| Acquisition (one-time, not monthly/yearly) | |
| Purchase price | $799,999 |
| Down payment (20.0%) | $160,000 |
| Loan amount | $639,999 |
| Closing costs (5.0%) | $40,000 |
| Total cash to close | $200,000 |
| Income | |
| Rent (comp-derived) | $3,923$47,070 |
| Vacancy loss (8.0%) | |
| Effective gross income | $3,609$43,304 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,267$15,200 |
| Insurance (placeholder 0.8% of price) | $533$6,400 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $196$2,354 |
| Total operating expenses | $1,996$23,953 |
| 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) | $196$2,354 |
| 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 | 4 | 2 | 2,053 | $4,500 | 2026-08-11 | — | |
| single_family | 4 | 3 | 2,152 | $4,000 | 2026-08-10 | — | |
| single_family | 4 | 3 | 1,802 | $3,850 | 2026-06-19 | — | |
| single_family | 4 | 2 | 2,109 | $3,460 | — | — | |
| single_family | 4 | 2 | 2,280 | $3,995 | — | — | |
| single_family | 4 | 3 | 2,328 | $3,790 | — | — |
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 |
|---|---|---|---|---|---|---|
| 320 NW 136th Ave | single_family | 4 | 3 | 2,326 | $785,000 | 2026-07-21 |
| 13237 NW 11th St | single_family | 4 | 4 | 2,338 | $725,000 | 2026-07-09 |
| 12855 NW 7th Ter | single_family | 4 | 3 | — | $705,000 | 2026-06-30 |
| 13238 NW 8th Ter | single_family | 4 | 2 | 1,899 | $670,000 | 2026-06-18 |
| 311 NW 132nd Ct | single_family | 4 | 2 | 2,276 | $568,000 | 2026-06-12 |
| 10 NW 125th Ave | single_family | 4 | 3 | 1,840 | $1,700,000 | 2026-06-04 |
| 13347 NW 5th Ter | single_family | 4 | 2 | 1,412 | $565,000 | 2026-06-03 |
| 1051 NW 128th Ave | single_family | 4 | 2 | 1,878 | $690,000 | 2026-06-03 |
| 800 NW 133rd Ave | single_family | 4 | 2 | 1,602 | $510,000 | 2026-05-14 |
| 220 NW 130th Ave | single_family | 4 | 3 | 2,396 | $1,725,000 | 2026-04-30 |
| 615 NW 134th Pl | single_family | 4 | 2 | 1,642 | $715,000 | 2026-04-30 |
| 12770 NW 11th St | single_family | 4 | 2 | 1,867 | $640,000 | 2026-04-20 |
| 714 NW 134th Pl | single_family | 4 | 2 | 2,011 | $750,000 | 2026-04-15 |
| 815 NW 126th Ct | single_family | 4 | 2 | 1,834 | $670,000 | 2026-04-14 |
| 699 NW 134th Pl | single_family | 4 | 2 | 1,776 | $670,000 | 2026-03-19 |
| 704 NW 129th Ct | single_family | 4 | 3 | 2,922 | $885,000 | 2026-03-11 |
| 1081 NW 128th Pl | single_family | 4 | 2 | 1,786 | $685,000 | 2026-02-20 |
| 1025 NW 128th Ct | single_family | 4 | 2 | 2,278 | $730,000 | 2026-02-12 |
| 13337 NW 3rd Ln | single_family | 4 | 2 | 1,592 | $630,000 | 2026-02-12 |
| 765 NW 129th Pl | single_family | 4 | 3 | 2,723 | $760,000 | 2026-01-09 |
| 12715 NW 11th Ter | single_family | 4 | 2 | 1,822 | $750,000 | 2025-12-29 |
| 13190 NW 6th St | single_family | 4 | 6 | 4,043 | $1,600,000 | 2025-11-12 |
| 933 NW 136th Ave | single_family | 4 | 3 | 2,176 | $750,000 | 2025-10-30 |
| 1143 NW 134th Pl | single_family | 4 | 2 | 1,642 | $705,000 | 2025-10-28 |
| 1143 NW 134th Pl | single_family | 4 | 2 | 1,642 | $705,000 | 2025-10-23 |
| 910 NW 133rd Ave | single_family | 4 | 2 | 1,965 | $645,000 | 2025-10-02 |
| 864 NW 136th Ave | single_family | 4 | 4 | 2,956 | $800,000 | 2025-10-01 |
| 13602 NW 10th St | single_family | 4 | 4 | 2,945 | $770,000 | 2025-09-30 |
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 |
|---|---|---|---|---|---|---|
| 901 NW 128th Pl | single_family | 4 | 2 | 1,786 | $699,000 | — |
| 942 NW 133rd Ct | single_family | 4 | 4 | 2,676 | $840,000 | — |
| 12693 NW 8th Ter | single_family | 4 | 3 | 1,690 | $550,000 | — |
| 1050 NW 129th Ave | single_family | 4 | 3 | 1,907 | $769,000 | — |
| 279 NW 119th Ave | single_family | 4 | 4 | 3,000 | $3,200,000 | — |
| 323 NW 136th Pl | single_family | 4 | 3 | 2,378 | $1,065,000 | — |
| 979 NW 126th Path | single_family | 4 | 3 | 1,690 | $630,000 | — |
| 849 NW 136th Ave | single_family | 4 | 3 | 2,065 | $769,000 | — |
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $823,999 | $19,351 | -$32,356 | $633,060 | $190,939 |
| 2 | $848,719 | $20,051 | -$31,715 | $625,645 | $223,074 |
| 3 | $874,181 | $20,776 | -$31,051 | $617,720 | $256,461 |
| 4 | $900,406 | $21,525 | -$30,364 | $609,251 | $291,155 |
| 5 | $927,418 | $22,299 | -$29,652 | $600,200 | $327,218 |
| 6 | $955,241 | $23,101 | -$28,916 | $590,528 | $364,712 |
| 7 | $983,898 | $23,929 | -$28,154 | $580,192 | $403,706 |
| 8 | $1,013,415 | $24,786 | -$27,365 | $569,146 | $444,269 |
| 9 | $1,043,817 | $25,672 | -$26,549 | $557,341 | $486,476 |
| 10 | $1,075,132 | $26,588 | -$25,705 | $544,726 | $530,406 |