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
$295,000
Down payment (20.0%)
$59,000
Loan amount
$236,000
Closing costs (5.0%)
$14,750
Total cash to close
$73,750
Income
Rent (comp-derived)
$2,450$29,400
Vacancy loss (8.0%)
Effective gross income
$2,254$27,048
Operating expenses
Property tax (placeholder 1.9% of price)
$467$5,605
Insurance (placeholder 0.8% of price)
$197$2,360
HOA dues
$557$6,684
Management (0.0% of EGI)
$0$0
Maintenance (5.0% of GSR)
$123$1,470
Total operating expenses
$1,343$16,119
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)
$123$1,470
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
townhomes
3
2
1,302
$1,950
2026-08-07
—
townhomes
3
3
1,442
$2,400
2026-07-20
—
townhomes
3
3
1,302
$2,100
2026-07-08
—
townhomes
3
3
1,331
$2,450
2026-07-21
—
townhomes
3
3
1,452
$2,200
2026-08-14
—
townhomes
3
3
1,452
$2,750
2026-08-28
—
townhomes
3
3
1,452
$2,000
2026-08-24
—
townhomes
3
3
1,423
$2,200
2026-05-14
—
townhomes
3
3
1,302
$2,250
2026-07-18
—
townhomes
3
3
1,423
$2,200
2026-06-12
—
townhomes
3
3
1,200
$2,200
2026-08-27
—
townhomes
3
2
1,125
$2,100
2026-05-13
—
townhomes
3
3
1,483
$2,450
2026-08-21
—
townhomes
3
3
1,423
$2,150
2026-07-24
—
townhomes
3
3
1,443
$2,550
2026-08-07
—
townhomes
3
3
1,452
$2,200
2026-07-21
—
townhomes
3
3
1,374
$2,300
2026-06-03
—
townhomes
3
3
1,334
$2,550
2026-04-07
—
townhomes
3
3
1,731
$2,549
2026-07-18
—
townhomes
3
3
1,423
$2,200
2026-05-12
—
townhomes
3
3
1,328
$2,500
2026-05-20
—
townhomes
3
3
1,448
$2,550
2026-07-14
—
townhomes
3
3
1,302
$2,400
2026-07-30
—
townhomes
3
3
1,612
$2,350
2026-05-02
—
townhomes
3
3
1,483
$2,400
2026-08-25
—
townhomes
3
3
1,414
$2,500
2026-02-06
—
townhomes
3
3
1,512
$2,200
2026-05-20
—
townhomes
3
3
1,442
$2,550
2026-06-17
—
townhomes
3
3
1,846
$2,350
2026-07-15
—
townhomes
3
3
1,302
$2,400
2026-06-11
—
townhomes
3
3
1,827
$2,695
2026-07-27
—
townhomes
3
3
1,393
$2,450
2026-08-21
—
townhomes
3
3
1,545
$2,300
2026-05-10
—
townhomes
3
3
1,704
$2,500
2026-06-04
—
townhomes
3
3
1,302
$2,200
2026-02-10
—
townhomes
3
3
1,732
$2,800
2026-07-20
—
townhomes
3
3
1,302
$2,500
2026-04-17
—
townhomes
3
3
1,393
$2,500
2026-07-10
—
townhomes
3
3
1,328
$2,450
2026-08-03
—
townhomes
3
3
1,302
$2,300
2026-08-11
—
townhomes
3
2
1,125
$2,300
2026-02-12
—
townhomes
3
3
1,483
$2,500
2026-08-12
—
townhomes
3
3
1,580
$2,470
2026-06-23
—
townhomes
3
3
1,328
$2,450
2026-07-27
—
townhomes
3
3
1,328
$2,295
2026-07-27
—
townhomes
3
3
1,483
$2,395
2026-05-22
—
townhomes
3
3
1,328
$2,400
2026-07-08
—
townhomes
3
3
1,393
$2,500
2026-08-03
—
townhomes
3
2
1,230
$2,200
2026-08-06
—
townhomes
3
3
1,302
$2,600
2026-08-20
—
townhomes
3
3
1,302
$2,400
2026-06-23
—
townhomes
3
2
1,302
$2,350
2026-08-04
—
townhomes
3
3
1,302
$2,350
2026-04-21
—
townhomes
3
3
1,302
$2,400
2026-04-12
—
townhomes
3
3
1,670
$2,499
2026-07-11
—
townhomes
3
3
1,827
$2,850
2026-06-17
—
townhomes
3
3
1,331
$2,700
2026-06-08
—
townhomes
3
3
1,393
$2,400
2026-07-09
—
townhomes
3
3
1,854
$2,650
2026-02-10
—
townhomes
3
3
1,545
$2,500
2026-08-03
—
townhomes
3
3
1,612
$3,000
2026-04-25
—
townhomes
3
3
1,331
$2,500
2026-04-01
—
townhomes
3
3
1,612
$2,600
2026-04-27
—
townhomes
3
3
1,695
$2,900
2026-05-26
—
townhomes
3
3
1,442
$2,650
2026-06-18
—
townhomes
3
3
1,302
$3,000
2026-08-10
—
townhomes
3
3
1,331
$2,600
2026-06-23
—
townhomes
3
3
1,431
$2,643
2026-06-17
—
townhomes
3
3
1,442
$2,800
2026-05-11
—
townhomes
3
3
1,328
$2,600
2026-03-19
—
townhomes
3
3
1,483
$3,250
2026-05-18
—
townhomes
3
3
1,334
$2,700
2026-06-10
—
townhomes
3
3
1,334
$2,700
2026-04-18
—
townhomes
3
3
1,331
$3,200
2025-12-04
—
townhomes
3
2
1,321
$2,500
2026-07-20
—
townhomes
3
3
1,695
$2,850
2026-05-04
—
townhomes
3
2
1,302
$2,450
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.