| Acquisition (one-time, not monthly/yearly) | |
| Purchase price | $479,000 |
| Down payment (20.0%) | $95,800 |
| Loan amount | $383,200 |
| Closing costs (5.0%) | $23,950 |
| Total cash to close | $119,750 |
| Income | |
| Rent (comp-derived) | $3,500$42,000 |
| Vacancy loss (8.0%) | |
| Effective gross income | $3,220$38,640 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $758$9,101 |
| Insurance (est. scaled by flood & wind risk) | $479$5,748 |
| HOA dues | $640$7,680 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $175$2,100 |
| Total operating expenses | $2,052$24,629 |
| 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) | $175$2,100 |
| Mortgage insurance (PMI) (0.0% of loan, not required — down payment ≥ 20%) | $0$0 |
| Cash flow |
Widened to city-wide. Real active rental listings, used to derive the rent estimate above.
| Address | Type | Beds | Baths | Sqft | Asking rent | Listed | Days on market |
|---|---|---|---|---|---|---|---|
| townhomes | 4 | 2 | 1,490 | $3,400 | 2026-08-18 | — | |
| townhomes | 4 | 3 | 1,985 | $3,500 | 2026-08-17 | — | |
| townhomes | 4 | 3 | 1,976 | $4,500 | 2026-08-13 | — | |
| townhomes | 4 | 3 | 1,708 | $3,600 | 2026-08-11 | — | |
| townhomes | 4 | 3 | 1,774 | $4,000 | 2026-08-06 | — | |
| townhomes | 4 | 3 | 1,475 | $3,200 | 2026-07-19 | — | |
| townhomes | 4 | 3 | 1,793 | $3,500 | 2026-07-17 | — | |
| townhomes | 4 | 2 | 1,848 | $3,950 | 2026-07-16 | — | |
| townhomes | 4 | 3 | 1,876 | $3,500 | 2026-05-22 | — | |
| townhomes | 4 | 3 | 1,793 | $3,595 | 2026-06-18 | — | |
| townhomes | 4 | 3 | 1,876 | $3,450 | 2026-06-10 | — | |
| townhomes | 4 | 3 | 1,870 | $3,500 | 2026-08-04 | — | |
| townhomes | 4 | 4 | 1,710 | $3,150 | 2026-07-30 | — | |
| townhomes | 4 | 3 | 1,827 | $3,350 | 2026-07-27 | — | |
| townhomes | 4 | 3 | 1,985 | $3,300 | 2026-08-24 | — | |
| townhomes | 4 | 3 | 1,899 | $3,500 | 2026-03-11 | — |
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 |
|---|---|---|---|---|---|---|
| 6250 SW 130th Ave Apt 702 | townhomes | 2 | 3 | 1,100 | $390,000 | 2026-08-24 |
| 8749 SW 137th Ave Unit 8749 | townhomes | 2 | 3 | 1,346 | $335,000 | 2026-08-21 |
| 13546 SW 63rd Ln Unit H-W | townhomes | 3 | 2 | 1,167 | $525,000 | 2026-08-10 |
| 13539 SW 62nd St Unit 128 | townhomes | 3 | 3 | 1,150 | $420,000 | 2026-08-03 |
| 13890 SW 64th St | townhomes | 2 | 3 | 1,200 | $445,000 | 2026-07-31 |
| 14357 SW 62nd St | townhomes | 3 | 2 | 1,934 | $525,000 | 2026-07-31 |
| 6725 SW 137th Ct Unit 14D | townhomes | 3 | 2 | 1,200 | $400,000 | 2026-07-29 |
| 5835 SW 144th Circle Pl | townhomes | 3 | 2 | 1,337 | $480,000 | 2026-07-20 |
| 14105 SW 66th St # 14105 | townhomes | 3 | 2 | 1,628 | $430,000 | 2026-07-15 |
| 13877 SW 62nd Ter | townhomes | 3 | 3 | 1,308 | $472,900 | 2026-07-10 |
| 13900 Kendale Lakes Dr | townhomes | 3 | 2 | 1,109 | $365,000 | 2026-07-07 |
| 14245 SW 57th Ln Unit 9-2 | townhomes | 3 | 3 | 1,515 | $435,000 | 2026-06-30 |
| 13501 SW 62nd St Unit 101 | townhomes | 2 | 3 | 1,334 | $400,000 | 2026-06-30 |
| 12849 SW 65th St | townhomes | 2 | 2 | 1,170 | $455,000 | 2026-06-26 |
| 13731 SW 84th St Unit C11 | townhomes | 2 | 3 | 1,395 | $335,000 | 2026-06-24 |
| 8769 SW 137th Ave Unit 8769 | townhomes | 2 | 3 | 1,346 | $262,000 | 2026-06-12 |
| 12853 SW 64th Ln | townhomes | 2 | 2 | 1,170 | $449,000 | 2026-06-12 |
| 14273 Kendale Lakes Cir | townhomes | 3 | 3 | 1,471 | $470,000 | 2026-06-12 |
| 13855 SW 64th St Unit 13855 | townhomes | 2 | 3 | 1,200 | $435,000 | 2026-06-11 |
| 6346 SW 136th Ct Unit 110H | townhomes | 2 | 3 | 1,340 | $376,000 | 2026-06-09 |
| 13446 SW 62nd St Unit 102E | townhomes | 2 | 3 | 1,160 | $409,900 | 2026-06-05 |
| 7027 SW 127th Ct | townhomes | 2 | 2 | 1,025 | $455,000 | 2026-06-03 |
| 5914 SW 133rd Ct | townhomes | 2 | 2 | 962 | $379,000 | 2026-05-28 |
| 14019 SW 67th Ter | townhomes | 3 | 3 | 1,592 | $520,000 | 2026-05-08 |
| 13916 SW 56th Ln | townhomes | 3 | 1 | 1,083 | $340,000 | 2026-04-30 |
| 14371 SW 62nd St | townhomes | 2 | 2 | 1,471 | $436,000 | 2026-04-21 |
| 11851 SW 80th Ter | townhomes | 4 | 3 | 2,152 | $570,000 | 2026-04-21 |
| 6374 SW 139th Ct | townhomes | 3 | 2 | 1,628 | $375,000 | 2026-04-21 |
| 6279 SW 128th Ct | townhomes | 2 | 3 | 1,170 | $424,999 | 2026-04-16 |
| 14371 Kendale Lakes Cir | townhomes | 3 | 3 | 1,471 | $436,000 | 2026-04-13 |
| 6400 SW 138th Ct Apt 203 | townhomes | 3 | 3 | 1,471 | $385,000 | 2026-03-31 |
| 6309 SW 138th Pl | townhomes | 2 | 3 | 1,308 | $409,500 | 2026-03-31 |
| 11964 SW 81st Ln | townhomes | 3 | 2 | 1,800 | $570,000 | 2026-03-25 |
| 13935 SW 84th St Unit 905 | townhomes | 3 | 3 | 1,510 | $345,000 | 2026-03-20 |
| 14205 SW 57th Ln Unit 5A | townhomes | 3 | 3 | 1,300 | $343,000 | 2026-03-06 |
| 13900 SW 65th Ter Unit 9 | townhomes | 2 | 2 | 896 | $300,000 | 2026-03-03 |
| 13270 SW 58th Ter Unit 9-5 | townhomes | 2 | 2 | 936 | $350,000 | 2026-02-28 |
| 13351 SW 59th Ter | townhomes | 3 | 3 | 1,360 | $415,000 | 2026-02-24 |
| 13915 SW 56th Ln | townhomes | 3 | 1 | 1,083 | $389,000 | 2026-02-18 |
| 6501 SW 136th Ct | townhomes | 3 | 2 | 1,800 | $560,000 | 2026-02-10 |
| 8317 SW 137th Ave Unit 8317 | townhomes | 2 | 3 | 1,346 | $360,000 | 2026-01-30 |
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 |
|---|---|---|---|---|---|---|
| 12019 SW 77th Ter | single_family | 4 | 4 | 3,129 | $1,549,000 | — |
| 13611 SW 77th St | single_family | 4 | 3 | 1,796 | $899,000 | — |
| 14359 Kendale Lakes Cir | townhomes | 4 | 3 | 1,934 | $459,777 | — |
| 5672 SW 130th Ave | single_family | 4 | 4 | 1,892 | $675,000 | — |
| 14011 SW 74th Ter | single_family | 4 | 2 | 1,873 | $939,900 | — |
| 12900 SW 81st St | single_family | 4 | 2 | 2,052 | $765,000 | — |
| 7450 SW 130th Ave | single_family | 4 | 3 | 2,003 | $715,000 | — |
| 13391 SW 78th St | single_family | 4 | 2 | 1,684 | $799,000 | — |
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $493,370 | $14,011 | -$17,640 | $379,045 | $114,325 |
| 2 | $508,171 | $14,554 | -$17,149 | $374,605 | $133,566 |
| 3 | $523,416 | $15,117 | -$16,640 | $369,860 | $153,556 |
| 4 | $539,119 | $15,700 | -$16,112 | $364,789 | $174,329 |
| 5 | $555,292 | $16,304 | -$15,565 | $359,370 | $195,922 |
| 6 | $571,951 | $16,929 | -$14,998 | $353,579 | $218,372 |
| 7 | $589,110 | $17,576 | -$14,410 | $347,390 | $241,719 |
| 8 | $606,783 | $18,246 | -$13,801 | $340,776 | $266,007 |
| 9 | $624,986 | $18,940 | -$13,169 | $333,708 | $291,278 |
| 10 | $643,736 | $19,658 | -$12,515 | $326,155 | $317,581 |