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
$510,000
Down payment (20.0%)
$102,000
Loan amount
$408,000
Closing costs (5.0%)
$25,500
Total cash to close
$127,500
Income
Rent (comp-derived)
$5,200$62,400
Vacancy loss (8.0%)
Effective gross income
$4,784$57,408
Operating expenses
Property tax (placeholder 1.9% of price)
$808$9,690
Insurance (placeholder 0.8% of price)
$340$4,080
HOA dues
$0$0
Management (0.0% of EGI)
$0$0
Maintenance (5.0% of GSR)
$260$3,120
Total operating expenses
$1,408$16,890
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)
$260$3,120
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
single_family
4
2
1,372
$3,300
2026-08-20
—
single_family
4
2
1,518
$4,000
2026-08-13
—
single_family
4
2
1,627
$3,850
2026-08-12
—
single_family
4
2
—
$4,000
—
—
single_family
4
3
1,703
$5,000
2026-06-25
—
single_family
4
3
1,100
$3,900
2026-07-31
—
single_family
4
3
1,660
$3,300
2026-07-31
—
single_family
4
2
1,663
$3,800
2026-07-28
—
single_family
4
3
1,896
$3,599
2026-07-27
—
single_family
4
2
1,574
$3,400
2026-08-21
—
single_family
4
2
—
$5,500
—
—
single_family
4
3
3,080
$6,100
—
—
single_family
4
4
2,370
$5,900
—
—
single_family
4
3
3,115
$6,695
2026-06-18
—
single_family
4
2
2,096
$5,500
2026-07-15
—
single_family
4
3
2,398
$6,800
2026-08-05
—
single_family
4
2
1,981
$6,000
2026-07-31
—
single_family
4
3
2,486
$4,800
2026-07-17
—
single_family
4
2
2,387
$6,200
2026-06-17
—
single_family
4
2
1,752
$5,200
2026-08-23
—
single_family
4
3
2,206
$8,000
2026-08-19
—
single_family
4
4
3,499
$14,500
2026-08-11
—
single_family
4
2
1,894
$4,400
2026-06-02
—
single_family
4
3
3,000
$8,250
2026-07-29
—
single_family
4
4
3,817
$9,500
2026-06-03
—
single_family
4
3
—
$3,200
2026-06-24
—
single_family
4
3
3,425
$10,000
2026-07-30
—
single_family
4
2
1,689
$4,500
2026-08-14
—
single_family
4
3
1,703
$5,000
2026-08-27
—
single_family
4
3
1,949
$4,500
—
—
single_family
4
2
2,096
$5,500
2026-08-27
—
single_family
4
2
1,752
$5,200
2026-08-27
—
single_family
4
4
1,319
$4,600
—
—
single_family
4
4
—
$6,000
—
—
single_family
4
3
2,786
$6,000
2026-08-28
—
single_family
4
3
1,680
$4,700
2026-08-29
—
single_family
4
2
1,704
$5,890
2026-08-30
—
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.