| Acquisition (one-time, not monthly/yearly) | |
| Purchase price | $548,000 |
| Down payment (20.0%) | $109,600 |
| Loan amount | $438,400 |
| Closing costs (5.0%) | $27,400 |
| Total cash to close | $137,000 |
| Income | |
| Rent (comp-derived) | $3,200$38,400 |
| Vacancy loss (8.0%) | |
| Effective gross income | $2,944$35,328 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $868$10,412 |
| Insurance (placeholder 0.8% of price) | $365$4,384 |
| HOA dues | $114$1,368 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $160$1,920 |
| Total operating expenses | $1,507$18,084 |
| Net operating income (NOI) | |
| Debt service & reserves | |
| Debt service (6.66%, avg 30yr rate as of 2026-08-27, 30yr amortizing) | |
| CapEx reserve (5.0% of GSR) | $160$1,920 |
| Mortgage insurance (PMI) (0.0% of loan, not required — down payment ≥ 20%) | $0$0 |
| Cash flow |
Same ZIP. Real active rental listings, used to derive the rent estimate above.
| Address | Type | Beds | Baths | Sqft | Asking rent | Listed | Days on market |
|---|---|---|---|---|---|---|---|
| townhomes | 3 | 3 | 1,848 | $3,200 | 2026-08-12 | — | |
| townhomes | 3 | 3 | 1,644 | $3,250 | 2026-07-16 | — | |
| townhomes | 3 | 3 | 1,571 | $2,750 | 2026-07-11 | — | |
| townhomes | 3 | 2 | 1,708 | $3,300 | 2026-06-23 | — | |
| townhomes | 3 | 3 | 1,848 | $3,200 | 2026-06-10 | — | |
| townhomes | 3 | 3 | 1,770 | $3,200 | 2026-05-11 | — | |
| townhomes | 3 | 2 | 1,244 | $2,900 | 2026-08-04 | — | |
| townhomes | 3 | 2 | 1,200 | $3,600 | 2026-08-03 | — | |
| townhomes | 3 | 3 | 2,027 | $3,300 | 2026-07-31 | — | |
| townhomes | 3 | 3 | 1,770 | $3,200 | 2026-03-01 | — |
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.
| Address | Type | Beds | Baths | Living sqft | Sale price | Sale date |
|---|---|---|---|---|---|---|
| 7426 SW 162nd Ct | townhomes | 3 | 3 | 1,644 | $545,000 | 2026-08-21 |
| 7240 SW 162nd Ct | townhomes | 3 | 3 | 1,667 | $555,000 | 2026-08-21 |
| 6323 SW 147th Place Cir | townhomes | 3 | 2 | 1,059 | $410,000 | 2026-08-14 |
| 8618 SW 148th Pl | townhomes | 3 | 2 | 1,283 | $425,000 | 2026-07-31 |
| 7345 SW 148th Ct | townhomes | 3 | 2 | 1,699 | $535,000 | 2026-07-29 |
| 16236 SW 75th St | townhomes | 3 | 2 | 1,667 | $550,000 | 2026-07-24 |
| 5873026429 | townhomes | 3 | 3 | 1,820 | $515,000 | 2026-06-15 |
| 7378 SW 162nd Pl | townhomes | 3 | 3 | 1,644 | $545,000 | 2026-06-12 |
| 15585 SW 76th Ln Unit A81-8 | townhomes | 3 | 2 | 1,240 | $390,000 | 2026-06-11 |
| 7925 SW 153rd Ct | townhomes | 3 | 2 | 1,177 | $450,000 | 2026-06-11 |
| 8614 SW 147th Pl | townhomes | 3 | 2 | 1,283 | $445,000 | 2026-06-09 |
| 7413 SW 162nd Path | townhomes | 3 | 3 | 1,644 | $495,000 | 2026-05-29 |
| 8749 SW 154th Circle Pl Unit 4G | townhomes | 3 | 3 | 2,282 | $380,000 | 2026-05-15 |
| 8500 SW 150th Ave | townhomes | 3 | 2 | 1,230 | $345,000 | 2026-05-06 |
| 16603 SW 79th Ter | townhomes | 3 | 3 | 1,770 | $495,000 | 2026-04-30 |
| 16415 SW 73rd Ter | townhomes | 3 | 2 | 1,667 | $522,000 | 2026-03-20 |
| 16514 SW 68th Ter | townhomes | 3 | 2 | 1,580 | $530,000 | 2026-03-12 |
| 7161 SW 163rd Pl | townhomes | 3 | 2 | 1,666 | $498,000 | 2026-03-05 |
| 16394 SW 75th St | townhomes | 3 | 3 | 1,667 | $520,000 | 2026-02-24 |
| 7486 SW 162nd Ct | townhomes | 3 | 3 | 1,644 | $510,000 | 2026-02-18 |
| 16256 SW 57th Ln | townhomes | 3 | 2 | 2,027 | $549,000 | 2026-02-18 |
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.
| Address | Type | Beds | Baths | Sqft | Asking price | Days on market |
|---|---|---|---|---|---|---|
| 6651 SW 148th Ct | single_family | 3 | 2 | 1,892 | $855,000 | — |
| 7054 SW 152nd Ct | townhomes | 3 | 2 | 1,116 | $490,000 | — |
| 15840 SW 85th St | single_family | 3 | 2 | 1,631 | $650,000 | — |
| 14755 SW 74th Ln | townhomes | 3 | 3 | 2,187 | $533,000 | — |
| 14963 SW 74th Ter | single_family | 3 | 2 | 1,322 | $529,000 | — |
| 16628 SW 79th Ter | townhomes | 3 | 3 | 1,776 | $525,000 | — |
| 15171 SW 70th St | single_family | 3 | 2 | 2,074 | $850,000 | — |
| 16232 SW 57th Ln | condos | 3 | 3 | 2,027 | $564,000 | — |
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $564,440 | $17,244 | -$18,483 | $433,647 | $130,793 |
| 2 | $581,373 | $17,852 | -$17,924 | $428,567 | $152,806 |
| 3 | $598,814 | $18,480 | -$17,345 | $423,139 | $175,676 |
| 4 | $616,779 | $19,129 | -$16,746 | $417,337 | $199,442 |
| 5 | $635,282 | $19,801 | -$16,126 | $411,138 | $224,145 |
| 6 | $654,341 | $20,494 | -$15,485 | $404,512 | $249,829 |
| 7 | $673,971 | $21,212 | -$14,822 | $397,432 | $276,539 |
| 8 | $694,190 | $21,953 | -$14,137 | $389,865 | $304,325 |
| 9 | $715,016 | $22,719 | -$13,428 | $381,779 | $333,237 |
| 10 | $736,466 | $23,511 | -$12,695 | $373,137 | $363,329 |