| Acquisition (one-time, not monthly/yearly) | |
| Purchase price | $780,000 |
| Down payment (20.0%) | $156,000 |
| Loan amount | $624,000 |
| Closing costs (5.0%) | $39,000 |
| Total cash to close | $195,000 |
| Income | |
| Rent (comp-derived) | $4,600$55,200 |
| Vacancy loss (8.0%) | |
| Effective gross income | $4,232$50,784 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,235$14,820 |
| Insurance (est. scaled by flood & wind risk) | $832$9,984 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $230$2,760 |
| Total operating expenses | $2,297$27,564 |
| 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) | $230$2,760 |
| 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 | 3 | 1,584 | $3,600 | 2026-08-18 | — | |
| single_family | 4 | 2 | 1,930 | $4,350 | 2026-08-13 | — | |
| single_family | 4 | 3 | 1,937 | $5,300 | 2026-08-07 | — | |
| single_family | 4 | 3 | 1,922 | $3,500 | 2026-08-07 | — | |
| single_family | 4 | 3 | 2,000 | $4,600 | 2026-07-06 | — | |
| single_family | 4 | 3 | 1,468 | $5,250 | 2026-08-04 | — | |
| single_family | 4 | 2 | 1,949 | $3,190 | — | — | |
| single_family | 4 | 2 | 2,073 | $6,900 | 2025-04-02 | — | |
| single_family | 4 | 3 | 2,016 | $5,000 | — | — | |
| single_family | 4 | 3 | 1,771 | $4,650 | — | — | |
| single_family | 4 | 2 | 1,799 | $3,600 | 2026-02-10 | — |
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 |
|---|---|---|---|---|---|---|
| 10612 SW 128th Pl | single_family | 4 | 3 | 2,003 | $750,000 | 2026-08-28 |
| 10241 SW 128th Ave | single_family | 4 | 3 | 1,968 | $760,000 | 2026-08-28 |
| 14441 SW 108th Ter | single_family | 4 | 2 | 1,788 | $550,000 | 2026-08-21 |
| 12687 SW 146th St | single_family | 4 | 2 | 1,900 | $500,000 | 2026-08-20 |
| 13455 SW 104th Ter | single_family | 4 | 2 | 1,897 | $815,000 | 2026-08-14 |
| 10615 SW 129th Ct | single_family | 4 | 4 | 1,887 | $830,000 | 2026-08-14 |
| 10940 SW 143rd Ct | single_family | 4 | 2 | 1,645 | $625,000 | 2026-07-31 |
| 14600 SW 124th Pl | single_family | 4 | 2 | 1,230 | $480,000 | 2026-07-30 |
| 13348 SW 144th Ter | single_family | 4 | 2 | 2,174 | $730,000 | 2026-07-24 |
| 12410 SW 106th Ter | single_family | 4 | 2 | 1,700 | $765,000 | 2026-07-24 |
| 14756 SW 132nd Ave | single_family | 4 | 3 | 2,422 | $725,000 | 2026-07-23 |
| 11031 SW 141st Ave | single_family | 4 | 2 | 2,166 | $650,000 | 2026-07-20 |
| 14803 SW 132nd Ave | single_family | 4 | 3 | 2,399 | $650,000 | 2026-07-17 |
| 13661 SW 119th Ave | single_family | 4 | 3 | 2,152 | $649,990 | 2026-07-16 |
| 10520 SW 142nd Ave | single_family | 4 | 2 | 1,956 | $675,000 | 2026-07-15 |
| 10180 SW 146th Ave | single_family | 4 | 2 | 1,765 | $600,000 | 2026-07-14 |
| 11776 SW 90th Ter | single_family | 4 | 3 | 2,416 | $800,000 | 2026-07-14 |
| 14759 SW 132nd Pl | single_family | 4 | 3 | 2,415 | $770,000 | 2026-07-09 |
| 9356 SW 144th Ct | single_family | 4 | 2 | 2,032 | $560,000 | 2026-07-09 |
| 12423 SW 123rd Ter | single_family | 4 | 3 | 1,793 | $540,000 | 2026-07-07 |
| 12024 SW 117th Ter | single_family | 4 | 2 | 1,679 | $658,000 | 2026-07-02 |
| 13951 SW 109th St | single_family | 4 | 2 | 1,930 | $790,000 | 2026-06-30 |
| 14543 SW 97th St | single_family | 4 | 2 | 1,755 | $580,000 | 2026-06-29 |
| 9530 SW 143rd Pl | single_family | 4 | 3 | 2,214 | $671,900 | 2026-06-23 |
| 11403 SW 129th Pl | single_family | 4 | 2 | 1,941 | $785,000 | 2026-06-23 |
| 12735 SW 112th Ter | single_family | 4 | 2 | 2,612 | $900,000 | 2026-06-22 |
| 11942 SW 126th Ln | single_family | 4 | 3 | 2,959 | $825,000 | 2026-06-19 |
| 10320 SW 132nd Ave | single_family | 4 | 2 | 2,403 | $930,000 | 2026-06-18 |
| 14464 SW 96th Ter | single_family | 4 | 2 | 1,755 | $615,000 | 2026-06-18 |
| 6108983004 | single_family | 4 | 2 | 1,780 | $675,000 | 2026-06-16 |
| 9300 E Calusa Club Dr | single_family | 4 | 3 | — | $1,000,000 | 2026-06-15 |
| 10230 SW 130th Ave | single_family | 4 | 3 | 2,121 | $740,000 | 2026-06-15 |
| 14554 SW 96th Ter | single_family | 4 | 2 | 1,755 | $650,000 | 2026-06-11 |
| 10510 SW 139th Ave | single_family | 4 | 2 | 2,063 | $625,000 | 2026-06-09 |
| 14908 SW 143rd Pl | single_family | 4 | 3 | 2,493 | $720,000 | 2026-06-08 |
| 10290 SW 145th Pl | single_family | 4 | 2 | 1,931 | $685,000 | 2026-06-05 |
| 13560 SW 108th Street Cir N | single_family | 4 | 3 | 1,939 | $655,000 | 2026-06-04 |
| 13911 SW 100th Ln | single_family | 4 | 3 | 2,016 | $750,000 | 2026-06-02 |
| 13505 SW 104th Ter | single_family | 4 | 3 | 2,294 | $805,000 | 2026-06-01 |
| 13971 SW 109th St | single_family | 4 | 2 | 1,930 | $738,000 | 2026-05-29 |
| 13518 SW 142nd Ter | single_family | 4 | 3 | 2,185 | $620,000 | 2026-05-29 |
| 14354 SW 134th Ct | single_family | 4 | 3 | 1,840 | $502,000 | 2026-05-22 |
| 13830 SW 108th St | single_family | 4 | 3 | 1,913 | $675,000 | 2026-05-20 |
| 14554 SW 97th St | single_family | 4 | 2 | 1,755 | $625,000 | 2026-05-19 |
| 12702 SW 113th Ln | single_family | 4 | 2 | 2,209 | $725,000 | 2026-05-15 |
| 12200 SW 100th St | single_family | 4 | 2 | 2,618 | $1,275,000 | 2026-05-13 |
| 12684 SW 145th St | single_family | 4 | 2 | 1,900 | $500,000 | 2026-05-05 |
| 14604 SW 132nd Ave | single_family | 4 | 2 | 2,364 | $735,500 | 2026-04-24 |
| 12283 SW 123rd Psge | single_family | 4 | 3 | 2,074 | $573,000 | 2026-04-17 |
| 5751938009 | single_family | 4 | 4 | 2,239 | $500,000 | 2026-04-13 |
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 |
|---|---|---|---|---|---|---|
| 14452 SW 115th St | single_family | 4 | 2 | 1,775 | $655,000 | — |
| 14630 SW 132nd Ct | single_family | 4 | 2 | 2,459 | $689,000 | — |
| 11723 SW 95th Ter | single_family | 4 | 2 | 2,405 | $925,000 | — |
| 12231 SW 103rd Ter | single_family | 4 | 3 | 2,289 | $1,399,999 | — |
| 14405 SW 124th Ct | single_family | 4 | 3 | 1,927 | $589,900 | — |
| 12958 SW 135th St | townhomes | 4 | 3 | 1,758 | $525,000 | — |
| 10311 SW 134th Ave | single_family | 4 | 3 | 2,037 | $825,000 | — |
| 15166 SW 142nd Ct | single_family | 4 | 3 | 2,120 | $699,000 | — |
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $803,400 | $23,220 | -$27,660 | $617,234 | $186,166 |
| 2 | $827,502 | $24,054 | -$26,894 | $610,004 | $217,498 |
| 3 | $852,327 | $24,917 | -$26,102 | $602,278 | $250,049 |
| 4 | $877,897 | $25,810 | -$25,282 | $594,021 | $283,876 |
| 5 | $904,234 | $26,732 | -$24,434 | $585,196 | $319,037 |
| 6 | $931,361 | $27,686 | -$23,556 | $575,766 | $355,595 |
| 7 | $959,302 | $28,673 | -$22,648 | $565,688 | $393,613 |
| 8 | $988,081 | $29,693 | -$21,708 | $554,919 | $433,162 |
| 9 | $1,017,723 | $30,748 | -$20,735 | $543,409 | $474,314 |
| 10 | $1,048,255 | $31,838 | -$19,729 | $531,109 | $517,145 |