15543 SW 107th Ct

Miami, FL 33157 · single_family · For Sale · 37 days on market
Asking price$629,000
3 beds 2 baths 1,164 sqft
Suggested offer$466,717$162,283 above the est. market value of $466,717.
View on Realtor.com →
Listed by Yisell Carbajal · Realty One Group Evolution
Typesingle_family
Built1973
Price / sqft$540
Est. value (own analysis)$466,717
Rent estimate (own analysis)$3,300/mo
HOANone
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Neighborhood

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Statusfor_sale
Listed date2026-07-27
Removed date
MLSMiamiMLS #A12059535
Coordinates25.62449, -80.36622
Address15543 SW 107th Ct
CityMiami
StateFL
Zip33157
Listing ID5261667269
Sourceus-real-estate-listings, cached 2026-08-31

ZIP market snapshot (33157)

Typical home value (ZHVI)$630,585
Typical rent (ZORI)$2,736/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)

Purchase price$629,000
Down payment (20.0%)$125,800
Loan amount$503,200
Closing costs (5.0%)$31,450
Total cash to close$157,250
Rent (comp-derived)$3,300$39,600
Vacancy loss (8.0%)

Vacancy Loss

Gross Scheduled Rent × Vacancy Rate

Gross scheduled rent (annual) comp$39,600
Vacancy rate (assumption) assumption8.0%

$39,600 × 8.0% = $3,168

Effective gross income$3,036$36,432
Property tax (placeholder 1.9% of price)$996$11,951
Insurance (placeholder 0.8% of price)$419$5,032
HOA dues$0$0
Management (0.0% of EGI)$0$0
Maintenance (5.0% of GSR)$165$1,980
Total operating expenses$1,580$18,963
Net operating income (NOI)

Net Operating Income (NOI)

Effective Gross Income − Total Operating Expenses

Effective gross income derived$36,432
Total operating expenses derived$18,963

$36,432 − $18,963 = $17,469

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$503,200
Interest rate (avg 30yr rate) comp6.7%
Term (assumption) assumption30 years

$503,200 amortized at 6.7% over 30 years = $3,234/mo

CapEx reserve (5.0% of GSR)$165$1,980
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$17,469
Annual debt service derived$38,804
Annual CapEx reserve assumption$1,980
Annual PMI assumption$0

($17,469 − $38,804 − $1,980 − $0) ÷ 12 = -$1,943

Cap rate

Cap Rate

NOI ÷ Purchase Price

NOI derived$17,469
Purchase price data$629,000

$17,469 ÷ $629,000 = 2.8%

Cash-on-cash

Cash-on-Cash Return

Annual Cash Flow ÷ Total Cash Invested

Annual cash flow derived-$23,315
Total cash to close derived$157,250

-$23,315 ÷ $157,250 = -14.8%

DSCR

Debt Service Coverage Ratio (DSCR)

NOI ÷ Annual Debt Service

NOI derived$17,469
Annual debt service derived$38,804

$17,469 ÷ $38,804 = 0.45

Rent-to-price (1% rule)

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

(Gross Scheduled Rent ÷ 12) ÷ Purchase Price

Gross scheduled rent (annual) comp$39,600
Purchase price data$629,000

($39,600 ÷ 12) ÷ $629,000 = 0.5%

Gross rent multiplier

Gross Rent Multiplier (GRM)

Purchase Price ÷ Gross Scheduled Rent

Purchase price data$629,000
Gross scheduled rent (annual) comp$39,600

$629,000 ÷ $39,600 = 15.9

Operating expense ratio

Operating Expense Ratio

Total Operating Expenses ÷ Effective Gross Income

Total operating expenses derived$18,963
Effective gross income derived$36,432

$18,963 ÷ $36,432 = 52.1%

Break-even occupancy

Break-Even Occupancy

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

Total operating expenses derived$18,963
Annual debt service derived$38,804
Annual PMI assumption$0
Gross scheduled rent (annual) comp$39,600

($18,963 + $38,804 + $0) ÷ $39,600 = 145.9%

Comparables

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

AddressTypeBedsBathsSqftAsking rentListedDays on market
single_family32966$3,1002026-08-19
single_family321,308$2,800
single_family321,159$2,8002026-06-19
single_family321,560$3,5002026-05-11
single_family321,296$4,0002026-08-03
single_family31816$2,4002026-07-31
single_family321,252$3,0002026-07-30
single_family321,056$2,8002026-08-23
single_family321,200$3,200
single_family321,421$2,800
single_family321,428$3,900
single_family321,246$3,300
single_family321,435$4,500
single_family321,404$2,880
single_family321,563$3,145
single_family321,459$4,9502026-08-09
single_family321,078$3,3502026-08-13
single_family321,462$4,9002026-04-02
single_family331,234$4,0002026-08-06
single_family321,352$5,1002026-08-24
single_family321,541$3,5002026-08-24
single_family321,404$2,8852024-10-26
single_family321,342$4,2002026-08-29

10275 SW 152nd St

Miami, 33157 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage966
Listed2026-08-19
Days on market

Asking rent: $3,100

View on Zillow →

10949 SW 181 Te # 0

Miami, 33157 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,308
Listed
Days on market

Asking rent: $2,800

View on Zillow →

17740 SW 103rd Ave Unit 0

Miami, 33157 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,159
Listed2026-06-19
Days on market

Asking rent: $2,800

View on Zillow →

15640 SW 102nd Pl Unit 15640

Miami, 33157 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,560
Listed2026-05-11
Days on market

Asking rent: $3,500

View on Zillow →

10050 SW 171st St Unit 10050

Miami, 33157 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,296
Listed2026-08-03
Days on market

Asking rent: $4,000

View on Zillow →

10366 SW 172nd St

Miami, 33157 · rent comp

Bedrooms / bathrooms3 bd / 1 ba
Square footage816
Listed2026-07-31
Days on market

Asking rent: $2,400

View on Zillow →

17630 SW 112th Ave

Miami, 33157 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,252
Listed2026-07-30
Days on market

Asking rent: $3,000

View on Zillow →

11631 SW 182nd Ter Unit 0

Miami, 33157 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,056
Listed2026-08-23
Days on market

Asking rent: $2,800

View on Zillow →

11120 SW 154th St

Miami, 33157 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,200
Listed
Days on market

Asking rent: $3,200

View on Zillow →

10968 SW 182nd Ln

Miami, 33157 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,421
Listed
Days on market

Asking rent: $2,800

View on Zillow →

10805 SW 156th Ter # 1

Miami, 33157 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,428
Listed
Days on market

Asking rent: $3,900

View on Zillow →

10505 SW 172nd St

Miami, 33157 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,246
Listed
Days on market

Asking rent: $3,300

View on Zillow →

10971 SW 177th St

Miami, 33157 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,435
Listed
Days on market

Asking rent: $4,500

View on Zillow →

19101 SW 89th Ct

Cutler Bay, 33157 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,404
Listed
Days on market

Asking rent: $2,880

View on Zillow →

15755 SW 105th Ct

Miami, 33157 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,563
Listed
Days on market

Asking rent: $3,145

View on Zillow →

8620 SW 159th St

Palmetto Bay, 33157 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,459
Listed2026-08-09
Days on market

Asking rent: $4,950

View on Zillow →

18225 SW 94th Ave

Palmetto Bay, 33157 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,078
Listed2026-08-13
Days on market

Asking rent: $3,350

View on Zillow →

6767 SW 154th St

Palmetto Bay, 33157 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,462
Listed2026-04-02
Days on market

Asking rent: $4,900

View on Zillow →

19540 Christmas Rd

Cutler Bay, 33157 · rent comp

Bedrooms / bathrooms3 bd / 3 ba
Square footage1,234
Listed2026-08-06
Days on market

Asking rent: $4,000

View on Zillow →

17051 SW 85th Ave

Palmetto Bay, 33157 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,352
Listed2026-08-24
Days on market

Asking rent: $5,100

View on Zillow →

8830 SW 200th St

Cutler Bay, 33157 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,541
Listed2026-08-24
Days on market

Asking rent: $3,500

View on Zillow →

19101 Swct

Palmetto Bay, 33157 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,404
Listed2024-10-26
Days on market

Asking rent: $2,885

View on Zillow →

15821 SW 102nd Ct

Miami, 33157 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,342
Listed2026-08-29
Days on market

Asking rent: $4,200

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
19225 Bel Aire Drsingle_family321,435$709,0002026-08-31
8824 SW 197th Tersingle_family321,292$780,0002026-08-26
16931 SW 109th Avesingle_family321,604$610,0002026-08-24
16621 SW 102nd Avesingle_family321,655$535,0002026-08-21
8930 SW 197th Tersingle_family321,352$540,0002026-08-20
17710 SW 102nd Avesingle_family321,069$440,0002026-08-19
9200 SW 178th Stsingle_family321,281$805,0002026-08-19
9315 SW 170th Lnsingle_family321,892$650,0002026-08-17
8320 SW 162nd Stsingle_family321,796$965,0002026-08-14
16230 SW 109th Avesingle_family321,367$575,0002026-08-13
10365 SW 152nd Stsingle_family321,680$635,0002026-08-13
16700 SW 102nd Plsingle_family321,296$585,0002026-08-12
19247 SW 93rd Rdsingle_family321,391$505,0002026-08-12
19901 SW 92nd Avesingle_family321,555$665,0002026-08-11
19600 Gulfstream Rdsingle_family321,670$710,0002026-08-11
16501 SW 102nd Ctsingle_family321,536$530,0002026-08-11
15551 SW 101st Avesingle_family311,058$520,0002026-08-11
9971 SW 156th Tersingle_family321,472$562,0002026-08-07
10624 SW 181st Stsingle_family321,283$470,0002026-08-07
19311 Gulfstream Rdsingle_family321,396$445,0002026-08-07
15805 SW 99th Ctsingle_family321,525$585,0002026-08-07
18920 SW 92nd Ctsingle_family321,510$699,9902026-08-07
18543 SW 91st Avesingle_family321,510$675,0002026-08-05
9605 SW 187th Stsingle_family321,576$660,0002026-08-05
8883 SW 176th Stsingle_family321,963$790,0002026-08-05
17701 SW 92nd Avesingle_family321,782$680,0002026-08-05
9118 SW 161st Tersingle_family321,502$600,0002026-08-04
8480 SW 180th Stsingle_family321,629$890,0002026-08-04
16601 SW 78th Ctsingle_family323,368$2,200,0002026-08-04
10220 SW 164th Stsingle_family322,151$670,0002026-07-30
16123 SW 108th Ctsingle_family331,630$690,0002026-07-29
9000 Caribbean Blvdsingle_family321,538$610,0002026-07-28
9221 Sterling Drsingle_family321,164$375,0002026-07-24
9114 SW 163rd Tersingle_family321,858$700,0002026-07-24
16713 SW 107th Plsingle_family321,778$700,0002026-07-23
9051 SW 200th Stsingle_family321,656$695,0002026-07-22
19260 Holiday Rdsingle_family311,254$311,0002026-07-21
15821 SW 86th Avesingle_family321,436$885,0002026-07-20
9340 SW 178th Stsingle_family322,028$875,0002026-07-17
8535 SW 186th Stsingle_family321,764$830,0002026-07-16
10741 SW 165th Stsingle_family321,758$440,0002026-07-15
9000 SW 164th Stsingle_family322,073$795,0002026-07-15
16211 SW 102nd Ctsingle_family321,512$470,0002026-07-14
7868 SW 194th Stsingle_family321,479$650,0002026-07-13
9430 Easter Rdsingle_family321,902$620,0002026-07-13
9460 Palmetto Club Ln Esingle_family321,738$710,0002026-07-13
11311 SW 164th Tersingle_family331,898$610,0002026-07-10
8932 Ridgeland Drsingle_family321,320$485,0002026-07-09
5843 Paradise Point Drsingle_family343,104$3,300,0002026-07-08
15801 SW 102nd Ctsingle_family311,040$500,0002026-07-07

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
19500 SW 115th Avesingle_family311,056$609,900
10222 SW 181st Stsingle_family31864$450,000
11030 SW 153rd Stsingle_family311,078$510,000
16604 SW 104th Ctsingle_family322,061$650,000
townhomes331,421$450,000
11440 SW 185th Tersingle_family321,277$410,000
15435 SW 108th Ctsingle_family321,323$674,900
11243 SW 174th Tersingle_family321,650$830,000

10-year hold projection

IRR0.2%
Equity multiple1.03x
Total return (10yr)$86,208
YearProperty valueNOICash flowLoan balanceEquity
1$647,870$17,469-$23,315$497,744$150,126
2$667,306$18,088-$22,746$491,914$175,392
3$687,325$18,728-$22,157$485,683$201,642
4$707,945$19,389-$21,547$479,024$228,921
5$729,183$20,073-$20,917$471,908$257,275
6$751,059$20,780-$20,265$464,303$286,755
7$773,591$21,510-$19,590$456,177$317,414
8$796,798$22,266-$18,892$447,492$349,307
9$820,702$23,046-$18,170$438,210$382,492
10$845,323$23,853-$17,424$428,291$417,032
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.