6437 SW 10th St
West Miami, FL 33144 · single_family · Pending — under contract · 169 days on market
Asking price$600,400
2 beds 1 baths 1,449 sqft
Listed by Rafael Descarga · Miami Trust Realty Inc
Typesingle_family
Built1948
Price / sqft$414
Est. value (own analysis)$664,334
Rent estimate (own analysis)$2,700/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeFlood4/10moderate$Air2/10MinorWildfire1/10Minimal
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Statusfor_sale
Listed date2026-03-17
Removed date—
MLSMiamiMLS #A11983932
Coordinates25.76175, -80.30063
Address6437 SW 10th St
CityWest Miami
StateFL
Zip33144
Listing ID5639314033
Sourceus-real-estate-listings, cached 2026-08-31
ZIP market snapshot (33144)
Typical home value (ZHVI)$626,128
Typical rent (ZORI)$2,322/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)
| Acquisition (one-time, not monthly/yearly) | |
| Purchase price | $600,400 |
| Down payment (20.0%) | $120,080 |
| Loan amount | $480,320 |
| Closing costs (5.0%) | $30,020 |
| Total cash to close | $150,100 |
| Income | |
| Rent (comp-derived) | $2,700$32,400 |
| Vacancy loss (8.0%) | |
| Effective gross income | $2,484$29,808 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $951$11,408 |
| Insurance (est. scaled by flood & wind risk) | $640$7,685 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $135$1,620 |
| Total operating expenses | $1,726$20,713 |
| 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) | $135$1,620 |
| 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 | 2 | 1 | 1,104 | $2,500 | 2026-08-13 | — | |
| single_family | 2 | 1 | 980 | $2,700 | 2026-07-12 | — | |
| single_family | 2 | 1 | 1,865 | $2,650 | 2026-06-03 | — | |
| single_family | 2 | 2 | 1,072 | $2,700 | 2026-08-26 | — | |
| single_family | 2 | 1 | 1,000 | $3,000 | 2026-08-10 | — |
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 |
|---|---|---|---|---|---|---|
| 1001 SW 72nd Ct | single_family | 2 | 1 | 1,110 | $689,900 | 2026-08-14 |
| 6741 SW 5th Ter | single_family | 2 | 1 | 1,020 | $490,000 | 2026-08-07 |
| 50 SW 58th Ct | single_family | 2 | 1 | 1,294 | $500,000 | 2026-07-31 |
| 7311 SW 15th St | single_family | 2 | 1 | 929 | $485,000 | 2026-07-27 |
| 635 SW 64th Ct | single_family | 2 | 1 | 1,048 | $573,000 | 2026-07-21 |
| 6457 SW 10th St | single_family | 2 | 1 | 1,029 | $620,000 | 2026-07-17 |
| 710 Tamiami Blvd | single_family | 2 | 1 | 967 | $440,000 | 2026-07-15 |
| 444 SW 64th Ave | single_family | 2 | 1 | 1,611 | $820,000 | 2026-07-14 |
| 6431 SW 4th St | single_family | 2 | 1 | 910 | $325,000 | 2026-07-10 |
| 6261 SW 6th St | single_family | 2 | 1 | 1,126 | $390,000 | 2026-06-18 |
| 1081 SW 63rd Ave | single_family | 2 | 1 | 1,419 | $610,000 | 2026-06-08 |
| 665 SW 64th Ct | single_family | 2 | 1 | 800 | $390,000 | 2026-05-27 |
| 421 Florida Blvd | single_family | 2 | 1 | 1,287 | $491,738 | 2026-05-05 |
| 1000 SW 62nd Ave | single_family | 2 | 1 | 1,413 | $570,000 | 2026-04-28 |
| 5942282477 | single_family | 2 | 1 | 1,205 | $530,000 | 2026-04-21 |
| 7160 SW 15th St | single_family | 2 | 1 | 774 | $525,000 | 2026-04-10 |
| 830 SW 72nd Ave | single_family | 2 | 1 | 1,485 | $460,000 | 2026-04-08 |
| 6830 SW 5th Ter | single_family | 2 | 1 | 1,050 | $652,000 | 2026-03-12 |
| 5834 SW 4th St | single_family | 2 | 1 | 936 | $500,000 | 2026-03-09 |
| 1020 SW 72nd Ave | single_family | 2 | 2 | 1,319 | $580,000 | 2026-02-09 |
| 55 SW 62nd Ct | single_family | 2 | 1 | 1,460 | $536,100 | 2026-01-27 |
| 6125 SW 2nd St | single_family | 2 | 1 | 1,156 | $530,000 | 2025-11-26 |
| 110 SW 64th Ct | single_family | 2 | 2 | 1,105 | $520,000 | 2025-10-17 |
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 |
|---|---|---|---|---|---|---|
| 900 SW 84th Ave Unit 301E | condos | 2 | 2 | 804 | $285,000 | — |
| 21 SW 59th Ave | single_family | 2 | 2 | 1,228 | $749,000 | — |
| 6820 W Flagler St Apt 407 | condos | 2 | 1 | 726 | $235,000 | — |
| 5940 SW 2nd St | single_family | 2 | 1 | 890 | $579,998 | — |
| 6820 W Flagler St Apt 207 | condos | 2 | 1 | 726 | $250,000 | — |
| 6820 W Flagler St Apt 101 | condos | 2 | 2 | 813 | $199,000 | — |
| 201 SW 62nd Ave | single_family | 2 | 2 | 1,221 | $669,900 | — |
| 5931 SW 14th St | single_family | 2 | 1 | 1,172 | $565,000 | — |
10-year hold projection
IRR-3.2%
Equity multiple0.47x
Total return (10yr)-$897
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $618,412 | $9,095 | -$29,565 | $475,112 | $143,300 |
| 2 | $636,964 | $9,472 | -$29,229 | $469,547 | $167,418 |
| 3 | $656,073 | $9,862 | -$28,880 | $463,599 | $192,474 |
| 4 | $675,755 | $10,267 | -$28,518 | $457,243 | $218,512 |
| 5 | $696,028 | $10,686 | -$28,142 | $450,451 | $245,577 |
| 6 | $716,909 | $11,121 | -$27,752 | $443,192 | $273,717 |
| 7 | $738,416 | $11,572 | -$27,347 | $435,434 | $302,982 |
| 8 | $760,569 | $12,039 | -$26,927 | $427,144 | $333,425 |
| 9 | $783,386 | $12,523 | -$26,490 | $418,285 | $365,101 |
| 10 | $806,887 | $13,025 | -$26,038 | $408,817 | $398,071 |
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.