| Acquisition (one-time, not monthly/yearly) | |
| Purchase price | $995,000 |
| Down payment (20.0%) | $199,000 |
| Loan amount | $796,000 |
| Closing costs (5.0%) | $49,750 |
| Total cash to close | $248,750 |
| Income | |
| Rent (comp-derived) | $3,250$39,000 |
| Vacancy loss (8.0%) | |
| Effective gross income | $2,990$35,880 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,575$18,905 |
| Insurance (placeholder 0.8% of price) | $663$7,960 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $163$1,950 |
| Total operating expenses | $2,401$28,815 |
| 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) | $163$1,950 |
| 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 | 2 | 2 | 1,050 | $3,250 | 2026-07-15 | — | |
| single_family | 2 | 2 | 1,166 | $4,000 | 2026-07-08 | — | |
| single_family | 2 | 2 | 1,072 | $8,900 | 2026-04-02 | — | |
| single_family | 2 | 1 | 980 | $1,990 | — | — | |
| single_family | 2 | 1 | 1,100 | $2,500 | 2026-05-03 | — |
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 |
|---|---|---|---|---|---|---|
| 500 NE 95th St | single_family | 2 | 1 | 1,462 | $800,000 | 2026-08-25 |
| 6329 NE 1st Ave | single_family | 2 | 1 | 827 | $210,000 | 2026-08-12 |
| 10610 NE 11th Ave | single_family | 2 | 2 | 1,965 | $1,485,000 | 2026-08-10 |
| 666 NE 62nd St | single_family | 2 | 2 | 1,210 | $900,000 | 2026-08-07 |
| 861 NE 74th St | single_family | 2 | 1 | 1,221 | $1,500,000 | 2026-07-23 |
| 8250 NE 4th Ave | single_family | 2 | 2 | 1,376 | $500,000 | 2026-07-20 |
| 8730 NE 8th Ct | single_family | 2 | 1 | 930 | $725,000 | 2026-07-02 |
| 9357 NE 9th Pl | single_family | 2 | 2 | 1,324 | $1,640,000 | 2026-07-01 |
| 1080 NE 86th St | single_family | 2 | 3 | 1,496 | $1,375,000 | 2026-06-26 |
| 525 NE 101st St | single_family | 2 | 2 | 1,763 | $3,725,000 | 2026-06-25 |
| 8634 NE 10th Ave | single_family | 2 | 1 | 1,043 | $450,000 | 2026-06-17 |
| 820 NE 82nd Ter | single_family | 2 | 1 | 1,281 | $640,000 | 2026-06-11 |
| 234 NE 99th St | single_family | 2 | 2 | 1,418 | $1,200,000 | 2026-06-09 |
| 10025 NE 3rd Ave | single_family | 2 | 2 | 1,706 | $1,300,000 | 2026-06-05 |
| 420 NE 87th St | single_family | 2 | 2 | 1,365 | $1,010,000 | 2026-06-05 |
| 720 NE 75th St | single_family | 2 | 2 | 1,278 | $1,100,000 | 2026-06-04 |
| 680 NE 81st St | single_family | 2 | 2 | 1,304 | $880,000 | 2026-05-20 |
| 985 NE 84th St | single_family | 2 | 2 | 2,067 | $1,150,000 | 2026-05-15 |
| 8501 E Dixie Hwy | single_family | 2 | 2 | 1,129 | $600,000 | 2026-05-05 |
| 101 NE 104th St | single_family | 2 | 2 | 1,796 | $895,000 | 2026-04-21 |
| 1226 NE 100th St | single_family | 2 | 2 | 2,085 | $1,847,000 | 2026-03-30 |
| 112 NE 98th St | single_family | 2 | 2 | 1,062 | $1,045,000 | 2026-03-27 |
| 1071 NE 85th St | single_family | 2 | 2 | 1,613 | $1,375,000 | 2026-03-20 |
| 715 NE 70th St | single_family | 2 | 3 | 1,977 | $1,600,000 | 2026-03-20 |
| 428 NE 71st St | single_family | 2 | 1 | 1,355 | $649,000 | 2026-03-17 |
| 9547507660 | single_family | 2 | 1 | 1,394 | $500,000 | 2026-02-27 |
| 911 NE 72nd Ter | single_family | 2 | 1 | 1,334 | $1,250,000 | 2026-02-18 |
| 811 NE 71st St | single_family | 2 | 3 | 1,452 | $1,225,000 | 2026-01-30 |
| 115 NE 87th St | single_family | 2 | 1 | 1,490 | $700,000 | 2025-12-31 |
| 7520 NE 5th Ave | single_family | 2 | 2 | 1,519 | $465,000 | 2025-12-23 |
| 758 NE 95th St | single_family | 2 | 1 | 1,160 | $914,000 | 2025-12-12 |
| 129 NE 87th St | single_family | 2 | 2 | 2,039 | $925,000 | 2025-12-12 |
| 373 NE 104th St | single_family | 2 | 2 | 1,505 | $1,300,000 | 2025-11-24 |
| 660 NE 67th St | single_family | 2 | 1 | 1,470 | $736,000 | 2025-11-12 |
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 |
|---|---|---|---|---|---|---|
| 830 NE 72nd St | single_family | 2 | 2 | 1,053 | $1,250,000 | — |
| 4000 Towerside Ter Apt 308 | condos | 2 | 2 | 1,465 | $397,000 | — |
| 780 NE 69th St Apt 1210 | condos | 2 | 2 | 1,316 | $550,000 | — |
| 634 NE 72nd Ter | single_family | 2 | 1 | 1,530 | $1,099,000 | — |
| 780 NE 69th St Apt 808 | condos | 2 | 2 | 1,219 | $419,000 | — |
| 446 NE 64th St | single_family | 2 | 2 | 1,024 | $799,000 | — |
| 6220 NE Miami Pl | single_family | 2 | 1 | 880 | $1,800,000 | — |
| 4000 Towerside Ter Apt 1407 | condos | 2 | 2 | 1,164 | $370,000 | — |
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $1,024,850 | $7,065 | -$56,269 | $787,370 | $237,480 |
| 2 | $1,055,596 | $7,421 | -$55,961 | $778,147 | $277,449 |
| 3 | $1,087,263 | $7,791 | -$55,641 | $768,290 | $318,973 |
| 4 | $1,119,881 | $8,176 | -$55,307 | $757,757 | $362,124 |
| 5 | $1,153,478 | $8,577 | -$54,959 | $746,500 | $406,977 |
| 6 | $1,188,082 | $8,993 | -$54,597 | $734,471 | $453,611 |
| 7 | $1,223,725 | $9,426 | -$54,219 | $721,615 | $502,110 |
| 8 | $1,260,436 | $9,876 | -$53,826 | $707,876 | $552,560 |
| 9 | $1,298,249 | $10,343 | -$53,416 | $693,195 | $605,055 |
| 10 | $1,337,197 | $10,829 | -$52,990 | $677,504 | $659,692 |