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
$410,000
Down payment (20.0%)
$82,000
Loan amount
$328,000
Closing costs (5.0%)
$20,500
Total cash to close
$102,500
Income
Rent (comp-derived)
$4,026$48,312
Vacancy loss (8.0%)
Effective gross income
$3,704$44,447
Operating expenses
Property tax (placeholder 1.9% of price)
$649$7,790
Insurance (placeholder 0.8% of price)
$273$3,280
HOA dues
$1,146$13,752
Management (0.0% of EGI)
$0$0
Maintenance (5.0% of GSR)
$201$2,416
Total operating expenses
$2,270$27,238
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)
$201$2,416
Mortgage insurance (PMI) (0.0% of loan, not required — down payment ≥ 20%)
$0$0
Cash flow
Cap rate
Cash-on-cash
DSCR
Rent-to-price (1% rule)
Gross rent multiplier
Operating expense ratio
Break-even occupancy
Comparables
Same ZIP. Real active rental listings, used to derive the rent estimate above.
Address
Type
Beds
Baths
Sqft
Asking rent
Listed
Days on market
apartment
2
1
679
$2,100
2026-08-21
—
condos
2
3
1,113
$3,800
2026-08-21
—
condos
2
2
1,114
$4,499
2026-08-21
—
condos
2
1
660
$2,250
2026-08-20
—
condos
2
2
1,224
$4,700
2026-08-20
—
condos
2
2
1,087
$3,850
2026-08-20
—
condos
2
2
1,108
$4,000
2026-08-20
—
condos
2
2
1,076
$4,500
2026-08-20
—
condos
2
2
1,121
$4,400
2026-08-20
—
apartment
2
1
900
$1,952
2025-12-02
—
condos
2
2
1,337
$5,500
2026-08-19
—
condos
2
3
1,290
$3,800
2026-08-19
—
apartment
2
1
795
$1,900
2026-08-19
—
condos
2
3
1,037
$4,000
2026-08-19
—
condos
2
2
1,192
$4,200
2026-08-18
—
condos
2
1
830
$2,400
2026-08-18
—
condos
2
2
1,119
$6,295
2026-08-17
—
condos
2
2
933
$3,595
2026-08-17
—
condos
2
2
891
$2,700
2026-08-17
—
condos
2
2
1,064
$4,000
2026-08-17
—
condos
2
2
910
$3,900
2026-08-17
—
condos
2
2
1,264
$7,500
2026-08-17
—
apartment
2
2
861
$2,149
2026-08-17
—
condos
2
2
1,274
$4,350
2026-08-31
—
condos
2
2
1,023
$3,600
2026-08-16
—
condos
2
3
1,290
$4,200
2026-08-15
—
condos
2
3
1,290
$4,100
2026-08-15
—
condos
2
2
926
$6,000
2026-08-15
—
condos
2
2
1,118
$4,300
2026-08-14
—
condos
2
2
921
$4,050
2026-08-14
—
apartment
2
2
900
$2,200
2026-08-14
—
condos
2
2
1,079
$3,950
2026-08-13
—
apartment
2
1
781
$2,250
2026-08-13
—
condos
2
2
1,088
$5,400
2026-08-13
—
condos
2
1
789
$2,250
2026-08-28
—
condos
2
2
1,155
$5,600
2026-08-12
—
condos
2
2
764
$3,000
2026-08-12
—
condos
2
2
1,129
$4,000
2026-08-11
—
condos
2
2
910
$4,000
2026-08-11
—
condos
2
2
1,093
$3,800
2026-08-11
—
condos
2
2
920
$3,400
2026-08-11
—
condos
2
2
940
$3,700
2026-08-10
—
condos
2
3
1,037
$4,100
2026-08-10
—
condos
2
1
800
$2,200
2026-08-10
—
condos
2
2
680
$2,199
2026-08-10
—
condos
2
2
910
$3,900
2026-08-09
—
condos
2
2
1,012
$3,830
2026-08-09
—
condos
2
2
1,174
$4,500
2026-08-08
—
apartment
2
1
801
$2,250
2026-08-08
—
apartment
2
1
679
$2,100
2026-08-08
—
apartment
2
1
775
$2,200
2026-08-07
—
condos
2
2
1,155
$4,900
2026-08-07
—
condos
2
3
1,119
$5,800
2026-08-07
—
condos
2
2
1,195
$4,900
2026-08-07
—
condos
2
2
1,320
$5,500
2026-08-07
—
condos
2
3
1,119
$5,500
2026-08-07
—
condos
2
2
1,108
$4,100
2026-08-06
—
apartment
2
1
1,260
$2,500
2026-08-05
—
condos
2
2
1,172
$4,100
2026-08-05
—
condos
2
2
920
$3,450
2026-08-05
—
condos
2
2
1,048
$5,750
2026-08-05
—
apartment
2
3
1,148
$3,950
2026-08-05
—
condos
2
2
1,099
$3,950
2026-08-05
—
condos
2
2
891
$2,975
2026-07-27
—
condos
2
2
1,048
$5,100
2026-07-27
—
condos
2
2
1,104
$3,950
2026-07-24
—
condos
2
2
1,042
$6,100
2026-07-24
—
condos
2
2
1,322
$4,250
2026-07-23
—
condos
2
3
1,281
$5,900
2026-07-23
—
condos
2
2
1,165
$4,800
2026-07-23
—
condos
2
2
1,121
$3,950
2026-07-23
—
condos
2
3
1,119
$6,350
2026-07-23
—
condos
2
2
1,167
$3,750
2026-07-23
—
apartment
2
1
800
$1,800
2026-07-23
—
condos
2
2
1,046
$3,000
2026-07-22
—
condos
2
2
1,107
$4,400
2026-07-22
—
condos
2
2
1,099
$4,000
2026-07-22
—
condos
2
2
1,165
$4,500
2026-07-22
—
condos
2
2
1,099
$3,300
2026-07-21
—
condos
2
2
962
$2,300
2026-07-21
—
condos
2
2
1,174
$4,250
2026-07-21
—
condos
2
3
1,179
$3,700
2026-07-20
—
condos
2
2
667
$2,400
2026-07-17
—
condos
2
2
1,121
$6,600
2026-07-17
—
condos
2
2
1,024
$3,950
2026-07-16
—
condos
2
2
1,118
$4,100
2026-07-16
—
condos
2
2
1,152
$5,650
2026-07-16
—
condos
2
3
1,274
$4,500
2026-07-15
—
condos
2
2
1,114
$3,900
2026-07-15
—
condos
2
2
1,108
$4,500
2026-07-14
—
condos
2
2
1,195
$4,100
2026-07-14
—
condos
2
2
1,129
$3,900
2026-07-13
—
apartment
2
1
755
$2,000
2026-07-11
—
condos
2
2
1,174
$4,000
2026-07-10
—
condos
2
3
1,290
$3,550
2026-07-09
—
condos
2
2
1,024
$4,300
2026-07-09
—
condos
2
2
1,228
$4,300
2026-07-08
—
apartment
2
1
650
$1,970
2026-07-08
—
condos
2
3
1,270
$6,400
2026-07-07
—
apartment
2
1
800
$2,100
2026-07-07
—
condos
2
1
707
$2,200
2026-07-06
—
apartment
2
2
1,114
$3,850
—
—
condos
2
2
1,075
$3,700
2026-07-03
—
condos
2
2
1,107
$4,300
2026-07-02
—
condos
2
2
1,053
$5,200
2026-07-02
—
apartment
2
1
780
$2,100
2026-07-02
—
condos
2
2
1,280
$5,200
2026-07-01
—
condos
2
2
1,108
$4,100
2026-07-01
—
condos
2
2
1,097
$4,500
2026-06-30
—
condos
2
3
1,264
$6,990
2026-06-30
—
condos
2
2
1,075
$3,700
2026-06-30
—
apartment
2
2
868
$4,200
2026-06-29
—
condos
2
2
667
$2,500
2026-06-27
—
condos
2
3
1,116
$4,100
2026-06-25
—
condos
2
2
910
$4,300
2026-06-25
—
condos
2
2
1,099
$4,000
2026-06-24
—
condos
2
2
1,026
$4,750
2026-06-24
—
condos
2
3
1,124
$4,100
2026-06-24
—
condos
2
2
920
$3,800
2026-06-23
—
condos
2
2
1,129
$3,900
2026-06-22
—
condos
2
2
1,114
$4,000
2026-06-22
—
condos
2
2
1,118
$4,100
2026-06-18
—
condos
2
2
1,165
$4,000
2026-06-17
—
condos
2
2
1,129
$4,000
2026-06-17
—
condos
2
2
1,195
$4,900
2026-06-17
—
apartment
2
1
665
$2,490
2026-06-17
—
condos
2
2
921
$3,850
2026-06-17
—
condos
2
2
851
$4,350
2026-06-17
—
condos
2
3
1,121
$6,000
2026-06-17
—
condos
2
2
1,152
$5,900
2026-06-17
—
condos
2
2
1,024
$4,050
2026-06-12
—
condos
2
2
1,245
$5,000
2026-06-11
—
condos
2
2
1,195
$4,980
2026-06-11
—
condos
2
3
1,274
$4,400
2026-06-10
—
apartment
2
1
882
$2,650
2026-06-10
—
condos
2
2
1,087
$4,100
2026-06-09
—
condos
2
2
1,053
$5,400
2026-06-08
—
condos
2
2
1,210
$3,650
2026-06-08
—
apartment
2
1
700
$2,000
2026-09-01
—
condos
2
2
1,076
$3,950
2026-06-07
—
condos
2
2
1,076
$3,850
2026-06-07
—
condos
2
2
949
$2,300
2026-06-05
—
condos
2
2
1,024
$4,500
2026-06-04
—
condos
2
2
1,052
$5,550
2026-06-04
—
condos
2
3
1,119
$5,800
2026-06-03
—
condos
2
2
1,255
$4,200
2026-06-02
—
condos
2
1
760
$2,400
2026-06-02
—
condos
2
2
926
$5,200
2026-06-01
—
condos
2
3
1,037
$3,850
2026-06-01
—
apartment
2
1
750
$2,000
2026-05-28
—
apartment
2
1
750
$2,200
2026-05-28
—
apartment
2
1
750
$2,000
2026-05-28
—
condos
2
3
1,270
$5,300
2026-05-27
—
condos
2
2
1,013
$3,590
2026-05-27
—
condos
2
2
1,079
$3,900
2026-05-26
—
condos
2
3
1,179
$3,850
2026-05-26
—
condos
2
2
1,255
$4,500
2026-05-24
—
condos
2
2
1,279
$6,500
2026-05-21
—
condos
2
2
1,026
$4,800
2026-05-21
—
condos
2
2
1,042
$5,495
2026-05-21
—
condos
2
2
1,264
$7,000
2026-05-18
—
condos
2
2
1,079
$3,999
2026-05-14
—
apartment
2
2
910
$2,500
2026-05-12
—
apartment
2
2
1,334
$7,857
2026-05-08
—
condos
2
2
920
$3,500
2026-05-07
—
condos
2
2
1,270
$6,850
2026-05-05
—
condos
2
2
1,106
$3,900
2026-05-04
—
condos
2
2
1,297
$5,400
2026-05-04
—
condos
2
2
1,064
$4,200
2026-05-01
—
apartment
2
1
750
$2,250
2026-04-28
—
condos
2
2
889
$2,675
2026-04-28
—
apartment
2
2
1,079
$3,800
2026-08-04
—
condos
2
2
1,075
$3,600
2026-08-04
—
condos
2
2
910
$3,950
2026-08-04
—
apartment
2
3
1,240
$4,350
2026-08-04
—
condos
2
3
1,281
$8,000
2026-08-04
—
condos
2
2
921
$3,900
2026-08-03
—
condos
2
2
1,228
$4,500
2026-08-03
—
condos
2
2
1,172
$4,100
2026-08-03
—
condos
2
2
1,281
$6,200
2026-08-03
—
condos
2
2
1,172
$3,700
2026-08-02
—
condos
2
2
921
$4,600
2026-08-02
—
apartment
2
1
1,150
$1,970
2026-08-02
—
condos
2
2
1,107
$4,900
2026-08-01
—
condos
2
2
1,108
$4,200
2026-08-01
—
condos
2
2
1,129
$4,100
2026-08-01
—
condos
2
1
707
$2,200
2026-08-30
—
condos
2
2
1,129
$4,400
2026-07-31
—
condos
2
2
795
$3,000
2026-07-31
—
apartment
2
1
800
$1,850
2026-07-31
—
apartment
2
1
800
$1,900
2026-07-31
—
apartment
2
1
800
$1,900
2026-07-31
—
condos
2
3
1,148
$5,375
2026-07-31
—
condos
2
2
1,026
$5,400
2026-07-29
—
condos
2
2
1,099
$4,200
2026-07-29
—
condos
2
2
1,013
$3,600
2026-07-29
—
condos
2
2
809
$4,300
2026-07-29
—
condos
2
2
1,253
$6,500
2026-07-28
—
condos
2
2
1,013
$3,600
2026-07-28
—
condos
2
2
1,013
$3,800
2026-07-28
—
condos
2
2
1,152
$5,850
2026-07-28
—
condos
2
2
920
$3,450
2026-07-27
—
condos
2
3
1,151
$4,000
2026-01-31
—
condos
2
2
1,096
$4,000
2026-01-13
—
condos
2
2
1,152
$8,000
2026-06-11
—
condos
2
2
1,118
$4,600
2026-01-13
—
condos
2
2
1,053
$5,300
2026-08-24
—
condos
2
3
1,212
$4,000
2026-08-24
—
condos
2
3
1,270
$5,000
2026-04-13
—
condos
2
2
1,030
$4,200
2026-08-22
—
condos
2
2
1,013
$3,900
2026-03-20
—
condos
2
2
1,069
$2,450
2026-04-16
—
apartment
2
2
893
$2,650
2026-03-12
—
apartment
2
1
750
$3,400
2026-01-20
—
condos
2
3
1,238
$6,200
2026-04-24
—
condos
2
2
1,012
$3,900
2026-01-31
—
condos
2
2
1,106
$4,150
2026-04-03
—
condos
2
2
1,012
$4,200
2026-02-13
—
condos
2
2
1,152
$6,800
2026-01-07
—
condos
2
2
1,012
$4,250
2026-04-16
—
condos
2
2
1,225
$5,700
2025-09-09
—
condos
2
2
1,075
$4,100
2026-02-17
—
condos
2
2
930
$3,600
2026-03-02
—
condos
2
2
868
$4,600
2026-03-22
—
condos
2
2
1,274
$5,300
2026-03-31
—
condos
2
2
1,079
$3,875
2026-04-16
—
condos
2
2
1,270
$9,000
2026-04-13
—
condos
2
2
1,064
$4,500
2026-01-14
—
condos
2
2
920
$4,000
2026-04-22
—
condos
2
3
1,202
$6,700
2026-02-17
—
condos
2
2
1,279
$6,200
2026-02-10
—
condos
2
3
1,121
$6,500
2026-08-26
—
condos
2
2
1,253
$6,700
2026-02-20
—
apartment
2
1
800
$1,850
2025-10-16
—
apartment
2
2
993
$4,431
—
—
apartment
2
2
1,007
$3,734
—
—
apartment
2
2
1,007
$3,759
—
—
apartment
2
2
1,118
$3,964
—
—
apartment
2
2
1,238
$4,090
—
—
apartment
2
2
1,111
$4,364
—
—
apartment
2
2
1,118
$3,989
—
—
apartment
2
2
989
$3,192
—
—
condos
2
2
1,224
$4,999
—
—
condos
2
2
1,270
$6,850
—
—
apartment
2
2
993
$4,201
—
—
apartment
2
2
1,050
$3,600
—
—
apartment
2
2
993
$3,971
—
—
apartment
2
2
1,123
$4,079
—
—
condos
2
2
1,102
$3,600
—
—
apartment
2
2
982
$4,026
—
—
apartment
2
2
1,031
$3,790
—
—
apartment
2
2
998
$3,455
—
—
apartment
2
2
998
$3,325
—
—
condos
2
3
1,290
$4,200
—
—
condos
2
2
1,108
$4,200
—
—
apartment
2
2
989
$3,162
—
—
apartment
2
2
1,095
$3,494
—
—
condos
2
2
1,107
$4,300
—
—
condos
2
2
1,079
$3,950
—
—
condos
2
3
1,148
$3,950
—
—
apartment
2
2
989
$3,297
—
—
condos
2
3
1,290
$4,100
—
—
apartment
2
1
1,100
$1,995
2026-08-02
—
apartment
2
2
1,039
$3,475
—
—
apartment
2
2
1,102
$3,436
—
—
apartment
2
1
704
$2,015
2026-08-28
—
condos
2
3
1,235
$4,600
2026-08-27
—
condos
2
2
1,110
$4,300
2026-08-28
—
condos
2
2
994
$2,700
2026-08-25
—
condos
2
2
1,087
$4,000
2026-08-25
—
condos
2
2
1,152
$5,700
2026-08-26
—
condos
2
2
1,195
$4,600
2026-08-25
—
condos
2
2
1,097
$4,400
2026-08-31
—
apartment
2
2
966
$5,329
—
—
apartment
2
2
792
$3,562
—
—
apartment
2
2
821
$3,650
—
—
condos
2
2
1,118
$3,395
—
—
apartment
2
2
907
$2,550
—
—
apartment
2
2
989
$3,543
—
—
condos
2
2
1,195
$4,800
—
—
apartment
2
2
1,334
$6,707
—
—
condos
2
2
1,079
$3,750
—
—
apartment
2
2
998
$3,320
—
—
apartment
2
2
1,039
$3,330
—
—
apartment
2
2
989
$3,240
—
—
apartment
2
2
989
$3,471
—
—
apartment
2
2
1,006
$3,470
—
—
apartment
2
2
1,031
$3,495
—
—
apartment
2
2
1,155
$3,470
—
—
apartment
2
2
1,070
$3,629
—
—
condos
2
2
1,165
$4,300
—
—
condos
2
2
1,274
$4,300
—
—
condos
2
2
1,104
$4,100
—
—
condos
2
2
1,030
$4,000
—
—
apartment
2
2
1,006
$3,625
—
—
apartment
2
2
1,021
$3,570
—
—
apartment
2
2
1,031
$3,610
—
—
apartment
2
2
1,031
$3,630
—
—
apartment
2
2
1,000
$3,839
—
—
condos
2
2
1,274
$5,300
—
—
condos
2
2
921
$4,600
—
—
condos
2
2
1,120
$4,500
—
—
apartment
2
2
1,031
$3,860
—
—
apartment
2
2
1,008
$7,450
—
—
apartment
2
2
1,100
$3,919
—
—
apartment
2
2
993
$3,936
—
—
apartment
2
2
1,103
$3,959
—
—
apartment
2
2
982
$4,024
—
—
apartment
2
2
1,334
$9,500
—
—
condos
2
2
1,155
$6,750
—
—
apartment
2
2
1,090
$4,119
—
—
apartment
2
2
1,255
$4,289
—
—
apartment
2
2
993
$4,191
—
—
apartment
2
2
993
$4,101
—
—
apartment
2
2
1,156
$4,079
—
—
apartment
2
2
993
$4,396
—
—
apartment
2
2
993
$4,493
—
—
apartment
2
2
993
$4,488
—
—
apartment
2
2
1,334
$8,800
—
—
apartment
2
2
1,334
$7,952
—
—
apartment
2
2
1,334
$6,792
—
—
apartment
2
2
1,008
$6,150
—
—
apartment
2
2
1,334
$8,102
—
—
apartment
2
2
1,336
$8,700
—
—
apartment
2
2
1,336
$8,600
—
—
apartment
2
2
1,334
$8,006
—
—
apartment
2
2
1,336
$8,800
—
—
apartment
2
2
1,336
$7,585
—
—
apartment
2
2
1,334
$6,697
—
—
condos
2
2
1,089
$4,056
2025-06-26
—
apartment
2
2
1,089
$3,700
2026-02-19
—
apartment
2
2
842
—
2025-01-03
—
condos
2
2
1,121
$4,300
2026-08-27
—
apartment
2
1
842
$2,300
—
—
condos
2
2
1,000
$2,875
2026-08-28
—
condos
2
3
999
$5,800
2026-08-30
—
condos
2
2
933
$3,950
2026-08-30
—
condos
2
2
1,053
$5,400
—
—
apartment
2
1
679
$2,075
2024-12-05
—
condos
2
2
1,259
$6,200
2026-08-31
—
condos
2
2
1,110
$4,100
2026-08-13
—
condos
2
2
1,110
$4,100
—
—
condos
2
3
1,119
$5,400
—
—
apartment
2
1
730
$2,400
2026-09-02
—
condos
2
2
1,009
$3,400
2026-09-02
—
condos
2
2
1,149
$3,950
2026-09-01
—
condos
2
2
1,165
$4,500
2026-09-01
—
condos
2
2
935
$3,400
2026-09-01
—
condos
2
3
1,300
$4,200
2026-09-01
—
condos
2
2
1,079
$3,900
2026-09-01
—
apartment
2
2
900
$2,500
2026-09-01
—
condos
2
2
1,088
$5,375
2026-09-01
—
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.
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.
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.