3144 SW 154th Pl

Miami, FL 33185 · single_family · For Sale · 98 days on market
Asking price$824,900
5 beds 4 baths 3,267 sqft
View on Realtor.com →
Listed by Justin Quintana · Tommy Crivello Real Estate Group
Typesingle_family
Built2005
Price / sqft$252
Est. value (own analysis)$1,018,008
Rent estimate (own analysis)$5,998/mo
HOA$180/mo
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Neighborhood

Show every detail
Statusfor_sale
Listed date2026-05-27
Removed date
MLSBeachesMLS #B26033355
Coordinates25.73791, -80.44566
Address3144 SW 154th Pl
CityMiami
StateFL
Zip33185
Listing ID5365199180
Sourceus-real-estate-listings, cached 2026-09-02

ZIP market snapshot (33185)

Typical home value (ZHVI)$677,356
Typical rent (ZORI)$3,519/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$824,900
Down payment (20.0%)$164,980
Loan amount$659,920
Closing costs (5.0%)$41,245
Total cash to close$206,225
Rent (comp-derived)$5,998$71,970
Vacancy loss (8.0%)

Vacancy Loss

Gross Scheduled Rent × Vacancy Rate

Gross scheduled rent (annual) comp$71,970
Vacancy rate (assumption) assumption8.0%

$71,970 × 8.0% = $5,758

Effective gross income$5,518$66,212
Property tax (placeholder 1.9% of price)$1,306$15,673
Insurance (placeholder 0.8% of price)$550$6,599
HOA dues$180$2,160
Management (0.0% of EGI)$0$0
Maintenance (5.0% of GSR)$300$3,599
Total operating expenses$2,336$28,031
Net operating income (NOI)

Net Operating Income (NOI)

Effective Gross Income − Total Operating Expenses

Effective gross income derived$66,212
Total operating expenses derived$28,031

$66,212 − $28,031 = $38,182

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$659,920
Interest rate (avg 30yr rate) comp6.7%
Term (assumption) assumption30 years

$659,920 amortized at 6.7% over 30 years = $4,241/mo

CapEx reserve (5.0% of GSR)$300$3,599
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$38,182
Annual debt service derived$50,890
Annual CapEx reserve assumption$3,599
Annual PMI assumption$0

($38,182 − $50,890 − $3,599 − $0) ÷ 12 = -$1,359

Cap rate

Cap Rate

NOI ÷ Purchase Price

NOI derived$38,182
Purchase price data$824,900

$38,182 ÷ $824,900 = 4.6%

Cash-on-cash

Cash-on-Cash Return

Annual Cash Flow ÷ Total Cash Invested

Annual cash flow derived-$16,307
Total cash to close derived$206,225

-$16,307 ÷ $206,225 = -7.9%

DSCR

Debt Service Coverage Ratio (DSCR)

NOI ÷ Annual Debt Service

NOI derived$38,182
Annual debt service derived$50,890

$38,182 ÷ $50,890 = 0.75

Rent-to-price (1% rule)

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

(Gross Scheduled Rent ÷ 12) ÷ Purchase Price

Gross scheduled rent (annual) comp$71,970
Purchase price data$824,900

($71,970 ÷ 12) ÷ $824,900 = 0.7%

Gross rent multiplier

Gross Rent Multiplier (GRM)

Purchase Price ÷ Gross Scheduled Rent

Purchase price data$824,900
Gross scheduled rent (annual) comp$71,970

$824,900 ÷ $71,970 = 11.5

Operating expense ratio

Operating Expense Ratio

Total Operating Expenses ÷ Effective Gross Income

Total operating expenses derived$28,031
Effective gross income derived$66,212

$28,031 ÷ $66,212 = 42.3%

Break-even occupancy

Break-Even Occupancy

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

Total operating expenses derived$28,031
Annual debt service derived$50,890
Annual PMI assumption$0
Gross scheduled rent (annual) comp$71,970

($28,031 + $50,890 + $0) ÷ $71,970 = 109.7%

Comparables

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

AddressTypeBedsBathsSqftAsking rentListedDays on market
single_family532,200$5,2502026-08-13
single_family532,547$7,9002026-07-20
single_family532,733$6,3002026-07-12
single_family533,001$5,2002026-07-07
single_family563,716$6,0002026-07-02
single_family543,294$5,9952026-08-24
single_family542,916$6,0002026-08-23
single_family532,946$5,000
single_family542,916$6,0002026-08-25
single_family533,114$5,900

2802 SW 149th Pl

Miami, 33185 · rent comp

Bedrooms / bathrooms5 bd / 3 ba
Square footage2,200
Listed2026-08-13
Days on market

Asking rent: $5,250

View on Zillow →

3654 SW 150th Ct

Miami, 33185 · rent comp

Bedrooms / bathrooms5 bd / 3 ba
Square footage2,547
Listed2026-07-20
Days on market

Asking rent: $7,900

View on Zillow →

4450 SW 164th Ave Unit 0

Miami, 33185 · rent comp

Bedrooms / bathrooms5 bd / 3 ba
Square footage2,733
Listed2026-07-12
Days on market

Asking rent: $6,300

View on Zillow →

15431 SW 39th Ter

Miami, 33185 · rent comp

Bedrooms / bathrooms5 bd / 3 ba
Square footage3,001
Listed2026-07-07
Days on market

Asking rent: $5,200

View on Zillow →

14747 SW 38th Ter

Miami, 33185 · rent comp

Bedrooms / bathrooms5 bd / 6 ba
Square footage3,716
Listed2026-07-02
Days on market

Asking rent: $6,000

View on Zillow →

15561 SW 31st Ln # 0

Miami, 33185 · rent comp

Bedrooms / bathrooms5 bd / 4 ba
Square footage3,294
Listed2026-08-24
Days on market

Asking rent: $5,995

View on Zillow →

16237 SW 44th Ter Unit 0

Miami, 33185 · rent comp

Bedrooms / bathrooms5 bd / 4 ba
Square footage2,916
Listed2026-08-23
Days on market

Asking rent: $6,000

View on Zillow →

15387 SW 21st Ln

Miami, 33185 · rent comp

Bedrooms / bathrooms5 bd / 3 ba
Square footage2,946
Listed
Days on market

Asking rent: $5,000

View on Zillow →

16237 SW 44th Ter # 0

Miami, 33185 · rent comp

Bedrooms / bathrooms5 bd / 4 ba
Square footage2,916
Listed2026-08-25
Days on market

Asking rent: $6,000

View on Zillow →

15051 SW 18th Ter

Miami, 33185 · rent comp

Bedrooms / bathrooms5 bd / 3 ba
Square footage3,114
Listed
Days on market

Asking rent: $5,900

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
5441 SW 155th Plsingle_family542,677$740,0002026-08-21
4920 SW 156th Plsingle_family553,271$1,025,0002026-08-21
14856 SW 27th Tersingle_family543,261$1,229,0002026-08-17
2651 SW 152nd Ctsingle_family543,403$660,0002026-07-27
15383 SW 23rd Stsingle_family543,137$977,5002026-06-26
15486 SW 23rd Lnsingle_family542,372$975,0002026-06-19
15064 SW 30th Tersingle_family542,055$900,0002026-06-13
15615 SW 42nd Tersingle_family543,656$1,175,0002026-06-10
2066 SW 156th Avesingle_family542,712$800,0002026-05-19
14841 SW 39th Tersingle_family543,449$1,245,0002026-04-29
15281 SW 26th Tersingle_family543,403$875,0002026-04-01
15433 SW 20th Lnsingle_family54$1,074,0002026-03-23
5302 SW 164th Plsingle_family521,790$685,0002026-02-20
5110 SW 153rd Pl Nsingle_family532,164$620,0002026-02-20
16242 SW 42nd Tersingle_family542,666$815,0002026-01-28
2080 SW 152nd Plsingle_family543,137$932,0002026-01-16
16141 SW 42nd Tersingle_family542,629$800,0002025-11-21
16262 SW 44th Tersingle_family542,916$940,0002025-11-18
1724 SW 154th Pathsingle_family532,765$895,0002025-10-28
15361 SW 39th Lnsingle_family532,076$745,0002025-10-22
14842 SW 22nd Tersingle_family522,545$790,0002025-10-17
3844 SW 149th Plsingle_family531,936$825,0002025-10-03
3083 SW 147th Plsingle_family543,014$885,0002025-10-03
16548 SW 43rd Lnsingle_family532,565$735,5002025-09-18

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.

AddressTypeBedsBathsSqftAsking priceDays on market
15867 SW 44th Stsingle_family532,812$1,050,000
4450 SW 164th Avesingle_family532,733$925,000
15454 SW 41st Tersingle_family553,056$950,000
14800 SW 29th Tersingle_family543,340$1,335,000
16234 SW 48th Tersingle_family532,624$1,600,000
16588 SW 44th Stsingle_family542,731$1,200,000
16237 SW 44th Tersingle_family542,916$999,999
5441 SW 155th Plsingle_family542,677$739,998

10-year hold projection

IRR5.2%
Equity multiple1.82x
Total return (10yr)$277,732
YearProperty valueNOICash flowLoan balanceEquity
1$849,647$38,182-$16,307$652,765$196,882
2$875,136$39,467-$15,111$645,119$230,018
3$901,391$40,795-$13,876$636,947$264,443
4$928,432$42,166-$12,599$628,215$300,217
5$956,285$43,582-$11,280$618,883$337,402
6$984,974$45,044-$9,917$608,910$376,064
7$1,014,523$46,554-$8,509$598,252$416,271
8$1,044,959$48,113-$7,054$586,862$458,097
9$1,076,307$49,723-$5,551$574,690$501,617
10$1,108,597$51,386-$3,998$561,682$546,914
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.