| Acquisition (one-time, not monthly/yearly) | |
| Purchase price | $615,000 |
| Down payment (20.0%) | $123,000 |
| Loan amount | $492,000 |
| Closing costs (5.0%) | $30,750 |
| Total cash to close | $153,750 |
| Income | |
| Rent (comp-derived) | $3,685$44,220 |
| Vacancy loss (8.0%) | |
| Effective gross income | $3,390$40,682 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $974$11,685 |
| Insurance (placeholder 0.8% of price) | $410$4,920 |
| HOA dues | $173$2,076 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $184$2,211 |
| Total operating expenses | $1,741$20,892 |
| 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) | $184$2,211 |
| 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 |
|---|---|---|---|---|---|---|---|
| single_family | 3 | 2 | 1,736 | $4,800 | 2026-08-20 | — | |
| single_family | 3 | 2 | 1,485 | $3,800 | 2026-08-15 | — | |
| single_family | 3 | 2 | 1,622 | $3,450 | 2026-08-12 | — | |
| single_family | 3 | 2 | 1,591 | $3,800 | 2026-07-22 | — | |
| single_family | 3 | 3 | 1,570 | $3,900 | 2026-07-17 | — | |
| single_family | 3 | 3 | 1,464 | $3,199 | — | — | |
| single_family | 3 | 2 | 1,525 | $3,500 | 2026-06-16 | — | |
| single_family | 3 | 3 | 1,815 | $3,800 | 2026-05-16 | — | |
| single_family | 3 | 2 | 1,619 | $2,995 | — | — | |
| single_family | 3 | 2 | 1,706 | $3,570 | — | — | |
| single_family | 3 | 3 | 1,946 | $3,160 | — | — | |
| single_family | 3 | 2 | 1,758 | $3,515 | — | — | |
| single_family | 3 | 2 | 1,582 | $3,800 | 2026-08-22 | — | |
| single_family | 3 | 2 | 1,485 | $3,800 | — | — | |
| single_family | 3 | 2 | 1,485 | $3,800 | — | — | |
| single_family | 3 | 2 | 1,525 | $3,500 | — | — |
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 |
|---|---|---|---|---|---|---|
| 5502 SW 162nd Pl | single_family | 3 | 3 | 2,467 | $700,000 | 2026-08-24 |
| 4260 SW 150th Ave | single_family | 3 | 2 | 1,476 | $595,000 | 2026-08-24 |
| 3461 SW 154th Ct | single_family | 3 | 2 | 1,511 | $625,000 | 2026-08-18 |
| 14863 SW 35th Ln | single_family | 3 | 2 | 1,594 | $720,000 | 2026-08-18 |
| 15552 SW 54th Ter | single_family | 3 | 2 | 2,411 | $525,000 | 2026-08-10 |
| 4449 SW 164th Path | single_family | 3 | 2 | 1,490 | $695,000 | 2026-08-03 |
| 16426 SW 48th Ter | single_family | 3 | 3 | 1,753 | $555,000 | 2026-07-31 |
| 4260 SW 153rd Pl | single_family | 3 | 2 | 1,443 | $750,000 | 2026-07-23 |
| 15552 SW 48th St | single_family | 3 | 2 | 2,411 | $675,000 | 2026-07-16 |
| 4402 SW 162nd Pl | single_family | 3 | 2 | 2,054 | $650,000 | 2026-07-06 |
| 4687 SW 153rd Ct | single_family | 3 | 2 | 1,829 | $650,000 | 2026-06-25 |
| 15045 SW 38th Ter | single_family | 3 | 2 | 2,612 | $1,175,100 | 2026-06-17 |
| 4520 SW 154th Ct | single_family | 3 | 2 | 2,231 | $697,500 | 2026-06-11 |
| 14961 SW 30th Ter | single_family | 3 | 2 | 1,546 | $742,500 | 2026-06-02 |
| 15449 SW 35th Ter | single_family | 3 | 2 | 1,632 | $638,000 | 2026-05-26 |
| 4500 SW 154th Pl | single_family | 3 | 2 | 2,133 | $615,000 | 2026-05-15 |
| 4231 SW 165th Ct | single_family | 3 | 3 | 1,938 | $577,000 | 2026-05-13 |
| 4917 SW 154th Ave | single_family | 3 | 2 | 1,392 | $650,500 | 2026-05-13 |
| 15244 SW 29th Ter | single_family | 3 | 3 | 2,997 | $860,000 | 2026-05-01 |
| 15474 SW 32nd Ter | single_family | 3 | 2 | 1,511 | $565,000 | 2026-04-29 |
| 14833 SW 35th Ln | single_family | 3 | 2 | 1,532 | $700,000 | 2026-04-09 |
| 14970 SW 46th Ter | single_family | 3 | 2 | 2,283 | $699,000 | 2026-03-26 |
| 15320 SW 53rd St | single_family | 3 | 2 | 1,395 | $500,000 | 2026-03-25 |
| 15750 SW 45th St | single_family | 3 | 2 | 2,306 | $875,000 | 2026-03-24 |
| 3834 SW 149th Pl | single_family | 3 | 2 | 1,618 | $699,000 | 2026-03-18 |
| 4333 SW 148th Ct | single_family | 3 | 3 | 1,406 | $595,000 | 2026-03-13 |
| 15071 SW 44th Ter | single_family | 3 | 3 | 2,669 | $805,000 | 2026-03-06 |
| 14737 SW 52nd Ter | single_family | 3 | 2 | 2,041 | $600,000 | 2026-01-02 |
| 16507 SW 52nd St | single_family | 3 | 2 | 1,744 | $500,000 | 2025-12-29 |
| 16637 SW 52nd St | single_family | 3 | 2 | 1,878 | $705,000 | 2025-12-18 |
| 15430 SW 47th St | single_family | 3 | 3 | 1,985 | $760,000 | 2025-12-08 |
| 5235 SW 153rd Ave | single_family | 3 | 3 | 1,730 | $699,900 | 2025-11-04 |
| 5126 SW 165th Ave | single_family | 3 | 3 | 1,744 | $760,000 | 2025-10-03 |
| 5432 SW 150th Pl | single_family | 3 | 2 | 1,821 | $691,000 | 2025-09-29 |
| 5521 SW 158th Ct | single_family | 3 | 2 | 1,608 | $620,000 | 2025-09-22 |
| 4032 SW 154th Ct | single_family | 3 | 2 | 2,041 | $700,000 | 2025-09-18 |
| 3472 SW 156th Ct | single_family | 3 | 2 | 1,511 | $680,000 | 2025-09-15 |
| 14945 SW 38th St | single_family | 3 | 2 | 1,534 | $660,000 | 2025-09-04 |
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 |
|---|---|---|---|---|---|---|
| 4844 SW 152nd Ct Unit F37 | condos | 3 | 2 | 1,070 | $429,990 | — |
| 15416 SW 50th Ter | single_family | 3 | 2 | 1,392 | $595,000 | — |
| 4261 SW 164th Ct | townhomes | 3 | 3 | 1,488 | $575,000 | — |
| single_family | 3 | 3 | 2,382 | $997,500 | — | |
| 15462 SW 39th St | single_family | 3 | 3 | 2,229 | $779,900 | — |
| 15819 SW 54th Ter | single_family | 3 | 2 | 1,627 | $650,000 | — |
| 15355 SW 39th Ln | single_family | 3 | 3 | 1,570 | $749,900 | — |
| 5030 SW 149th Pl | single_family | 3 | 2 | 1,764 | $650,000 | — |
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $633,450 | $19,790 | -$20,361 | $486,666 | $146,784 |
| 2 | $652,454 | $20,489 | -$19,718 | $480,965 | $171,488 |
| 3 | $672,027 | $21,210 | -$19,053 | $474,873 | $197,154 |
| 4 | $692,188 | $21,956 | -$18,365 | $468,363 | $223,825 |
| 5 | $712,954 | $22,728 | -$17,654 | $461,405 | $251,549 |
| 6 | $734,342 | $23,525 | -$16,918 | $453,970 | $280,372 |
| 7 | $756,372 | $24,349 | -$16,156 | $446,024 | $310,349 |
| 8 | $779,064 | $25,200 | -$15,369 | $437,532 | $341,531 |
| 9 | $802,436 | $26,080 | -$14,554 | $428,458 | $373,978 |
| 10 | $826,509 | $26,990 | -$13,712 | $418,760 | $407,749 |