← The evidence ledger
Evidence row 120528
Observed , by baseline/1.
- Kind
- listing
- About
- source_record x402_bazaar:https://saylorinnovations.com/api/realestate/rental-analysis
- Recorded
- Previous row
- None: the first of its kind about this subject
- Body SHA-256
- ae793bd39139f7e3f67dc22f452a56f28bf7815198a623d729826f48d985583b
- Leaf
- 0xb803d14051170b01a79eaa06623ca6e5495451ee01fa9371d7896c59858625ee
What was observed
{
"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."
}What the leaf hashes
{"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"}Proof
Fold these into the leaf in order, hashing each sorted pair with keccak256, to reach the root of (296695 rows).
- 0xb80340a3928b2ed0f7f38dbde17d3b878d978eee1bb4d43ae3479a665ea1be1f
- 0xbeee8ad7e8c0345f3afe8caae6edba87033db3bc3358cbb34218160312222a0a
- 0x19a55f4e9ac0db8bb60a433430cd6e0ee3c9277f0629237fd0c38db57b97b5cd
- 0x28da15499615709af36464b11869d153ddf9fc912400ca35f53904f2bd20448d
- 0x869ab7d6d1a4b9bff1857f925c9cbcd0fe8dc65a6c5d15860857ec9f640b5b47
- 0x6ee237f4c386c6a008eea141a0dfbd8db5735d93919a94f3a81b94931519b28b
- 0x36acd6965927a6f66f2d725d1ebea81f041169fa46e45df659b415d51710daca
- 0x9747f3cbb1b423817ec5294c5f55c780e4f97f6aeb34342183bbc02844515c51
- 0x0e1debecbced8f0b1b591e77cca2b2c23f479b10b92a14c2b121216973d8dd9c
- 0xa4be442ac364076ac81def5d874f026f701ed9c8fce453af09052efe34f0c7ee
- 0x930671b38b693880d085315beda88a1c227f3639e9a0e0be6b0665bb173a65db
- 0xb6efd79902cac6d5a402ebecb8069402f00961ab80cd71b4d647fbc686d975ec
- 0x2f43fe2b2533a5f40c107c114e458e226102f5f8ae91f097e964345880e30928
- 0xf692ce2b0a640ec9f75aa960e5fb1c2c7091a04e24881798735752c19014e519
- 0x9f68b5e15459cb62b8c0cd4c124fa61c74147b4a5755a200fbecd21a581635d1
- 0x123ec8bee20ddc55223eeef5a4f4d6c4b6416515adbb911c56759f5cde56e452
- 0xd0651cb9bc8155eb52b5247d506e74b8a935057dc190ba52091702ac25ed3a40
- 0x9a9024edb5069d88a324facb310a5ce8e495214bbaa968f077bede437390194f
- 0x9b9ce5b74b9bab5121612ef6b64920a8d453cbf311096a423eef9702747e868a
- Day root
- 0xf43e8dcc3d451a4788b26be904c55e8c4c0fa75c9666796c51db38d37e2c0df8
- Chained
- 0x702d5ac508f08b0d1accf36af25822d8e5660367494edd17a642fb61e158a57a
- Published
- On Arc Testnet, block 69251483: 0x495162f8936e19f0039918feebe6c307f327cd6bf8c37219620b1970041fa9ae