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
$139,000
Down payment (20.0%)
$27,800
Loan amount
$111,200
Closing costs (5.0%)
$6,950
Total cash to close
$34,750
Income
Rent (comp-derived)
$2,350$28,200
Vacancy loss (8.0%)
Effective gross income
$2,162$25,944
Operating expenses
Property tax (placeholder 1.9% of price)
$220$2,641
Insurance (placeholder 0.8% of price)
$93$1,112
HOA dues
$1,008$12,096
Management (0.0% of EGI)
$0$0
Maintenance (5.0% of GSR)
$118$1,410
Total operating expenses
$1,438$17,259
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)
$118$1,410
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
apartment
1
1
680
$2,071
—
—
apartment
1
1
788
$2,511
—
—
apartment
1
1
894
$2,560
—
—
apartment
1
1
765
$2,186
—
—
apartment
1
1
816
$2,189
—
—
apartment
1
1
848
$2,669
—
—
apartment
1
1
769
$2,198
—
—
apartment
1
1
765
$2,226
—
—
apartment
1
1
618
$2,197
—
—
apartment
1
1
680
$2,151
—
—
apartment
1
1
765
$2,166
—
—
apartment
1
1
765
$2,176
—
—
apartment
1
1
680
$2,121
—
—
apartment
1
1
765
$2,166
—
—
apartment
1
1
765
$2,206
—
—
apartment
1
1
750
$2,581
—
—
apartment
1
1
830
$2,216
—
—
apartment
1
1
689
$2,482
—
—
apartment
1
1
825
$2,471
—
—
apartment
1
1
793
$2,437
—
—
apartment
1
1
769
$2,765
—
—
apartment
1
1
689
$2,367
—
—
apartment
1
1
875
$2,280
2024-10-16
—
apartment
1
1
901
$2,275
2025-09-09
—
apartment
1
1
772
$2,212
2024-06-22
—
apartment
1
1
788
$2,305
2024-10-17
—
apartment
1
1
791
$2,221
2024-08-01
—
apartment
1
1
744
$2,360
2025-12-30
—
apartment
1
1
816
$2,139
2024-06-11
—
apartment
1
1
755
$2,411
2024-06-11
—
apartment
1
1
769
$2,572
2026-01-13
—
condos
1
1
843
$2,100
2026-08-07
—
condos
1
1
743
$2,050
2026-07-07
—
condos
1
1
743
$2,175
2026-06-01
—
condos
1
2
899
$2,200
2026-06-10
—
condos
1
1
743
$2,275
2026-07-16
—
condos
1
2
686
$2,350
2026-08-14
—
condos
1
2
765
$2,300
2026-07-21
—
condos
1
2
765
$2,550
2026-08-20
—
condos
1
2
899
$2,390
2026-08-14
—
condos
1
2
650
$2,090
2026-08-13
—
apartment
1
1
705
$2,750
2026-07-28
—
condos
1
1
743
$2,250
2026-08-13
—
condos
1
2
650
$2,350
2026-06-20
—
condos
1
1
641
$2,550
2026-08-03
—
condos
1
1
873
$2,300
2026-08-17
—
condos
1
1
668
$2,350
2026-07-28
—
condos
1
1
873
$2,300
2026-07-14
—
apartment
1
1
774
$2,457
—
—
condos
1
2
765
$2,350
2026-07-22
—
apartment
1
1
702
$2,217
2025-07-24
—
apartment
1
1
794
$2,283
—
—
apartment
1
1
901
$2,295
—
—
apartment
1
1
706
$2,454
—
—
apartment
1
1
763
$2,538
—
—
apartment
1
1
900
$2,564
—
—
apartment
1
1
791
$2,348
—
—
apartment
1
1
664
$2,347
—
—
apartment
1
1
689
$2,387
—
—
apartment
1
1
706
$2,394
—
—
apartment
1
1
774
$2,457
—
—
apartment
1
1
865
$2,642
—
—
apartment
1
1
865
$2,984
—
—
apartment
1
1
773
$2,937
—
—
apartment
1
1
773
$2,520
—
—
apartment
1
1
773
$2,509
—
—
apartment
1
1
735
$2,260
—
—
apartment
1
1
773
$2,499
—
—
apartment
1
1
799
$2,252
—
—
apartment
1
1
689
$2,457
—
—
apartment
1
1
773
$2,459
—
—
apartment
1
1
799
$2,262
—
—
apartment
1
1
799
$2,267
—
—
apartment
1
1
710
$2,095
—
—
apartment
1
1
816
$2,169
—
—
apartment
1
1
816
$2,149
—
—
apartment
1
1
830
$2,401
—
—
apartment
1
1
755
$2,647
—
—
apartment
1
1
875
$2,382
—
—
apartment
1
1
735
$2,260
—
—
apartment
1
1
799
$2,308
—
—
apartment
1
1
738
$2,379
—
—
apartment
1
1
892
$2,620
—
—
apartment
1
1
799
$2,252
—
—
apartment
1
1
799
$2,307
—
—
apartment
1
1
897
$2,594
—
—
apartment
1
1
897
$2,243
—
—
apartment
1
1
901
$2,275
—
—
apartment
1
1
901
$2,275
—
—
apartment
1
1
799
$2,292
—
—
apartment
1
1
897
$2,594
—
—
apartment
1
1
765
$2,236
—
—
apartment
1
1
765
$2,241
—
—
apartment
1
1
799
$2,252
—
—
apartment
1
1
880
$2,647
—
—
apartment
1
1
800
$2,250
2025-08-07
—
apartment
1
1
773
$2,499
—
—
apartment
1
1
830
$2,371
—
—
apartment
1
1
773
$2,489
—
—
apartment
1
1
735
$2,245
—
—
apartment
1
1
799
$2,560
—
—
apartment
1
1
791
$2,353
—
—
apartment
1
1
848
$2,339
—
—
apartment
1
1
793
$2,305
—
—
apartment
1
1
738
$2,334
—
—
apartment
1
1
773
$2,572
—
—
apartment
1
1
774
$2,442
—
—
apartment
1
1
825
$2,431
—
—
apartment
1
1
769
$2,546
—
—
apartment
1
1
735
$2,290
—
—
apartment
1
1
825
$2,501
—
—
apartment
1
1
825
$2,451
—
—
apartment
1
1
865
$2,597
—
—
apartment
1
1
799
$2,297
—
—
apartment
1
1
793
$2,472
—
—
apartment
1
1
799
$2,257
—
—
apartment
1
1
791
$2,223
—
—
apartment
1
1
830
$2,236
—
—
apartment
1
1
799
$2,532
—
—
apartment
1
1
735
$2,235
—
—
apartment
1
1
706
$2,394
—
—
apartment
1
1
848
$2,319
—
—
apartment
1
1
793
$2,312
—
—
apartment
1
1
738
$2,349
—
—
apartment
1
1
848
$2,369
—
—
apartment
1
1
695
$2,388
—
—
apartment
1
1
835
$2,481
—
—
apartment
1
1
765
$2,221
—
—
apartment
1
1
825
$2,541
—
—
apartment
1
1
900
$2,589
—
—
apartment
1
1
765
$2,216
—
—
apartment
1
1
765
$2,276
—
—
apartment
1
1
799
$2,263
—
—
apartment
1
1
793
$2,330
—
—
apartment
1
1
807
$2,734
—
—
apartment
1
1
892
$2,742
—
—
apartment
1
1
911
$2,833
—
—
apartment
1
1
755
$2,782
—
—
apartment
1
1
882
$2,751
—
—
apartment
1
1
825
$2,874
—
—
apartment
1
1
774
$2,766
—
—
apartment
1
1
825
$2,341
—
—
apartment
1
1
830
$2,261
—
—
apartment
1
1
765
$2,226
—
—
apartment
1
1
835
$2,451
—
—
apartment
1
1
799
$2,527
—
—
apartment
1
1
835
$2,441
—
—
apartment
1
1
772
$2,529
—
—
apartment
1
1
772
$2,540
—
—
apartment
1
1
835
$2,431
—
—
apartment
1
1
825
$2,511
—
—
apartment
1
1
905
$3,142
—
—
apartment
1
1
825
$2,421
—
—
apartment
1
1
720
$2,250
2026-08-07
—
condos
1
1
641
$2,350
2026-08-30
—
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.