9765 SW 143rd St

Miami, FL 33176 · single_family · Pending — under contract · 47 days on market
Asking price$1,100,000
4 beds 2 baths 1,971 sqft
Suggested offer$919,215$180,785 above the est. market value of $919,215.
View on Realtor.com →
Listed by Michael Elbilia · Coldwell Banker Realty
Typesingle_family
Built1970
Price / sqft$558
Est. value (own analysis)$919,215
Rent estimate (own analysis)$4,500/mo
HOANone
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Neighborhood

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Statusfor_sale
Listed date2026-07-17
Removed date
MLSMiamiMLS #A12054028
Coordinates25.63715, -80.35119
Address9765 SW 143rd St
CityMiami
StateFL
Zip33176
Listing ID5342298908
Sourceus-real-estate-listings, cached 2026-09-01

ZIP market snapshot (33176)

Typical home value (ZHVI)$630,508
Typical rent (ZORI)$2,301/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$1,100,000
Down payment (20.0%)$220,000
Loan amount$880,000
Closing costs (5.0%)$55,000
Total cash to close$275,000
Rent (comp-derived)$4,500$53,994
Vacancy loss (8.0%)

Vacancy Loss

Gross Scheduled Rent × Vacancy Rate

Gross scheduled rent (annual) comp$53,994
Vacancy rate (assumption) assumption8.0%

$53,994 × 8.0% = $4,320

Effective gross income$4,140$49,674
Property tax (placeholder 1.9% of price)$1,742$20,900
Insurance (placeholder 0.8% of price)$733$8,800
HOA dues$0$0
Management (0.0% of EGI)$0$0
Maintenance (5.0% of GSR)$225$2,700
Total operating expenses$2,700$32,400
Net operating income (NOI)

Net Operating Income (NOI)

Effective Gross Income − Total Operating Expenses

Effective gross income derived$49,674
Total operating expenses derived$32,400

$49,674 − $32,400 = $17,275

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$880,000
Interest rate (avg 30yr rate) comp6.7%
Term (assumption) assumption30 years

$880,000 amortized at 6.7% over 30 years = $5,655/mo

CapEx reserve (5.0% of GSR)$225$2,700
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$17,275
Annual debt service derived$67,861
Annual CapEx reserve assumption$2,700
Annual PMI assumption$0

($17,275 − $67,861 − $2,700 − $0) ÷ 12 = -$4,441

Cap rate

Cap Rate

NOI ÷ Purchase Price

NOI derived$17,275
Purchase price data$1,100,000

$17,275 ÷ $1,100,000 = 1.6%

Cash-on-cash

Cash-on-Cash Return

Annual Cash Flow ÷ Total Cash Invested

Annual cash flow derived-$53,286
Total cash to close derived$275,000

-$53,286 ÷ $275,000 = -19.4%

DSCR

Debt Service Coverage Ratio (DSCR)

NOI ÷ Annual Debt Service

NOI derived$17,275
Annual debt service derived$67,861

$17,275 ÷ $67,861 = 0.25

Rent-to-price (1% rule)

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

(Gross Scheduled Rent ÷ 12) ÷ Purchase Price

Gross scheduled rent (annual) comp$53,994
Purchase price data$1,100,000

($53,994 ÷ 12) ÷ $1,100,000 = 0.4%

Gross rent multiplier

Gross Rent Multiplier (GRM)

Purchase Price ÷ Gross Scheduled Rent

Purchase price data$1,100,000
Gross scheduled rent (annual) comp$53,994

$1,100,000 ÷ $53,994 = 20.4

Operating expense ratio

Operating Expense Ratio

Total Operating Expenses ÷ Effective Gross Income

Total operating expenses derived$32,400
Effective gross income derived$49,674

$32,400 ÷ $49,674 = 65.2%

Break-even occupancy

Break-Even Occupancy

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

Total operating expenses derived$32,400
Annual debt service derived$67,861
Annual PMI assumption$0
Gross scheduled rent (annual) comp$53,994

($32,400 + $67,861 + $0) ÷ $53,994 = 185.7%

Comparables

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

AddressTypeBedsBathsSqftAsking rentListedDays on market
single_family422,324$6,2502026-07-16
single_family431,989$3,5002026-07-06
single_family422,037$5,9002026-06-26
single_family421,377$3,2302026-06-26
single_family432,417$8,5002026-06-23
single_family421,955$10,0002026-05-22
single_family421,684$2,830
single_family432,408$4,000
single_family431,910$3,300
single_family432,408$4,9992026-08-26

10280 SW 141st St Unit 10280

Miami, 33176 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage2,324
Listed2026-07-16
Days on market

Asking rent: $6,250

View on Zillow →

11601 Pinkston Dr

Miami, 33176 · rent comp

Bedrooms / bathrooms4 bd / 3 ba
Square footage1,989
Listed2026-07-06
Days on market

Asking rent: $3,500

View on Zillow →

9760 SW 128th St

Miami, 33176 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage2,037
Listed2026-06-26
Days on market

Asking rent: $5,900

View on Zillow →

14721 SW 104th Ave

Miami, 33176 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage1,377
Listed2026-06-26
Days on market

Asking rent: $3,230

View on Zillow →

13461 SW 98th Pl Unit 13461

Miami, 33176 · rent comp

Bedrooms / bathrooms4 bd / 3 ba
Square footage2,417
Listed2026-06-23
Days on market

Asking rent: $8,500

View on Zillow →

9600 SW 147th St

Miami, 33176 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage1,955
Listed2026-05-22
Days on market

Asking rent: $10,000

View on Zillow →

14544 SW 105th Ct

Miami, 33176 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage1,684
Listed
Days on market

Asking rent: $2,830

View on Zillow →

8908 SW 108th Cir

Miami, 33176 · rent comp

Bedrooms / bathrooms4 bd / 3 ba
Square footage2,408
Listed
Days on market

Asking rent: $4,000

View on Zillow →

15130 Jackson St

Miami, 33176 · rent comp

Bedrooms / bathrooms4 bd / 3 ba
Square footage1,910
Listed
Days on market

Asking rent: $3,300

View on Zillow →

8909 SW 108th Circle Ct

Miami, 33176 · rent comp

Bedrooms / bathrooms4 bd / 3 ba
Square footage2,408
Listed2026-08-26
Days on market

Asking rent: $4,999

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
11430 SW 101 TERSINGLE FAMILY : 1 UNIT433,270$1,100,0002026-06-10
10204 SW 96 CTSINGLE FAMILY : 1 UNIT433,633$1,640,0002026-06-08
11905 SW 107 AVESINGLE FAMILY : 1 UNIT422,132$900,0002026-05-29
9511 SW 93 STSINGLE FAMILY : 1 UNIT422,455$1,625,0002026-05-26
10020 SW 102 AVENUE RDSINGLE FAMILY : 1 UNIT422,303$940,0002026-04-29
10364 SW 117 STSINGLE FAMILY : 1 UNIT421,972$975,0002026-04-24
9400 SW 100 AVENUE RDSINGLE FAMILY : 1 UNIT422,195$845,0002026-04-16
9940 SW 97 CTSINGLE FAMILY : 1 UNIT421,777$860,0002026-04-14
9066 SW 112 CTSINGLE FAMILY : CLUSTER HOME431,952$705,0002026-03-26
10485 SW 109 STSINGLE FAMILY : 1 UNIT422,406$975,0002026-03-16
10901 SW 116 AVESINGLE FAMILY : CLUSTER HOME432,112$905,0002026-02-25
9339 SW 98 PLSINGLE FAMILY : 1 UNIT422,058$1,055,0002026-02-23
10361 SW 119 STSINGLE FAMILY : 1 UNIT421,972$1,120,0002026-02-23
11624 SW 93 STSINGLE FAMILY : 1 UNIT422,090$1,075,0002026-02-17
9660 SW 105 AVESINGLE FAMILY : 1 UNIT421,785$861,0002026-02-12
11471 SW 105 TERSINGLE FAMILY : CLUSTER HOME432,114$940,0002026-02-12
9450 SW 98 STSINGLE FAMILY : 1 UNIT444,338$4,100,0002026-01-30
10440 SW 110 STSINGLE FAMILY : 1 UNIT422,042$945,0002026-01-12
11220 SW 99 CTSINGLE FAMILY : 1 UNIT421,973$1,050,0002025-12-30
10001 SW 99 AVESINGLE FAMILY : 1 UNIT421,982$794,3002025-12-23
8735 SW 118 STSINGLE FAMILY : 1 UNIT432,727$1,900,0002025-12-22
10733 SW 97 TERSINGLE FAMILY : 1 UNIT444,093$1,435,0002025-12-17
8741 SW 97 TERSINGLE FAMILY : 1 UNIT432,628$1,740,0002025-12-05
9020 SW 103 AVESINGLE FAMILY : 1 UNIT422,209$99,5002025-12-04
9701 SW 96 CTSINGLE FAMILY : 1 UNIT433,994$1,975,0002025-12-03
10860 SW 116 STSINGLE FAMILY : 1 UNIT443,582$1,190,0002025-12-01
11544 SW 98 PLSINGLE FAMILY : 1 UNIT422,632$1,250,0002025-12-01
11220 SW 95 STSINGLE FAMILY : 1 UNIT466,128$4,510,0002025-11-17
11614 SW 101 TERSINGLE FAMILY : 1 UNIT421,937$851,0002025-11-06
11605 SW 100 TERSINGLE FAMILY : 1 UNIT421,963$800,0002025-10-28
9881 SW 103 STSINGLE FAMILY : 1 UNIT433,561$1,300,0002025-10-27
10420 SW 115 STSINGLE FAMILY : 1 UNIT422,476$750,0002025-10-20
10404 SW 87 CTSINGLE FAMILY : 1 UNIT433,227$1,800,0002025-10-17
8803 SW 93 CTSINGLE FAMILY : 1 UNIT422,618$1,375,0002025-10-15
10420 SW 102 AVESINGLE FAMILY : 1 UNIT421,771$880,0002025-10-11
11570 SW 92 STSINGLE FAMILY : 1 UNIT422,001$805,0002025-10-09
10980 SW 116 STSINGLE FAMILY : 1 UNIT431,986$700,0002025-10-03
10480 SW 93 TERSINGLE FAMILY : 1 UNIT421,907$875,0002025-09-23
9720 SW 104 CTSINGLE FAMILY : 1 UNIT421,701$925,0002025-08-22
10321 SW 102 AVESINGLE FAMILY : 1 UNIT422,084$1,230,0002025-08-06
9710 SW 103 AVESINGLE FAMILY : 1 UNIT422,589$720,0002025-07-30
9990 SW 90 AVESINGLE FAMILY : 1 UNIT437,563$5,300,0002025-07-14
11625 SW 100 TERSINGLE FAMILY : 1 UNIT432,402$1,031,0002025-07-10
8901 SW 88 STSINGLE FAMILY : 1 UNIT422,214$825,0002025-07-09
9030 SW 92 CTSINGLE FAMILY : 1 UNIT433,005$1,525,0002025-06-30
9480 SW 99 STSINGLE FAMILY : 1 UNIT422,737$1,555,0002025-06-26
9425 SW 94 CTSINGLE FAMILY : 1 UNIT444,339$3,000,0002025-06-16
11905 SW 99 CTSINGLE FAMILY : 1 UNIT421,772$1,007,0002025-05-31
9641 SW 94 STSINGLE FAMILY : 1 UNIT422,447$1,150,0002025-05-29
10300 SW 102 STSINGLE FAMILY : 1 UNIT421,859$337,8002025-05-23

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
12425 SW 91st Avesingle_family432,081$1,249,000
11380 SW 131st Stsingle_family432,620$1,100,000
10435 SW 92nd Stsingle_family422,097$1,175,000
14800 Buchanan Stsingle_family421,255$449,000
10890 SW 95th Stsingle_family432,403$2,200,000
12300 SW 112th Avesingle_family432,220$1,375,000
9424 SW 123rd Tersingle_family443,452$1,750,000
13140 SW 112th Avesingle_family421,948$1,800,000

10-year hold projection

IRR-3.0%
Equity multiple0.50x
Total return (10yr)$6,925
YearProperty valueNOICash flowLoan balanceEquity
1$1,133,000$17,275-$53,286$870,459$262,541
2$1,166,990$17,955-$52,674$860,262$306,728
3$1,202,000$18,660-$52,038$849,366$352,634
4$1,238,060$19,390-$51,379$837,721$400,339
5$1,275,201$20,146-$50,696$825,276$449,925
6$1,313,458$20,929-$49,987$811,977$501,480
7$1,352,861$21,740-$49,252$797,765$555,096
8$1,393,447$22,580-$48,490$782,576$610,871
9$1,435,251$23,450-$47,701$766,345$668,905
10$1,478,308$24,351-$46,882$748,999$729,309
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.