| Acquisition (one-time, not monthly/yearly) | |
| Purchase price | $599,900 |
| Down payment (20.0%) | $119,980 |
| Loan amount | $479,920 |
| Closing costs (5.0%) | $29,995 |
| Total cash to close | $149,975 |
| Income | |
| Rent (comp-derived) | $3,550$42,600 |
| Vacancy loss (8.0%) | |
| Effective gross income | $3,266$39,192 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $950$11,398 |
| Insurance (est. scaled by flood & wind risk) | $600$7,199 |
| HOA dues | $189$2,268 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $178$2,130 |
| Total operating expenses | $1,916$22,995 |
| 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) | $178$2,130 |
| 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 |
|---|---|---|---|---|---|---|---|
| townhomes | 4 | 3 | 1,708 | $3,600 | 2026-08-11 | — | |
| townhomes | 4 | 4 | 1,644 | $3,400 | 2026-03-27 | — | |
| townhomes | 4 | 3 | 1,991 | $3,700 | 2026-09-01 | — | |
| townhomes | 4 | 3 | 1,826 | $3,500 | 2026-09-01 | — |
Widened to any bedroom count in ZIP. 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 |
|---|---|---|---|---|---|---|
| 7426 SW 162nd Ct | townhomes | 3 | 3 | 1,644 | $545,000 | 2026-08-21 |
| 7240 SW 162nd Ct | townhomes | 3 | 3 | 1,667 | $555,000 | 2026-08-21 |
| 6323 SW 147th Place Cir | townhomes | 3 | 2 | 1,059 | $410,000 | 2026-08-14 |
| 8618 SW 148th Pl | townhomes | 3 | 2 | 1,283 | $425,000 | 2026-07-31 |
| 7345 SW 148th Ct | townhomes | 3 | 2 | 1,699 | $535,000 | 2026-07-29 |
| 16236 SW 75th St | townhomes | 3 | 2 | 1,667 | $550,000 | 2026-07-24 |
| 8374 SW 152nd Ave Apt 47 | townhomes | 4 | 3 | 1,450 | $420,000 | 2026-07-02 |
| 5982 SW 162nd Ct | townhomes | 4 | 3 | 1,756 | $510,000 | 2026-06-25 |
| 8745 SW 152nd Ave Apt 215 | townhomes | 2 | 3 | 1,120 | $310,000 | 2026-06-22 |
| 5873026429 | townhomes | 3 | 3 | 1,820 | $515,000 | 2026-06-15 |
| 7378 SW 162nd Pl | townhomes | 3 | 3 | 1,644 | $545,000 | 2026-06-12 |
| 15585 SW 76th Ln Unit A81-8 | townhomes | 3 | 2 | 1,240 | $390,000 | 2026-06-11 |
| 7925 SW 153rd Ct | townhomes | 3 | 2 | 1,177 | $450,000 | 2026-06-11 |
| 8614 SW 147th Pl | townhomes | 3 | 2 | 1,283 | $445,000 | 2026-06-09 |
| 16382 SW 75th St | townhomes | 2 | 2 | 1,160 | $479,000 | 2026-06-01 |
| 7413 SW 162nd Path | townhomes | 3 | 3 | 1,644 | $495,000 | 2026-05-29 |
| 8749 SW 154th Circle Pl Unit 4G | townhomes | 3 | 3 | 2,282 | $380,000 | 2026-05-15 |
| 8500 SW 150th Ave | townhomes | 3 | 2 | 1,230 | $345,000 | 2026-05-06 |
| 16603 SW 79th Ter | townhomes | 3 | 3 | 1,770 | $495,000 | 2026-04-30 |
| 8720 SW 148th Pl | townhomes | 2 | 2 | 1,124 | $455,000 | 2026-04-13 |
| 15455 SW 74th Cir Ct Apt 1106 | townhomes | 2 | 3 | 1,210 | $276,000 | 2026-04-13 |
| 8424 SW 148th Pl | townhomes | 2 | 2 | 1,152 | $100,000 | 2026-04-06 |
| 7197 SW 152nd Pl | townhomes | 2 | 2 | 1,008 | $449,000 | 2026-03-26 |
| 14733 SW 61st Ter | townhomes | 2 | 2 | 1,059 | $275,000 | 2026-03-24 |
| 14731 SW 61st Ter | townhomes | 2 | 1 | 983 | $310,000 | 2026-03-24 |
| 16415 SW 73rd Ter | townhomes | 3 | 2 | 1,667 | $522,000 | 2026-03-20 |
| 16514 SW 68th Ter | townhomes | 3 | 2 | 1,580 | $530,000 | 2026-03-12 |
| 7161 SW 163rd Pl | townhomes | 3 | 2 | 1,666 | $498,000 | 2026-03-05 |
| 16394 SW 75th St | townhomes | 3 | 3 | 1,667 | $520,000 | 2026-02-24 |
| 7486 SW 162nd Ct | townhomes | 3 | 3 | 1,644 | $510,000 | 2026-02-18 |
| 16256 SW 57th Ln | townhomes | 3 | 2 | 2,027 | $549,000 | 2026-02-18 |
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.
| Address | Type | Beds | Baths | Sqft | Asking price | Days on market |
|---|---|---|---|---|---|---|
| 6732 SW 166th Ct | single_family | 4 | 3 | 2,528 | $250,000 | — |
| 16011 SW 87th Ter | single_family | 4 | 3 | 1,790 | $550,000 | — |
| 6903 SW 158th Ave | single_family | 4 | 4 | 2,830 | $825,000 | — |
| 15905 SW 83rd Ter | single_family | 4 | 4 | 2,051 | $699,000 | — |
| 8246 SW 147th Ct | single_family | 4 | 2 | 1,425 | $599,990 | — |
| 16474 SW 84th St | single_family | 4 | 3 | 2,080 | $725,000 | — |
| 6931 SW 159th Pl | single_family | 4 | 3 | 1,987 | $689,000 | — |
| 14851 SW 59th St | single_family | 4 | 2 | 1,544 | $699,950 | — |
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $617,897 | $16,197 | -$22,942 | $474,717 | $143,180 |
| 2 | $636,434 | $16,798 | -$22,394 | $469,156 | $167,278 |
| 3 | $655,527 | $17,420 | -$21,827 | $463,213 | $192,314 |
| 4 | $675,193 | $18,063 | -$21,240 | $456,862 | $218,330 |
| 5 | $695,449 | $18,729 | -$20,631 | $450,076 | $245,373 |
| 6 | $716,312 | $19,418 | -$20,001 | $442,823 | $273,489 |
| 7 | $737,801 | $20,130 | -$19,349 | $435,072 | $302,730 |
| 8 | $759,935 | $20,868 | -$18,674 | $426,788 | $333,147 |
| 9 | $782,733 | $21,630 | -$17,974 | $417,936 | $364,797 |
| 10 | $806,215 | $22,419 | -$17,250 | $408,476 | $397,739 |