualCoCReturn": 0.2,
        "annualExpenses": 0,
        "annualIncome": 24000,
        "annualMortgagePayment": 16000,
        "interestPortion": 0,
        "loanBalance": 144000,
        "principalPortion": 16000,
        "totalEquity": 56000,
        "year": 1
      }
    ]
  },
  "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/rentalPropertyCalculator' \
  -H 'content-type: application/json' \
  --data-raw '{"annualInsurance":0,"annualMaintenance":0,"annualPropertyTaxes":0,"closingCosts":0,"downPaymentPercent":0.2,"hoaAnnualIncrease":0,"holdingLengthYears":2,"insuranceAnnualIncrease":0,"interestRate":0,"loanTermYears":10,"maintenanceAnnualIncrease":0,"monthlyHOA":0,"monthlyRent":2000,"otherAnnualExpenses":0,"otherAnnualIncrease":0,"propertyManagementFeeRate":0,"purchasePrice":200000,"rehabCosts":0,"rentAnnualIncrease":0,"saleExpensesRate":0,"salePrice":200000,"taxesAnnualIncrease":0,"vacancyRate":0}'

# 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/rentalPropertyCalculator' \
  -H 'content-type: application/json' \
  --data-raw '{"annualInsurance":0,"annualMaintenance":0,"annualPropertyTaxes":0,"closingCosts":0,"downPaymentPercent":0.2,"hoaAnnualIncrease":0,"holdingLengthYears":2,"insuranceAnnualIncrease":0,"interestRate":0,"loanTermYears":10,"maintenanceAnnualIncrease":0,"monthlyHOA":0,"monthlyRent":2000,"otherAnnualExpenses":0,"otherAnnualIncrease":0,"propertyManagementFeeRate":0,"purchasePrice":200000,"rehabCosts":0,"rentAnnualIncrease":0,"saleExpensesRate":0,"salePrice":200000,"taxesAnnualIncrease":0,"vacancyRate":0}' \
  | 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%2FrentalPropertyCalculator&method=POST
const res = await pay("https://ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws/rentalPropertyCalculator", {
  method: "POST",
  headers: { "content-type": "application/json" },
  body: JSON.stringify({
    "annualInsurance": 0,
    "annualMaintenance": 0,
    "annualPropertyTaxes": 0,
    "closingCosts": 0,
    "downPaymentPercent": 0.2,
    "hoaAnnualIncrease": 0,
    "holdingLengthYears": 2,
    "insuranceAnnualIncrease": 0,
    "interestRate": 0,
    "loanTermYears": 10,
    "maintenanceAnnualIncrease": 0,
    "monthlyHOA": 0,
    "monthlyRent": 2000,
    "otherAnnualExpenses": 0,
    "otherAnnualIncrease": 0,
    "propertyManagementFeeRate": 0,
    "purchasePrice": 200000,
    "rehabCosts": 0,
    "rentAnnualIncrease": 0,
    "saleExpensesRate": 0,
    "salePrice": 200000,
    "taxesAnnualIncrease": 0,
    "vacancyRate": 0
  }),
});
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/rentalPropertyCalculator",
        json={
            "annualInsurance": 0,
            "annualMaintenance": 0,
            "annualPropertyTaxes": 0,
            "closingCosts": 0,
            "downPaymentPercent": 0.2,
            "hoaAnnualIncrease": 0,
            "holdingLengthYears": 2,
            "insuranceAnnualIncrease": 0,
            "interestRate": 0,
            "loanTermYears": 10,
            "maintenanceAnnualIncrease": 0,
            "monthlyHOA": 0,
            "monthlyRent": 2000,
            "otherAnnualExpenses": 0,
            "otherAnnualIncrease": 0,
            "propertyManagementFeeRate": 0,
            "purchasePrice": 200000,
            "rehabCosts": 0,
            "rentAnnualIncrease": 0,
            "saleExpensesRate": 0,
            "salePrice": 200000,
            "taxesAnnualIncrease": 0,
            "vacancyRate": 0,
        },
    )
    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
51 min ago	Passed	402	439 ms	$0.01
5 h ago	Passed	402	453 ms	$0.01
9 h ago	Passed	402	400 ms	$0.01
12 h ago	Passed	402	456 ms	$0.01
16 h ago	Passed	402	391 ms	$0.01
20 h ago	Passed	402	428 ms	$0.01
24 h ago	Passed	402	435 ms	$0.01
27 h ago	Passed	402	434 ms	$0.01
31 h ago	Passed	402	451 ms	$0.01
35 h ago	Passed	402	361 ms	$0.01
38 h ago	Passed	402	677 ms	$0.01
42 h ago	Passed	402	454 ms	$0.01
45 h ago	Passed	402	426 ms	$0.01
2 days ago	Passed	402	378 ms	$0.01
2 days ago	Passed	402	562 ms	$0.01

Trust score 75

Availability (30-day uptime)		30 / 30
Valid x402 challenge		15 / 15
Response time		7 / 10
Real paying agents (30 days)		3 / 15
Charges what it lists		10 / 10
Security scan		10 / 10
Verified owner		0 / 10

How the score works

Payment terms

Price: $0.01 per call
Listed at: $0.01
Token: USDC
Networks: Base, Solana
Pays to: 0x548e…c5F6

Real usage

Paying agents: 1 in 30 days
Paid calls: 2 in 30 days
Last paid call: 13 days ago

Source: x402 Bazaar settlement data.

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