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
$259,000
Down payment (20.0%)
$51,800
Loan amount
$207,200
Closing costs (5.0%)
$12,950
Total cash to close
$64,750
Income
Rent (comp-derived)
$2,425$29,100
Vacancy loss (8.0%)
Effective gross income
$2,231$26,772
Operating expenses
Property tax (placeholder 1.9% of price)
$410$4,921
Insurance (placeholder 0.8% of price)
$173$2,072
HOA dues
$537$6,444
Management (0.0% of EGI)
$0$0
Maintenance (5.0% of GSR)
$121$1,455
Total operating expenses
$1,241$14,892
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)
$121$1,455
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
3
1,334
$2,350
2025-11-19
—
townhomes
3
3
1,489
$2,800
2023-09-01
—
townhomes
3
3
1,169
$2,200
2026-04-01
—
townhomes
3
3
1,234
$2,000
2026-07-31
—
townhomes
3
3
1,325
$2,300
2026-08-19
—
townhomes
3
3
1,325
$1,975
2026-07-07
—
townhomes
3
3
1,584
$2,250
2026-05-15
—
townhomes
3
3
1,584
$2,250
2026-02-08
—
townhomes
3
3
1,564
$2,300
2026-06-17
—
townhomes
3
2
1,379
$2,200
2026-05-04
—
townhomes
3
3
1,393
$2,300
2026-07-17
—
townhomes
3
3
1,234
$2,250
2026-08-06
—
townhomes
3
3
1,393
$2,400
2026-08-27
—
townhomes
3
3
1,331
$2,600
2026-06-03
—
townhomes
3
3
1,328
$2,450
2026-08-21
—
townhomes
3
3
1,612
$2,300
2026-07-08
—
townhomes
3
3
1,428
$2,200
2026-07-31
—
townhomes
3
3
1,234
$2,150
2026-08-27
—
townhomes
3
3
1,428
$2,000
2026-06-01
—
townhomes
3
2
1,194
$2,050
2026-08-21
—
townhomes
3
4
1,628
$2,499
2026-07-31
—
townhomes
3
3
1,705
$2,400
2026-08-26
—
townhomes
3
3
1,512
$2,450
2026-06-18
—
townhomes
3
2
1,160
$2,200
2026-07-31
—
townhomes
3
2
1,200
$2,600
2026-08-26
—
townhomes
3
3
1,590
$2,500
2026-08-11
—
townhomes
3
3
1,379
$2,300
2026-07-15
—
townhomes
3
3
1,328
$2,400
2026-05-22
—
townhomes
3
3
1,432
$2,500
2026-07-30
—
townhomes
3
3
1,456
$2,495
2026-05-26
—
townhomes
3
3
1,379
$2,100
2026-06-16
—
townhomes
3
3
1,169
$2,380
2026-03-31
—
townhomes
3
3
1,509
$2,300
2026-05-26
—
townhomes
3
3
1,402
$2,500
2026-08-13
—
townhomes
3
3
1,169
$2,300
2026-08-19
—
townhomes
3
3
1,545
$2,300
2026-04-06
—
townhomes
3
3
1,442
$2,500
2026-07-20
—
townhomes
3
2
1,151
$2,400
2026-07-31
—
townhomes
3
3
1,642
$2,600
2025-10-01
—
townhomes
3
3
1,402
$2,600
2026-07-03
—
townhomes
3
3
1,328
$2,400
2026-07-07
—
townhomes
3
3
1,423
$2,500
2026-08-21
—
townhomes
3
3
1,565
$2,590
2026-08-24
—
townhomes
3
3
1,428
$2,500
2026-04-28
—
townhomes
3
3
1,328
$2,950
2026-07-30
—
townhomes
3
3
1,507
$2,600
2026-07-29
—
townhomes
3
3
1,483
$2,300
2026-07-30
—
townhomes
3
2
1,169
$2,200
2026-07-14
—
townhomes
3
3
1,328
$2,450
2026-08-12
—
townhomes
3
2
1,380
$2,800
2026-06-02
—
townhomes
3
2
1,427
$2,550
2026-06-19
—
townhomes
3
2
1,358
$2,500
2026-02-22
—
townhomes
3
3
1,628
$2,700
2026-07-30
—
townhomes
3
2
1,140
$2,200
2026-08-13
—
townhomes
3
3
1,325
$2,300
2026-04-02
—
townhomes
3
3
1,827
$2,800
2026-06-18
—
townhomes
3
2
1,140
$2,400
2026-07-28
—
townhomes
3
3
1,523
$2,400
2026-07-20
—
townhomes
3
3
1,612
$2,500
2026-07-24
—
townhomes
3
3
1,785
$2,650
2026-07-15
—
townhomes
3
3
1,612
$3,300
2026-07-22
—
townhomes
3
3
1,962
$2,900
2026-06-30
—
townhomes
3
3
1,907
$2,700
2026-05-19
—
townhomes
3
3
1,695
$3,300
2026-03-12
—
townhomes
3
3
1,847
$2,780
2026-04-17
—
townhomes
3
2
1,140
$2,800
2026-02-04
—
townhomes
3
3
1,695
$3,100
2026-07-06
—
townhomes
3
3
1,483
$3,300
2026-05-18
—
townhomes
3
3
1,550
$2,800
2024-10-16
—
townhomes
3
3
1,565
$3,500
2026-08-16
—
townhomes
3
3
1,365
$1,950
—
—
townhomes
3
2
1,169
$2,150
2026-06-02
—
townhomes
3
2
1,169
$2,000
2026-08-19
—
townhomes
3
3
1,790
$2,800
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.