{"id":120528,"recorded_at":"2026-10-26T14:40:18.193108Z","observed_at":"2026-10-26T14:40:18.193072Z","subject_kind":"source_record","subject":"x402_bazaar:https://saylorinnovations.com/api/realestate/rental-analysis","kind":"listing","method":"baseline/1","body":{"endpoints":[["x402","https://saylorinnovations.com/api/realestate/rental-analysis"]],"name":"Saylor Innovations Data Desk","owner_address":"0xa2a8df0f7caabea4e120a2568118f141569fc8aa","raw":{"accepts":[{"amount":"10000","asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","extra":{"assetTransferMethod":"eip3009","facilitatorOnly":true,"memo":"saylor:datadesk:rental-property-","name":"USD Coin","note":"Base settles through an x402 facilitator. Send payload.signature and payload.authorization (EIP-3009); there is no self-submitted path on this network.","version":"2"},"maxTimeoutSeconds":120,"network":"eip155:8453","payTo":"0xA2A8dF0f7CaaBEa4e120a2568118f141569fc8aa","scheme":"exact"},{"amount":"10000","asset":"0x3c499c542cEF5E3811e1192ce70d8cC03d5c3359","extra":{"assetTransferMethod":"eip3009","facilitatorOnly":true,"memo":"saylor:datadesk:rental-property-","name":"USD Coin","note":"Polygon settles through an x402 facilitator. Send payload.signature and payload.authorization (EIP-3009); there is no self-submitted path on this network.","version":"2"},"maxTimeoutSeconds":120,"network":"eip155:137","payTo":"0xA2A8dF0f7CaaBEa4e120a2568118f141569fc8aa","scheme":"exact"},{"amount":"10000","asset":"0xaf88d065e77c8cC2239327C5EDb3A432268e5831","extra":{"assetTransferMethod":"eip3009","facilitatorOnly":true,"memo":"saylor:datadesk:rental-property-","name":"USD Coin","note":"Arbitrum settles through an x402 facilitator. Send payload.signature and payload.authorization (EIP-3009); there is no self-submitted path on this network.","version":"2"},"maxTimeoutSeconds":120,"network":"eip155:42161","payTo":"0xA2A8dF0f7CaaBEa4e120a2568118f141569fc8aa","scheme":"exact"},{"amount":"10000","asset":"EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v","extra":{"feePayer":"BENrLoUbndxoNMUS5JXApGMtNykLjFXXixMtpDwDR9SP","memo":"saylor:datadesk:rental-property-","reference":"PjS8SL5cLRv57EuuTF1i14nbfcfiYwifshWeCqmhsdr","session":"eyJhcnRpY2xlSWQiOiJkYXRhZGVzazpyZW50YWwtcHJvcGVydHktYW5hbHlzaXMiLCJyZWZlcmVuY2UiOiJQalM4U0w1Y0xSdjU3RXV1VEYxaTE0bmJmY2ZpWXdpZnNoV2VDcW1oc2RyIiwicmVjaXBpZW50IjoiN0xTamZySmY4Zk5zQjhWQTl1N04zV0VuMjVzbVFMcG9iM1N2eVV2WGFjeTciLCJtaW50IjoiRVBqRldkZDVBdWZxU1NxZU0ycU4xeHp5YmFwQzhHNHdFR0drWnd5VER0MXYiLCJtaW5BbW91bnQiOjEwMDAwLCJleHAiOjE3OTI5NzMyODc1MDJ9.8inCRtIr3WvcAqzMNtub8VZ9oGDwVPnUFb0QCBqng5Y"},"maxTimeoutSeconds":120,"network":"solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp","payTo":"7LSjfrJf8fNsB8VA9u7N3WEn25smQLpob3SvyUvXacy7","scheme":"exact"},{"amount":"10000","asset":"Es9vMFrzaCERmJfrF4H2FYD4KCoNkY11McCe8BenwNYB","extra":{"feePayer":"BENrLoUbndxoNMUS5JXApGMtNykLjFXXixMtpDwDR9SP","memo":"saylor:datadesk:rental-property-","reference":"7RXQfPnTQPShfygfBgBSGPc2brQp77Ntj5t6yBEHhDDb","session":"eyJhcnRpY2xlSWQiOiJkYXRhZGVzazpyZW50YWwtcHJvcGVydHktYW5hbHlzaXMiLCJyZWZlcmVuY2UiOiI3UlhRZlBuVFFQU2hmeWdmQmdCU0dQYzJiclFwNzdOdGo1dDZ5QkVIaEREYiIsInJlY2lwaWVudCI6IjdMU2pmckpmOGZOc0I4VkE5dTdOM1dFbjI1c21RTHBvYjNTdnlVdlhhY3k3IiwibWludCI6IkVzOXZNRnJ6YUNFUm1KZnJGNEgyRllENEtDb05rWTExTWNDZThCZW53TllCIiwibWluQW1vdW50IjoxMDAwMCwiZXhwIjoxNzkyOTczMjg3NTAyfQ.y9IICTf-TEp7pab2en2SBWQZONaykjc81KADrV61XIg"},"maxTimeoutSeconds":120,"network":"solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp","payTo":"7LSjfrJf8fNsB8VA9u7N3WEn25smQLpob3SvyUvXacy7","scheme":"exact"},{"amount":"95877","asset":"So11111111111111111111111111111111111111112","extra":{"memo":"saylor:datadesk:rental-property-","native":true,"note":"Native SOL: send lamports with a system transfer, not an SPL transfer. Price is quoted live and this quote expires in 120s.","quotedLamports":"98843","reference":"FYrmtutRcWWTdjDvrGfiPvW6qFU7ssoxqrr6KfWhwEXi","session":"eyJhcnRpY2xlSWQiOiJkYXRhZGVzazpyZW50YWwtcHJvcGVydHktYW5hbHlzaXMiLCJyZWZlcmVuY2UiOiJGWXJtdHV0UmNXV1RkakR2ckdmaVB2VzZxRlU3c3NveHFycjZLZldod0VYaSIsInJlY2lwaWVudCI6IjdMU2pmckpmOGZOc0I4VkE5dTdOM1dFbjI1c21RTHBvYjNTdnlVdlhhY3k3IiwibWludCI6bnVsbCwibWluQW1vdW50Ijo5NTg3NywiZXhwIjoxNzkyOTczMjg3NTAyfQ.M8cWfLSG9SEI3fwq00-0LOa2Jitj1ZW4-xqeaBdO7fQ","solUsdPrice":101.17},"maxTimeoutSeconds":120,"network":"solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp","payTo":"7LSjfrJf8fNsB8VA9u7N3WEn25smQLpob3SvyUvXacy7","scheme":"exact"}],"description":"Rental property underwriting: NOI, cap rate, monthly cash flow, cash-on-cash return, DSCR, gross rent multiplier and break-even occupancy from price and rent.","extensions":{"bazaar":{"info":{"input":{"method":"GET","queryParams":{"down_payment_percent":"20","insurance_annual":"1400","interest_rate_percent":"6.75","monthly_rent":"2400","price":"300000","property_tax_percent":"1.2"},"type":"http"},"output":{"example":{"annual_cash_flow":1491.57,"annual_debt_service":18679.63,"annual_operating_expenses":7188.8,"breakeven_occupancy_percent":89.82,"cap_rate_percent":6.724,"cash_invested":69000,"cash_on_cash_return_percent":2.162,"dscr":1.08,"effective_gross_income":27360,"expense_ratio_percent":26.27,"gross_annual_rent":28800,"gross_rent_multiplier":10.42,"loan_amount":240000,"monthly_cash_flow":124.3,"monthly_mortgage_payment":1556.64,"net_operating_income":20171.2,"note":"Insurance defaults to 0.5% of price when not given. Excludes appreciation, principal paydown, taxes on income and capital expenditures beyond the maintenance share.","one_percent_rule_met":false,"price":300000,"source":"Standard rental property underwriting formulas","verdict":"cash flow positive but thin coverage"},"type":"json"}},"schema":{"$schema":"https://json-schema.org/draft/2020-12/schema","properties":{"input":{"additionalProperties":false,"properties":{"method":{"enum":["GET"],"type":"string"},"queryParams":{"properties":{"down_payment_percent":{"description":"down payment in percent","type":"string"},"insurance_annual":{"description":"optional yearly insurance, default 0.5% of price","type":"string"},"interest_rate_percent":{"description":"mortgage rate in percent","type":"string"},"monthly_rent":{"description":"expected monthly rent","type":"string"},"price":{"description":"purchase price","type":"string"},"property_tax_percent":{"description":"optional yearly tax as percent of price, default 1.1","type":"string"}},"required":["price","down_payment_percent","interest_rate_percent","monthly_rent"],"type":"object"},"type":{"const":"http","type":"string"}},"required":["type","method"],"type":"object"},"output":{"properties":{"example":{"properties":{"annual_cash_flow":{"description":"NOI minus debt service","type":"number"},"annual_debt_service":{"description":"Twelve mortgage payments","type":"number"},"annual_operating_expenses":{"description":"Tax, insurance, maintenance, management and HOA for a year","type":"number"},"breakeven_occupancy_percent":{"description":"Occupancy needed to cover expenses and debt service","type":["number","null"]},"cap_rate_percent":{"description":"NOI divided by price, in percent","type":"number"},"cash_invested":{"description":"Down payment plus closing costs and rehab","type":"number"},"cash_on_cash_return_percent":{"description":"Annual cash flow divided by cash invested, in percent","type":["number","null"]},"dscr":{"description":"NOI divided by debt service; lenders usually want 1.25 or more","type":["number","null"]},"effective_gross_income":{"description":"Annual rent after vacancy","type":"number"},"expense_ratio_percent":{"description":"Operating expenses as a percent of effective income","type":"number"},"gross_annual_rent":{"description":"Rent at full occupancy for a year","type":"number"},"gross_rent_multiplier":{"description":"Price divided by gross annual rent","type":["number","null"]},"loan_amount":{"description":"Mortgage principal after the down payment","type":"number"},"monthly_cash_flow":{"description":"Annual cash flow divided by twelve","type":"number"},"monthly_mortgage_payment":{"description":"Principal and interest payment","type":"number"},"net_operating_income":{"description":"Income minus operating expenses, before debt service","type":"number"},"note":{"description":"Plain-language caveat about how to read and use the result","type":"string"},"one_percent_rule_met":{"description":"True when monthly rent is at least 1% of the price","type":"boolean"},"price":{"description":"Purchase price used","type":"number"},"source":{"description":"Where the data or formula comes from","type":"string"},"verdict":{"description":"Plain-language summary of cash flow and coverage","type":"string"}},"required":["cap_rate_percent","monthly_cash_flow"],"type":"object"},"type":{"const":"json","type":"string"}},"required":["type"],"type":"object"}},"required":["input"],"type":"object"}}},"iconUrl":"https://res.cloudinary.com/bdb-prod/image/upload/c_fill,ar_1:1,w_256,h_256,f_auto,q_auto/v1791811517/bazaar-icons/bc5e2b3d111ebbef.jpg","lastUpdated":"2026-10-26T00:06:07.55Z","quality":{"l30DaysTotalCalls":2,"l30DaysUniquePayers":2,"lastCalledAt":"2026-10-26T00:06:07.299Z"},"resource":"https://saylorinnovations.com/api/realestate/rental-analysis","serviceName":"Saylor Innovations Data Desk","tags":["rental property calculator","cash on cash return","cap rate and cash flow","dscr for a rental","does this rental cash flow"],"type":"http","x402Version":2},"source":"x402_bazaar","summary":"Rental property underwriting: NOI, cap rate, monthly cash flow, cash-on-cash return, DSCR, gross rent multiplier and break-even occupancy from price and rent."},"body_sha256":"ae793bd39139f7e3f67dc22f452a56f28bf7815198a623d729826f48d985583b","prev_id":null,"leaf":"0xb803d14051170b01a79eaa06623ca6e5495451ee01fa9371d7896c59858625ee","leaf_text":"{\"body\":\"ae793bd39139f7e3f67dc22f452a56f28bf7815198a623d729826f48d985583b\",\"id\":120528,\"kind\":\"listing\",\"method\":\"baseline/1\",\"observed_us\":1793025618193072,\"prev\":null,\"subject\":\"x402_bazaar:https://saylorinnovations.com/api/realestate/rental-analysis\",\"subject_kind\":\"source_record\"}","day":{"day":"2026-10-26","leaves":296695,"root":"0xf43e8dcc3d451a4788b26be904c55e8c4c0fa75c9666796c51db38d37e2c0df8","chained":"0x702d5ac508f08b0d1accf36af25822d8e5660367494edd17a642fb61e158a57a","anchor_chain":"eip155:5042002","anchor_tx":"0x495162f8936e19f0039918feebe6c307f327cd6bf8c37219620b1970041fa9ae","anchor_block":69251483},"proof":["0xb80340a3928b2ed0f7f38dbde17d3b878d978eee1bb4d43ae3479a665ea1be1f","0xbeee8ad7e8c0345f3afe8caae6edba87033db3bc3358cbb34218160312222a0a","0x19a55f4e9ac0db8bb60a433430cd6e0ee3c9277f0629237fd0c38db57b97b5cd","0x28da15499615709af36464b11869d153ddf9fc912400ca35f53904f2bd20448d","0x869ab7d6d1a4b9bff1857f925c9cbcd0fe8dc65a6c5d15860857ec9f640b5b47","0x6ee237f4c386c6a008eea141a0dfbd8db5735d93919a94f3a81b94931519b28b","0x36acd6965927a6f66f2d725d1ebea81f041169fa46e45df659b415d51710daca","0x9747f3cbb1b423817ec5294c5f55c780e4f97f6aeb34342183bbc02844515c51","0x0e1debecbced8f0b1b591e77cca2b2c23f479b10b92a14c2b121216973d8dd9c","0xa4be442ac364076ac81def5d874f026f701ed9c8fce453af09052efe34f0c7ee","0x930671b38b693880d085315beda88a1c227f3639e9a0e0be6b0665bb173a65db","0xb6efd79902cac6d5a402ebecb8069402f00961ab80cd71b4d647fbc686d975ec","0x2f43fe2b2533a5f40c107c114e458e226102f5f8ae91f097e964345880e30928","0xf692ce2b0a640ec9f75aa960e5fb1c2c7091a04e24881798735752c19014e519","0x9f68b5e15459cb62b8c0cd4c124fa61c74147b4a5755a200fbecd21a581635d1","0x123ec8bee20ddc55223eeef5a4f4d6c4b6416515adbb911c56759f5cde56e452","0xd0651cb9bc8155eb52b5247d506e74b8a935057dc190ba52091702ac25ed3a40","0x9a9024edb5069d88a324facb310a5ce8e495214bbaa968f077bede437390194f","0x9b9ce5b74b9bab5121612ef6b64920a8d453cbf311096a423eef9702747e868a"]}