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
$145,000
Down payment (20.0%)
$29,000
Loan amount
$116,000
Closing costs (5.0%)
$7,250
Total cash to close
$36,250
Income
Rent (comp-derived)
$1,750$21,000
Vacancy loss (8.0%)
Effective gross income
$1,610$19,320
Operating expenses
Property tax (placeholder 1.9% of price)
$230$2,755
Insurance (placeholder 0.8% of price)
$97$1,160
HOA dues
$427$5,124
Management (0.0% of EGI)
$0$0
Maintenance (5.0% of GSR)
$88$1,050
Total operating expenses
$841$10,089
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)
$88$1,050
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
condos
1
2
889
$1,795
2026-08-21
—
condos
1
2
1,100
$1,800
2026-08-20
—
condos
1
1
825
$1,575
2026-08-20
—
condos
1
2
861
$1,800
2026-08-19
—
apartment
1
1
955
$2,196
2024-04-12
—
condos
1
1
909
$1,750
2026-08-17
—
condos
1
2
861
$1,800
2026-08-17
—
condos
1
1
825
$1,850
2026-08-14
—
apartment
1
2
861
$1,850
2026-08-14
—
condos
1
2
873
$1,700
2026-08-13
—
condos
1
2
861
$1,700
2026-08-11
—
condos
1
1
801
$1,700
2026-08-08
—
condos
1
2
861
$1,750
2026-08-07
—
condos
1
1
850
$1,400
2026-08-07
—
condos
1
1
775
$1,650
2026-08-05
—
condos
1
2
1,036
$2,050
2026-08-05
—
condos
1
1
801
$1,700
2026-07-23
—
condos
1
2
1,100
$1,800
2026-07-22
—
condos
1
2
861
$1,850
2026-07-22
—
condos
1
1
825
$1,500
2026-07-22
—
condos
1
2
823
$1,400
2026-07-20
—
condos
1
2
952
$1,800
2026-07-20
—
condos
1
2
898
$1,700
2026-07-13
—
condos
1
1
660
$1,650
2026-07-12
—
condos
1
1
825
$1,700
2026-07-11
—
condos
1
2
954
$1,450
2026-08-02
—
condos
1
2
861
$1,850
2026-07-09
—
condos
1
1
1,151
$1,400
2026-07-06
—
condos
1
2
898
$1,650
2026-07-04
—
condos
1
1
650
$1,600
2026-07-01
—
condos
1
1
1,272
$1,200
2026-07-01
—
condos
1
1
650
$1,600
2026-06-27
—
condos
1
1
660
$1,500
2026-06-26
—
condos
1
1
850
$1,350
2026-06-24
—
condos
1
2
954
$1,750
2026-06-23
—
condos
1
2
873
$1,850
2026-06-23
—
condos
1
1
779
$1,550
2026-06-20
—
condos
1
1
850
$1,400
2026-06-17
—
condos
1
2
1,090
$1,890
2026-06-17
—
condos
1
2
1,036
$1,925
2026-06-12
—
condos
1
1
779
$1,850
2026-06-10
—
condos
1
1
835
$950
2026-06-04
—
condos
1
2
861
$1,850
2026-06-03
—
condos
1
2
898
$1,550
2026-06-03
—
condos
1
1
692
$1,500
2026-06-02
—
apartment
1
1.5
896
$1,800
2026-05-29
—
condos
1
2
932
$2,495
2026-05-28
—
condos
1
2
861
$1,800
2026-05-28
—
condos
1
2
823
$1,600
2026-05-27
—
condos
1
1
816
$2,200
2026-05-27
—
condos
1
1
873
$1,750
2026-05-15
—
condos
1
2
898
$1,600
2026-05-14
—
condos
1
1
825
$1,650
2026-05-13
—
condos
1
2
1,036
$1,750
2026-05-08
—
condos
1
2
1,100
$1,700
2026-05-07
—
condos
1
2
861
$1,650
2026-05-01
—
apartment
1
1
675
$1,625
2024-12-20
—
condos
1
2
898
$1,900
2026-08-03
—
condos
1
2
954
$1,800
2026-08-01
—
condos
1
2
1,100
$1,980
2026-07-30
—
condos
1
1
825
$1,800
2026-07-28
—
condos
1
2
954
$1,750
2026-03-19
—
condos
1
2
889
$1,600
2026-08-24
—
condos
1
2
1,036
$1,600
2026-03-14
—
condos
1
2
898
$1,650
2026-04-09
—
condos
1
1
825
$1,500
2026-04-03
—
condos
1
1
909
$1,700
2026-08-24
—
condos
1
2
889
$1,750
2026-04-16
—
condos
1
2
898
$1,750
2026-04-23
—
condos
1
2
861
$1,700
2026-04-03
—
condos
1
1
825
$1,590
2026-04-13
—
condos
1
2
889
$1,650
2026-03-11
—
condos
1
1
660
$1,775
2026-04-07
—
condos
1
2
954
$1,550
2025-12-16
—
condos
1
2
873
$1,650
2026-03-11
—
condos
1
1
686
$1,700
2026-03-02
—
condos
1
2
883
$1,600
2026-03-20
—
condos
1
1
909
$1,750
2026-02-13
—
condos
1
1
909
$1,750
2026-02-13
—
condos
1
2
830
$1,800
2026-04-01
—
apartment
1
1
675
$1,625
—
—
apartment
1
1
1,222
$2,330
—
—
apartment
1
1
781
$2,194
—
—
apartment
1
1
870
$1,850
—
—
apartment
1
1
675
$1,855
—
—
apartment
1
1
850
$1,834
—
—
apartment
1
1
850
$1,834
—
—
apartment
1
1
800
$2,199
—
—
condos
1
2
954
$1,590
2026-08-28
—
condos
1
2
898
$1,800
2026-08-27
—
apartment
1
2
954
$1,800
2026-08-27
—
apartment
1
1
800
$1,700
2025-01-18
—
apartment
1
1
781
$2,149
2025-07-07
—
apartment
1
1
692
$1,700
2026-08-05
—
condos
1
2
1,077
$1,800
2026-08-24
—
condos
1
1
660
$1,500
2026-07-12
—
condos
1
2
1,036
$1,650
2026-05-01
—
condos
1
1
660
$15,000
2026-08-26
—
condos
1
1
909
$2,000
2026-08-26
—
condos
1
1
850
$1,650
2026-05-29
—
condos
1
1
660
$1,550
2026-05-14
—
condos
1
1
850
$1,876
2026-08-12
—
apartment
1
2
850
$1,900
2025-08-18
—
condos
1
2
861
$1,750
—
—
apartment
1
1
800
$2,159
—
—
condos
1
1
660
$1,800
2026-01-30
—
apartment
1
1
781
$2,169
—
—
apartment
1
1
781
$2,169
—
—
apartment
1
1
675
$1,625
—
—
apartment
1
1
800
$2,184
—
—
apartment
1
1
750
$1,427
—
—
apartment
1
1
675
$1,855
—
—
apartment
1
1
675
$1,625
—
—
apartment
1
1
675
$1,625
—
—
apartment
1
1
905
$1,856
—
—
apartment
1
1
905
$1,834
—
—
apartment
1
1
850
$1,812
—
—
apartment
1
1
781
$2,149
—
—
apartment
1
1
800
$2,159
—
—
apartment
1
1
800
$2,204
—
—
apartment
1
1
781
$2,214
—
—
apartment
1
1
781
$2,219
—
—
condos
1
2
861
$1,750
2026-08-29
—
condos
1
2
1,002
$1,900
2026-09-01
—
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.
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.
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.