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3780 SW 27th Ter

Miami, FL 33134 · single_family · For Sale · 26 days on market
Asking price$725,000
2 beds 2 baths 875 sqft
Suggested offer$673,979$51,021 above the est. market value of $673,979.
View on Realtor.com →
Listed by Odalys Sierra · Compass Florida, LLC.
Typesingle_family
Built1952
Price / sqft$829
Est. value (own analysis)$673,979
Rent estimate (own analysis)$3,500/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeAir2/10MinorFlood1/10minimal$Wildfire1/10Minimal
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Neighborhood

Show every detail
Statusfor_sale
Listed date2026-08-07
Removed date—
MLSMiamiMLS #A12064296
Coordinates25.74033, -80.25593
Address3780 SW 27th Ter
CityMiami
StateFL
Zip33134
Listing ID5014988955
Sourceus-real-estate-listings, cached 2026-08-30

ZIP market snapshot (33134)

Typical home value (ZHVI)$887,965
Typical rent (ZORI)$3,095/mo
Zillow Research's ZHVI (home value index) and ZORI (rent index) for this ZIP, as of 2026-07 — free published data, refreshed monthly, no RentCast quota spent. "Typical value/rent" is a smoothed index, not a literal median of active listings.

Underwriting (buy-and-hold, default assumptions)

Acquisition (one-time, not monthly/yearly)
Purchase price$725,000
Down payment (20.0%)$145,000
Loan amount$580,000
Closing costs (5.0%)$36,250
Total cash to close$181,250
Income
Rent (comp-derived)$3,500$42,000
Vacancy loss (8.0%)

Vacancy Loss

Gross Scheduled Rent × Vacancy Rate

Gross scheduled rent (annual) comp$42,000
Vacancy rate (assumption) assumption8.0%

$42,000 × 8.0% = $3,360

Effective gross income$3,220$38,640
Operating expenses
Property tax (placeholder 1.9% of price)$1,148$13,775
Insurance (est. scaled by flood & wind risk)$725$8,700
HOA dues$0$0
Management (0.0% of EGI)$0$0
Maintenance (5.0% of GSR)$175$2,100
Total operating expenses$2,048$24,575
Net operating income (NOI)

Net Operating Income (NOI)

Effective Gross Income − Total Operating Expenses

Effective gross income derived$38,640
Total operating expenses derived$24,575

$38,640 − $24,575 = $14,065

Debt service & reserves
Debt service (6.66%, avg 30yr rate as of 2026-08-27, 30yr amortizing)

Monthly Principal & Interest

Standard amortization on the loan amount, at the effective rate and term

Loan amount derived$580,000
Interest rate (avg 30yr rate) comp6.7%
Term (assumption) assumption30 years

$580,000 amortized at 6.7% over 30 years = $3,727/mo

CapEx reserve (5.0% of GSR)$175$2,100
Mortgage insurance (PMI) (0.0% of loan, not required — down payment ≥ 20%)$0$0
Cash flow

Monthly Cash Flow

(NOI − Annual Debt Service − Annual CapEx Reserve − Annual PMI) ÷ 12

NOI derived$14,065
Annual debt service derived$44,727
Annual CapEx reserve assumption$2,100
Annual PMI assumption$0

($14,065 − $44,727 − $2,100 − $0) ÷ 12 = -$2,730

Cap rate

Cap Rate

NOI ÷ Purchase Price

NOI derived$14,065
Purchase price data$725,000

$14,065 ÷ $725,000 = 1.9%

Cash-on-cash

Cash-on-Cash Return

Annual Cash Flow ÷ Total Cash Invested

Annual cash flow derived-$32,762
Total cash to close derived$181,250

-$32,762 ÷ $181,250 = -18.1%

DSCR

Debt Service Coverage Ratio (DSCR)

NOI ÷ Annual Debt Service

NOI derived$14,065
Annual debt service derived$44,727

$14,065 ÷ $44,727 = 0.31

Rent-to-price (1% rule)

Rent-to-Price (the "1% rule")

(Gross Scheduled Rent ÷ 12) ÷ Purchase Price

Gross scheduled rent (annual) comp$42,000
Purchase price data$725,000

($42,000 ÷ 12) ÷ $725,000 = 0.5%

Gross rent multiplier

Gross Rent Multiplier (GRM)

Purchase Price ÷ Gross Scheduled Rent

Purchase price data$725,000
Gross scheduled rent (annual) comp$42,000

$725,000 ÷ $42,000 = 17.3

Operating expense ratio

Operating Expense Ratio

Total Operating Expenses ÷ Effective Gross Income

Total operating expenses derived$24,575
Effective gross income derived$38,640

$24,575 ÷ $38,640 = 63.6%

Break-even occupancy

Break-Even Occupancy

(Total OpEx + Annual Debt Service + Annual PMI) ÷ Gross Scheduled Rent

Total operating expenses derived$24,575
Annual debt service derived$44,727
Annual PMI assumption$0
Gross scheduled rent (annual) comp$42,000

($24,575 + $44,727 + $0) ÷ $42,000 = 165.0%

Comparables

Same ZIP. Real active rental listings, used to derive the rent estimate above.

AddressTypeBedsBathsSqftAsking rentListedDays on market
single_family21816$3,1002026-08-10—
single_family211,086$3,9002026-06-19—
single_family231,000$3,900——
single_family211,000$3,0002025-05-22—
single_family221,000$3,100——
single_family21896$3,9002026-03-30—

2920 SW 38th Ct

Miami, 33134 · rent comp

Bedrooms / bathrooms2 bd / 1 ba
Square footage816
Listed2026-08-10
Days on market—

Asking rent: $3,100

View on Zillow →

4456 SW 10th St

Miami, 33134 · rent comp

Bedrooms / bathrooms2 bd / 1 ba
Square footage1,086
Listed2026-06-19
Days on market—

Asking rent: $3,900

View on Zillow →

4288 SW 9th St # 1

Miami, 33134 · rent comp

Bedrooms / bathrooms2 bd / 3 ba
Square footage1,000
Listed—
Days on market—

Asking rent: $3,900

View on Zillow →

2955 SW 38th Ave

Coral Gables, 33134 · rent comp

Bedrooms / bathrooms2 bd / 1 ba
Square footage1,000
Listed2025-05-22
Days on market—

Asking rent: $3,000

View on Zillow →

15 Madeira Ave Apt 3

Coral Gables, 33134 · rent comp

Bedrooms / bathrooms2 bd / 2 ba
Square footage1,000
Listed—
Days on market—

Asking rent: $3,100

View on Zillow →

Coral Gables, 33134 · rent comp

Bedrooms / bathrooms2 bd / 1 ba
Square footage896
Listed2026-03-30
Days on market—

Asking rent: $3,900

View on Zillow →

Same ZIP & bedroom count. Closed sales from Realtor.com over the last 12 months, matched to this property's type — real transaction prices, not asking prices. Falls back to Miami-Dade County public records (property appraiser tax roll) when Realtor.com has no sales on file for the area.

AddressTypeBedsBathsLiving sqftSale priceSale date
1400 Madrid Stsingle_family221,582$895,0002026-08-20
1310 Madrid Stsingle_family221,200$1,250,0002026-08-13
434 Mendoza Avesingle_family211,314$890,0002026-08-07
4355 SW 2nd Stsingle_family221,095$650,0002026-08-05
1425 Venetia Avesingle_family221,466$1,300,0002026-08-03
512 Mendoza Avesingle_family221,330$950,0002026-07-15
919 Lisbon Stsingle_family211,605$1,285,0002026-07-14
4370 SW 11th Stsingle_family21850$725,0002026-06-29
739 Aledo Avesingle_family211,492$1,675,0002026-06-29
430 Sarto Avesingle_family221,423$1,100,0002026-06-25
5117 SW 7th Stsingle_family212,057$1,195,0002026-06-24
5561 SW 5th Tersingle_family211,217$539,0002026-06-24
5280 SW 6th Stsingle_family21907$640,0002026-06-23
323 Velarde Avesingle_family221,388$1,250,0002026-06-22
4235 SW 4th Stsingle_family211,546$820,0002026-06-16
1247 Anastasia Avesingle_family222,525$2,300,0002026-06-04
1418 Cordova Stsingle_family221,436$1,425,0002026-06-01
3951 SW 2nd Tersingle_family21884$725,0002026-05-28
103 Romano Avesingle_family211,113$610,0002026-05-26
4220 SW 13th Stsingle_family211,161$680,0002026-05-20
4366 SW 5th Tersingle_family22770$635,0002026-05-19
1200 El Rado Stsingle_family211,493$1,150,0002026-05-13
5433516977single_family221,824$1,715,0002026-05-12
1225 Tangier Stsingle_family221,232$1,230,0002026-04-28
720 Madeira Avesingle_family212,108$3,000,0002026-04-22
305 Fluvia Avesingle_family211,442$1,325,0002026-04-16
122 Camilo Avesingle_family211,610$965,0002026-04-09
4371 SW 4th Stsingle_family211,218$250,0002026-04-09
140 SW 48th Ctsingle_family211,078$520,0002026-04-01
4729 SW 4th Stsingle_family212,155$350,0002026-04-01
833 Tangier Stsingle_family21924$842,5002026-03-31
438 Mendoza Avesingle_family221,545$1,100,0002026-03-25
500 Aragon Avesingle_family221,345$1,300,0002026-03-18
4230 SW 5th Stsingle_family211,926$695,0002026-03-16
1011 Cortez Stsingle_family211,158$810,0002026-03-06
740 Majorca Avesingle_family231,742$2,025,0002026-02-23
605 Navarre Avesingle_family221,531$1,375,0002026-01-30
1433 Ortega Avesingle_family221,362$975,0002026-01-30
517 Minorca Avesingle_family211,622$1,475,0002026-01-23
917 Granada Groves Ctsingle_family221,457$1,250,0002026-01-23
410 Navarre Avesingle_family221,357$1,015,0002026-01-17
1111 Columbus Blvdsingle_family221,532$1,120,0002026-01-16
1409 Medina Avesingle_family221,273$950,0002026-01-14

Same ZIP. Other properties currently for sale nearby — asking prices, not closed sale prices. Not a price comp; see Sold comps for actual transaction history.

AddressTypeBedsBathsSqftAsking priceDays on market
122 SW 56th Avesingle_family221,156$599,000—
4060 SW 6th Stsingle_family211,027$669,500—
215 SW 42nd Ave Apt 401condos22996$490,000—
1715 Douglas Rd Unit 200condos22960$935,900—
1715 Douglas Rd Unit 206condos22842$861,900—
215 SW 42nd Ave Apt 810condos22996$399,000—
4485 SW 7th Stmulti_family221,216$780,000—
215 SW 42nd Ave Ph 8condos22920$434,000—

10-year hold projection

IRR-2.1%
Equity multiple0.66x
Total return (10yr)$32,526
YearProperty valueNOICash flowLoan balanceEquity
1$746,750$14,065-$32,762$573,711$173,039
2$769,153$14,610-$32,270$566,991$202,161
3$792,227$15,174-$31,759$559,809$232,418
4$815,994$15,758-$31,230$552,134$263,860
5$840,474$16,363-$30,681$543,932$296,542
6$865,688$16,990-$30,113$535,167$330,521
7$891,659$17,639-$29,524$525,799$365,859
8$918,408$18,310-$28,913$515,789$402,619
9$945,961$19,006-$28,280$505,091$440,870
10$974,339$19,726-$27,624$493,658$480,681
Assumes 3.0% annual rent growth, 2.5% expense growth, 3.0% appreciation, and a 6.0% selling cost at exit — all placeholder assumptions, not market-derived.
All figures are estimates for evaluation purposes only, not investment, tax, legal, or insurance advice. Property tax is estimated from a real matched tax bill or millage rate when available, a placeholder % of price otherwise; insurance is scaled by flood and wind risk where those are known and a flat percentage otherwise — never a real quote. Verify all of them, along with association restrictions and permit status, before committing capital. Rent estimates come from real comps or Zillow’s ZIP index, not appraisals.