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
$735,000
Down payment (20.0%)
$147,000
Loan amount
$588,000
Closing costs (5.0%)
$36,750
Total cash to close
$183,750
Income
Rent (comp-derived)
$4,000$48,000
Vacancy loss (8.0%)
Effective gross income
$3,680$44,160
Operating expenses
Property tax (placeholder 1.9% of price)
$1,164$13,965
Insurance (placeholder 0.8% of price)
$490$5,880
HOA dues
$595$7,140
Management (0.0% of EGI)
$0$0
Maintenance (5.0% of GSR)
$200$2,400
Total operating expenses
$2,449$29,385
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)
$200$2,400
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
2
2
880
$2,950
2026-08-18
—
condos
2
2
915
$5,500
2026-07-13
—
condos
2
2
1,084
$4,600
2026-06-05
—
condos
2
1
850
$14,000
2025-10-27
—
condos
2
2
960
$7,000
2023-03-12
—
condos
2
1
880
$5,500
2023-03-12
—
condos
2
2
960
$5,500
2023-03-10
—
condos
2
2
880
$7,500
2025-09-22
—
condos
2
2
880
$7,000
2023-02-26
—
condos
2
2
960
$12,000
2026-05-30
—
condos
2
1
880
$6,000
2023-08-02
—
condos
2
2
1,230
$12,000
2023-03-10
—
condos
2
2
880
$13,500
2026-04-20
—
apartment
2
1
900
$8,250
2026-03-26
—
condos
2
2
960
$8,000
2026-06-10
—
condos
2
2
752
$2,995
2026-07-30
—
apartment
2
2
820
$2,725
2026-06-29
—
apartment
2
2
1,200
$2,700
2026-07-21
—
apartment
2
2
620
$2,199
2026-05-06
—
condos
2
2
1,150
$2,960
2026-07-14
—
apartment
2
2
860
$3,500
2026-08-27
—
condos
2
1
655
$3,200
2026-08-26
—
condos
2
2
750
$2,900
2026-08-14
—
condos
2
2
920
$2,800
2026-07-09
—
condos
2
2
1,060
$5,500
2026-06-23
—
condos
2
2
1,015
$3,800
2026-08-28
—
condos
2
2
1,100
$3,200
2026-08-10
—
condos
2
1
750
$2,700
2026-08-20
—
condos
2
2
940
$6,000
2026-08-28
—
condos
2
2
970
$2,950
2026-04-24
—
condos
2
2
993
$3,295
2026-08-05
—
apartment
2
1
650
$2,750
2026-08-25
—
apartment
2
1
700
$2,500
2026-04-15
—
condos
2
1
620
$2,600
2026-08-25
—
condos
2
1
700
$2,450
2026-08-26
—
condos
2
2
940
$3,500
2026-08-15
—
condos
2
2
1,078
$5,200
2026-02-06
—
condos
2
2
806
$3,250
2026-08-05
—
condos
2
2
1,065
$3,000
2026-08-06
—
condos
2
2
1,065
$3,700
2026-08-19
—
condos
2
2
1,029
$3,400
2026-08-27
—
condos
2
1
620
$2,500
2026-07-13
—
condos
2
2
1,060
$4,500
2026-06-07
—
condos
2
2
1,226
$5,250
2025-12-15
—
condos
2
2
1,210
$7,950
2026-08-27
—
condos
2
2
1,073
$3,400
2026-07-03
—
condos
2
2
870
$3,500
2026-08-24
—
condos
2
2
1,194
$5,800
2026-08-25
—
condos
2
2
940
$3,750
2026-08-17
—
condos
2
2
985
$2,898
2026-06-02
—
condos
2
2
855
$2,800
2026-08-12
—
condos
2
2
1,190
$6,000
2026-03-24
—
condos
2
2
1,020
$3,950
2026-05-28
—
condos
2
2
1,100
$5,000
2026-07-23
—
condos
2
2
1,080
$6,000
2026-07-27
—
condos
2
2
710
$2,750
2026-08-18
—
condos
2
2
730
$3,000
2026-08-20
—
condos
2
1
620
$2,450
2025-06-21
—
condos
2
2
1,175
$4,450
2026-08-16
—
condos
2
2
1,100
$5,000
2026-08-24
—
apartment
2
1
850
$3,000
2026-08-08
—
condos
2
1
673
$2,450
2026-08-21
—
condos
2
2
920
$3,000
2026-06-08
—
apartment
2
2
750
$3,000
2026-06-16
—
condos
2
1
718
$2,700
2026-08-05
—
condos
2
2
880
$4,200
2026-05-14
—
condos
2
2
1,155
$6,250
2026-08-19
—
condos
2
2
940
$3,200
2026-08-11
—
condos
2
2
1,014
$4,500
2026-07-30
—
condos
2
2
940
$3,100
2026-05-19
—
condos
2
1
626
$3,300
2026-08-15
—
condos
2
2
874
$3,250
2026-07-20
—
condos
2
2
1,051
$3,950
2026-05-19
—
condos
2
2
1,127
$5,000
2026-08-18
—
condos
2
2
610
$2,550
2026-05-15
—
condos
2
2
946
$3,600
2026-06-23
—
condos
2
2
999
$3,650
2026-08-07
—
condos
2
2
990
$3,600
2026-05-21
—
apartment
2
1
1,075
$3,650
2026-08-18
—
condos
2
1
800
$2,650
2026-07-09
—
apartment
2
1
850
$2,900
2026-08-06
—
condos
2
2
890
$3,900
2026-05-29
—
condos
2
2
940
$3,000
2026-07-09
—
condos
2
2
940
$3,300
2026-07-16
—
condos
2
2
971
$5,000
2026-08-02
—
condos
2
2
1,087
$4,500
2026-03-06
—
condos
2
2
1,042
$8,900
2026-08-25
—
apartment
2
2
1,071
$5,000
2026-06-04
—
condos
2
2
1,088
$3,800
2026-08-05
—
apartment
2
1
700
$2,950
2026-04-15
—
condos
2
2
1,051
$3,950
2026-07-31
—
condos
2
1
659
$3,250
2026-07-22
—
condos
2
2
920
$3,500
2026-05-14
—
condos
2
3
1,120
$7,800
2026-06-17
—
condos
2
2
1,190
$5,500
2026-06-02
—
condos
2
2
780
$2,995
2026-06-26
—
condos
2
1
765
$2,900
2026-07-31
—
condos
2
2
760
$2,900
2026-02-17
—
condos
2
2
1,116
$4,750
2026-08-04
—
condos
2
2
1,072
$4,350
2026-03-11
—
apartment
2
2
1,000
$4,500
2026-08-09
—
condos
2
2
940
$3,650
2026-08-16
—
condos
2
2
1,130
$5,500
2025-06-23
—
condos
2
2
960
$3,600
2026-08-13
—
condos
2
2
1,190
$4,000
2026-07-08
—
condos
2
3
1,204
$5,650
2026-08-03
—
condos
2
2
1,020
$4,650
2026-05-12
—
condos
2
1
747
$4,900
2026-08-09
—
condos
2
2
940
$3,600
2026-07-27
—
condos
2
2
1,090
$8,000
2025-04-30
—
condos
2
2
1,088
$4,250
2024-08-04
—
apartment
2
2
650
$3,000
2026-06-08
—
condos
2
2
650
$3,000
2026-04-03
—
apartment
2
1
725
$2,875
2026-08-06
—
condos
2
2
826
$3,100
2026-06-03
—
apartment
2
2
720
$3,800
2026-07-29
—
condos
2
2
790
$3,500
2026-07-24
—
apartment
2
2
700
$2,900
2026-07-30
—
condos
2
2
865
$4,500
2022-07-10
—
condos
2
2
900
$3,400
2026-08-11
—
condos
2
2
643
$2,650
2026-04-23
—
apartment
2
2
766
$3,569
2025-07-29
—
condos
2
2
1,014
$4,300
2026-06-17
—
condos
2
2
1,190
$6,500
2026-01-21
—
condos
2
2
940
$3,990
2026-07-25
—
apartment
2
2
900
$4,200
2026-08-08
—
condos
2
2
1,077
$6,800
2026-08-12
—
condos
2
2
1,160
$8,800
2026-06-27
—
condos
2
2
1,070
$7,500
2026-05-04
—
condos
2
2
1,100
$5,200
2026-04-16
—
condos
2
2
860
$3,100
2026-08-04
—
condos
2
2
935
$4,000
2026-08-03
—
apartment
2
2
700
$2,900
2026-07-30
—
condos
2
3
1,218
$19,000
2026-08-07
—
condos
2
2
1,037
$10,500
2026-02-28
—
condos
2
1
616
$4,800
2026-03-20
—
condos
2
2
1,141
$47,750
2024-09-26
—
condos
2
2
1,045
$4,500
2026-08-11
—
condos
2
2
880
$5,000
2025-12-01
—
condos
2
1
655
$3,425
2026-05-08
—
condos
2
2
1,213
$32,000
2026-04-06
—
condos
2
2
1,077
$4,995
2026-05-20
—
condos
2
2
1,190
$4,500
2024-05-21
—
apartment
2
2
1,000
$4,500
2026-08-09
—
apartment
2
2
1,100
$4,000
2026-07-23
—
condos
2
2
1,123
$69,280
2026-07-03
—
condos
2
2
1,213
$30,000
2025-11-06
—
condos
2
2
1,170
$8,500
2026-06-17
—
condos
2
2
1,170
$7,500
2026-03-31
—
condos
2
2
1,213
$18,500
2021-10-15
—
condos
2
2
900
$5,500
2025-08-20
—
condos
2
2
820
$3,100
2026-07-14
—
condos
2
2
1,159
$51,250
2023-07-12
—
condos
2
3
1,121
$13,000
2023-04-27
—
condos
2
2
1,090
$10,200
2026-04-27
—
condos
2
2
1,190
$8,000
2026-02-17
—
condos
2
2
1,088
$6,000
2026-04-01
—
condos
2
2
1,087
$6,000
2025-07-02
—
condos
2
2
1,190
$8,000
2024-08-26
—
condos
2
2
1,150
$10,000
2026-04-20
—
condos
2
3
1,230
$38,500
2025-03-11
—
condos
2
2
1,190
$8,300
2025-11-18
—
condos
2
2
1,062
$5,850
2025-05-23
—
condos
2
2
1,230
$14,000
2026-08-06
—
condos
2
2
1,230
$27,500
2026-01-02
—
condos
2
2
900
$14,000
2026-02-24
—
condos
2
2
900
$12,500
2022-02-10
—
condos
2
2
960
$16,000
2026-05-15
—
condos
2
2
1,090
$8,200
2026-07-14
—
condos
2
2
1,180
$8,750
2026-01-03
—
condos
2
2
1,230
$9,000
2025-12-22
—
condos
2
2
1,198
$47,750
2021-10-15
—
condos
2
2
1,213
$32,000
2026-04-06
—
condos
2
2
1,198
$47,750
2026-05-22
—
condos
2
2
1,123
$39,500
2022-04-26
—
condos
2
2
1,104
$39,500
2024-05-24
—
condos
2
2
1,069
$5,450
2025-10-25
—
condos
2
2
1,130
$7,500
2026-06-03
—
condos
2
2
1,223
$9,000
2026-06-26
—
condos
2
2
1,230
$10,000
2024-12-27
—
condos
2
2
1,072
$6,000
2026-06-09
—
condos
2
2
1,170
$10,000
2023-02-10
—
condos
2
2
889
$20,000
2024-11-25
—
condos
2
2
1,141
$17,500
2026-05-29
—
condos
2
2
1,162
$27,000
2025-12-01
—
condos
2
2
1,058
$9,000
2026-06-22
—
apartment
2
2
960
$8,500
2022-06-11
—
apartment
2
2
1,130
$7,900
2024-04-29
—
condos
2
2
1,101
$8,000
2026-04-21
—
condos
2
1
700
$2,700
—
—
apartment
2
2
980
$2,600
2026-06-04
—
condos
2
2
1,147
$6,500
—
—
condos
2
1
1,000
$3,000
—
—
condos
2
2
830
$3,400
2026-08-23
—
apartment
2
2
1,100
$3,300
2026-08-28
—
apartment
2
2
1,200
$3,350
2026-08-28
—
apartment
2
2
1,200
$3,350
2026-08-28
—
apartment
2
1
1,000
$3,150
2026-02-18
—
condos
2
2
1,050
$4,500
—
—
condos
2
2
940
$3,500
—
—
condos
2
2
1,042
$8,900
—
—
condos
2
2
1,130
$5,900
—
—
condos
2
2
983
$3,400
2026-07-17
—
apartment
2
1
750
$2,650
—
—
condos
2
2
806
$3,250
—
—
condos
2
2
1,000
$3,600
—
—
condos
2
2
730
$3,000
—
—
condos
2
2
1,100
$4,250
—
—
condos
2
1
900
$2,995
—
—
apartment
2
2
836
$3,359
—
—
condos
2
2
790
$3,100
—
—
condos
2
2
960
$3,600
—
—
apartment
2
2
1,200
$3,350
2026-02-18
—
apartment
2
2
1,187
$5,500
—
—
condos
2
2
1,200
$4,850
2026-07-13
—
apartment
2
2
836
$3,359
—
—
apartment
2
2
766
$3,429
—
—
apartment
2
2
766
$3,429
—
—
condos
2
2
1,100
$4,000
—
—
apartment
2
2
721
$3,334
—
—
apartment
2
2
721
$3,289
—
—
apartment
2
2
721
$3,334
—
—
apartment
2
2
721
$3,289
—
—
apartment
2
1
760
$3,074
—
—
apartment
2
1
864
$3,620
—
—
condos
2
1
850
$12,500
—
—
apartment
2
2
710
$3,300
2024-09-16
—
condos
2
2
700
$3,500
2026-07-08
—
condos
2
1
1,069
$3,500
2026-07-08
—
condos
2
2
626
$2,500
2026-08-31
—
condos
2
2
1,190
$7,250
2026-08-31
—
apartment
2
1
600
$2,500
2026-08-31
—
condos
2
2
1,173
$6,900
2026-09-01
—
condos
2
2
1,100
$4,500
2026-09-01
—
apartment
2
2
1,100
$3,850
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.
