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
$375,000
Down payment (20.0%)
$75,000
Loan amount
$300,000
Closing costs (5.0%)
$18,750
Total cash to close
$93,750
Income
Rent (comp-derived)
$2,541$30,492
Vacancy loss (8.0%)
Effective gross income
$2,338$28,053
Operating expenses
Property tax (placeholder 1.9% of price)
$594$7,125
Insurance (est. scaled by flood & wind risk)
$438$5,250
HOA dues
$1,210$14,520
Management (0.0% of EGI)
$0$0
Maintenance (5.0% of GSR)
$127$1,525
Total operating expenses
$2,368$28,420
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)
$127$1,525
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
1,000
$2,300
2022-06-14
—
apartment
1
1
800
$2,400
2023-02-16
—
condos
1
2
765
$2,349
—
—
apartment
1
1
700
$1,900
—
—
apartment
1
1
890
$1,900
2025-07-23
—
apartment
1
1
737
$2,287
2025-08-13
—
condos
1
1
694
$1,550
2025-05-09
—
apartment
1
1
725
$1,450
2026-07-01
—
apartment
1
1
700
$1,475
2026-07-24
—
apartment
1
2
808
$4,300
2026-08-03
—
condos
1
2
910
$2,550
2026-06-10
—
apartment
1
1
850
$1,699
2026-07-27
—
condos
1
1
922
$2,200
2026-05-15
—
condos
1
2
805
$1,850
2026-08-24
—
apartment
1
1
850
$1,749
2026-08-04
—
condos
1
2
800
$2,100
2026-07-09
—
condos
1
1
940
$2,050
2026-07-18
—
condos
1
1
722
$2,000
2026-08-28
—
condos
1
1
940
$2,100
2026-08-10
—
apartment
1
1
700
$1,950
2026-08-24
—
condos
1
1
825
$2,500
2026-08-27
—
condos
1
1
738
$1,650
2026-08-07
—
apartment
1
1
740
$2,000
2026-07-16
—
apartment
1
1
780
$1,750
2025-11-18
—
apartment
1
1
780
$1,775
2026-08-28
—
apartment
1
1
850
$1,700
2026-08-31
—
condos
1
2
1,057
$2,650
2026-08-13
—
condos
1
1
727
$2,100
2026-08-05
—
condos
1
2
825
$2,300
2026-07-03
—
condos
1
1
924
$2,700
2026-08-05
—
apartment
1
1
800
$1,950
2026-08-15
—
apartment
1
2
780
$2,150
2026-08-28
—
apartment
1
1
950
$2,150
2026-02-02
—
apartment
1
1
1,235
$2,660
2026-08-28
—
condos
1
2
864
$2,200
2026-08-18
—
apartment
1
1
800
$2,100
2026-05-16
—
condos
1
2
1,003
$4,800
2026-08-23
—
condos
1
1
695
$1,625
2026-06-19
—
condos
1
2
920
$5,600
2026-08-27
—
condos
1
1
898
$2,300
2026-07-24
—
condos
1
2
800
$2,100
2026-08-25
—
condos
1
1
808
$1,900
2026-04-24
—
apartment
1
1
1,000
$2,100
2026-08-25
—
condos
1
2
920
$7,500
2026-08-28
—
condos
1
1
666
$1,800
2026-06-24
—
apartment
1
2
900
$2,800
2026-06-22
—
condos
1
1
1,030
$2,600
2026-08-22
—
condos
1
2
864
$2,450
2026-08-06
—
condos
1
1
750
$2,300
2026-08-13
—
condos
1
2
910
$2,700
2026-08-21
—
condos
1
1
817
$2,100
2026-06-17
—
apartment
1
1
700
$1,900
2026-08-07
—
condos
1
1
940
$2,100
2026-04-14
—
condos
1
2
730
$2,150
2026-06-19
—
condos
1
2
1,151
$5,500
2026-04-29
—
apartment
1
1
800
$1,900
2026-07-22
—
apartment
1
1
800
$2,000
2026-08-14
—
condos
1
2
686
$2,100
2026-08-18
—
condos
1
1
678
$2,450
2026-08-19
—
condos
1
1
663
$2,000
2026-08-20
—
condos
1
1
700
$1,800
2026-08-11
—
apartment
1
1
825
$2,300
2026-08-16
—
apartment
1
1
857
$1,750
2026-07-30
—
condos
1
1
683
$3,300
2026-04-19
—
condos
1
1
750
$2,100
2026-05-15
—
apartment
1
1
700
$2,050
2026-06-10
—
apartment
1
1
940
$2,400
2025-12-03
—
condos
1
1
683
$5,000
2026-08-25
—
condos
1
1
705
$2,250
2026-08-20
—
condos
1
2
920
$2,800
2026-03-18
—
apartment
1
1
940
$2,400
2026-08-01
—
apartment
1
1
710
$1,650
2026-08-02
—
condos
1
1
660
$1,975
2026-07-22
—
apartment
1
1
780
$1,895
2026-06-10
—
condos
1
1
740
$2,050
2026-07-31
—
condos
1
1
745
$2,300
2026-08-12
—
condos
1
1
825
$2,200
2026-07-15
—
condos
1
1
690
$2,000
2026-08-12
—
condos
1
1
695
$1,675
2026-07-30
—
condos
1
2
784
$1,850
2026-08-20
—
apartment
1
1
898
$2,500
2026-07-16
—
condos
1
1
825
$2,350
2026-08-03
—
condos
1
2
808
$4,200
2026-07-24
—
condos
1
1
683
$3,500
2026-07-10
—
condos
1
2
843
$1,950
2026-07-14
—
condos
1
1
683
$4,000
2026-07-30
—
condos
1
2
808
$3,600
2026-07-15
—
condos
1
2
939
$2,800
2026-07-13
—
condos
1
1
738
$2,300
2026-08-13
—
condos
1
2
808
$4,000
2026-04-24
—
condos
1
1
825
$2,200
2026-07-24
—
condos
1
1
695
$1,650
2026-03-11
—
condos
1
1
952
$3,000
2026-05-26
—
apartment
1
1
950
$2,150
2026-06-03
—
condos
1
1
717
$4,300
2026-03-16
—
condos
1
1
770
$1,790
2026-07-27
—
condos
1
2
910
$3,500
2026-08-18
—
condos
1
2
819
$3,500
2026-05-14
—
condos
1
2
905
$2,350
2026-05-08
—
condos
1
2
760
$3,000
2026-07-10
—
condos
1
2
808
$4,500
2026-08-18
—
condos
1
2
819
$4,700
2026-04-23
—
condos
1
1
656
$2,400
2026-08-04
—
condos
1
2
819
$3,750
2026-08-07
—
condos
1
2
667
$4,700
2026-04-07
—
condos
1
1
825
$2,300
2026-06-26
—
condos
1
1
695
$1,800
2026-05-11
—
condos
1
1
680
$2,000
2026-08-17
—
condos
1
1
683
$4,500
2026-04-14
—
apartment
1
2
730
$2,290
2026-08-03
—
condos
1
2
900
$2,950
2026-08-19
—
condos
1
1
692
$1,800
2026-06-05
—
condos
1
2
1,109
$3,490
2026-07-25
—
condos
1
2
672
$1,800
2026-07-03
—
condos
1
2
1,010
$2,800
2026-03-27
—
apartment
1
1
700
$1,675
2026-06-26
—
condos
1
1
825
$2,200
2026-08-05
—
condos
1
1
741
$1,800
2026-06-22
—
condos
1
1
952
$4,500
2026-06-02
—
apartment
1
1
683
$3,750
2026-08-11
—
condos
1
2
730
$2,200
2026-06-23
—
condos
1
2
1,003
$2,850
2026-03-20
—
apartment
1
1
750
$2,000
2026-03-26
—
condos
1
1
670
$1,999
2026-07-14
—
condos
1
1
695
$1,950
2026-07-28
—
condos
1
1
730
$1,995
2025-09-15
—
condos
1
2
808
$3,000
2026-06-22
—
condos
1
2
910
$2,700
2026-05-20
—
condos
1
2
910
$3,500
2026-03-22
—
condos
1
2
808
$3,200
2026-07-07
—
condos
1
2
1,151
$5,500
2025-08-06
—
condos
1
2
910
$2,850
2026-08-02
—
condos
1
2
808
$5,300
2026-07-10
—
condos
1
2
910
$2,800
2025-08-11
—
apartment
1
1
820
$2,200
2026-05-29
—
condos
1
2
819
$5,500
2026-02-03
—
condos
1
2
809
$3,600
2026-05-11
—
condos
1
2
910
$2,800
2026-07-31
—
condos
1
2
819
$4,499
2026-04-11
—
apartment
1
1
800
$2,400
2026-05-31
—
condos
1
2
981
$2,700
2026-07-15
—
condos
1
1
683
$5,000
2024-07-08
—
condos
1
2
912
$2,850
2026-06-19
—
condos
1
2
912
$2,880
2026-05-08
—
condos
1
2
828
$3,000
2026-07-18
—
condos
1
1
760
$2,800
2026-07-24
—
condos
1
2
910
$3,500
2024-04-12
—
condos
1
2
1,006
$3,000
2026-07-08
—
condos
1
2
920
$6,300
2026-03-12
—
condos
1
2
808
$3,500
2026-01-28
—
condos
1
2
806
$3,000
2026-05-27
—
condos
1
2
808
$5,500
2025-01-10
—
apartment
1
2
698
$3,750
2026-05-20
—
condos
1
2
819
$4,000
2025-08-28
—
condos
1
1
662
$9,000
2026-06-11
—
condos
1
2
1,151
$5,500
2025-11-30
—
condos
1
2
1,052
$4,500
2026-06-22
—
condos
1
1
952
$3,500
2026-07-22
—
condos
1
2
812
$4,500
2026-08-05
—
condos
1
2
840
$3,400
2026-08-05
—
condos
1
2
812
$3,500
2025-11-21
—
condos
1
2
812
$4,500
2026-05-30
—
condos
1
2
943
$4,500
2026-05-01
—
condos
1
1
820
$5,500
2026-07-27
—
apartment
1
2
808
$3,800
2026-04-13
—
condos
1
1
820
$6,500
2026-07-27
—
condos
1
1
800
$6,700
2026-03-16
—
condos
1
1
662
$6,000
2023-03-15
—
condos
1
2
819
$5,000
2026-06-10
—
condos
1
1
662
$4,500
2026-02-27
—
condos
1
1
772
$5,000
2026-06-02
—
condos
1
2
818
$4,900
2026-05-07
—
condos
1
1
720
$8,900
2026-08-19
—
condos
1
1
757
$5,000
2026-06-04
—
condos
1
1
662
$7,500
2026-06-11
—
condos
1
2
890
$6,700
2026-07-22
—
condos
1
1
662
$5,950
2026-05-01
—
condos
1
2
842
$10,000
2026-07-31
—
condos
1
1
720
$10,000
2025-11-26
—
apartment
1
1
662
$6,750
2026-07-22
—
apartment
1
1
792
$2,100
—
—
apartment
1
1
940
$2,175
—
—
apartment
1
2
751
$2,302
—
—
apartment
1
1
925
$2,810
—
—
apartment
1
1
925
$2,800
—
—
apartment
1
1
700
$1,800
—
—
condos
1
1
790
$2,800
2026-08-24
—
apartment
1
1
710
$2,150
—
—
apartment
1
2
805
$2,150
—
—
condos
1
1
720
$10,000
—
—
apartment
1
1
790
$1,950
2026-08-04
—
apartment
1
1
925
$2,270
—
—
apartment
1
1
670
$1,800
—
—
condos
1
2
780
$2,300
2026-07-09
—
condos
1
1
683
$4,000
—
—
apartment
1
1
670
$2,300
—
—
apartment
1
1
925
$2,270
2025-06-06
—
condos
1
1
683
$3,300
—
—
condos
1
1
683
$5,000
—
—
apartment
1
1
789
$3,408
—
—
apartment
1
2
744
$2,282
—
—
apartment
1
2
751
$2,400
—
—
apartment
1
2
744
$2,367
—
—
apartment
1
2
737
$2,397
—
—
condos
1
2
842
$10,000
—
—
condos
1
2
840
$3,400
—
—
apartment
1
2
741
$2,532
—
—
apartment
1
1
925
$2,740
—
—
apartment
1
1
821
$3,049
—
—
apartment
1
1
789
$3,138
—
—
apartment
1
1
789
$3,067
—
—
condos
1
1
850
$6,250
—
—
condos
1
1
763
$4,000
2026-08-29
—
condos
1
2
800
$2,450
2026-08-30
—
condos
1
1
662
$7,000
2026-08-31
—
apartment
1
1
800
$2,100
2026-08-31
—
condos
1
1
940
$2,550
2026-08-31
—
condos
1
2
1,136
$3,300
2026-08-31
—
condos
1
1
932
$3,500
2026-08-31
—
apartment
1
1
762
$2,000
2026-09-02
—
apartment
1
2
750
$2,250
2026-09-01
—
condos
1
2
881
$3,900
2026-09-01
—
condos
1
2
1,136
$2,850
2026-09-01
—
condos
1
2
812
$3,800
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.