5525 NW 5th Ct

Miami, FL 33127 · single_family · For Sale · 6 days on market
Asking price$399,999
2 beds 1 baths 1,027 sqft
View on Realtor.com →
Listed by Madeline Espino · LPT Realty
Typesingle_family
Built1951
Price / sqft$389
Est. value (own analysis)$568,979
Rent estimate (own analysis)$2,750/mo
HOANone
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Neighborhood

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Statusfor_sale
Listed date2026-08-27
Removed date
MLSMiamiMLS #A12065786
Coordinates25.82646, -80.20456
Address5525 NW 5th Ct
CityMiami
StateFL
Zip33127
Listing ID5883599990
Sourceus-real-estate-listings, cached 2026-08-28

ZIP market snapshot (33127)

Typical home value (ZHVI)$528,160
Typical rent (ZORI)$2,975/mo
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)

Purchase price$399,999
Down payment (20.0%)$80,000
Loan amount$319,999
Closing costs (5.0%)$20,000
Total cash to close$100,000
Rent (comp-derived)$2,750$33,000
Vacancy loss (8.0%)

Vacancy Loss

Gross Scheduled Rent × Vacancy Rate

Gross scheduled rent (annual) comp$33,000
Vacancy rate (assumption) assumption8.0%

$33,000 × 8.0% = $2,640

Effective gross income$2,530$30,360
Property tax (placeholder 1.9% of price)$633$7,600
Insurance (placeholder 0.8% of price)$267$3,200
HOA dues$0$0
Management (0.0% of EGI)$0$0
Maintenance (5.0% of GSR)$138$1,650
Total operating expenses$1,038$12,450
Net operating income (NOI)

Net Operating Income (NOI)

Effective Gross Income − Total Operating Expenses

Effective gross income derived$30,360
Total operating expenses derived$12,450

$30,360 − $12,450 = $17,910

Debt service (6.66%, avg 30yr rate as of 2026-08-27, 30yr amortizing)

Monthly Principal & Interest

Standard amortization on the loan amount, at the effective rate and term

Loan amount derived$319,999
Interest rate (avg 30yr rate) comp6.7%
Term (assumption) assumption30 years

$319,999 amortized at 6.7% over 30 years = $2,056/mo

CapEx reserve (5.0% of GSR)$138$1,650
Mortgage insurance (PMI) (0.0% of loan, not required — down payment ≥ 20%)$0$0
Cash flow

Monthly Cash Flow

(NOI − Annual Debt Service − Annual CapEx Reserve − Annual PMI) ÷ 12

NOI derived$17,910
Annual debt service derived$24,677
Annual CapEx reserve assumption$1,650
Annual PMI assumption$0

($17,910 − $24,677 − $1,650 − $0) ÷ 12 = -$701

Cap rate

Cap Rate

NOI ÷ Purchase Price

NOI derived$17,910
Purchase price data$399,999

$17,910 ÷ $399,999 = 4.5%

Cash-on-cash

Cash-on-Cash Return

Annual Cash Flow ÷ Total Cash Invested

Annual cash flow derived-$8,417
Total cash to close derived$100,000

-$8,417 ÷ $100,000 = -8.4%

DSCR

Debt Service Coverage Ratio (DSCR)

NOI ÷ Annual Debt Service

NOI derived$17,910
Annual debt service derived$24,677

$17,910 ÷ $24,677 = 0.73

Rent-to-price (1% rule)

Rent-to-Price (the "1% rule")

(Gross Scheduled Rent ÷ 12) ÷ Purchase Price

Gross scheduled rent (annual) comp$33,000
Purchase price data$399,999

($33,000 ÷ 12) ÷ $399,999 = 0.7%

Gross rent multiplier

Gross Rent Multiplier (GRM)

Purchase Price ÷ Gross Scheduled Rent

Purchase price data$399,999
Gross scheduled rent (annual) comp$33,000

$399,999 ÷ $33,000 = 12.1

Operating expense ratio

Operating Expense Ratio

Total Operating Expenses ÷ Effective Gross Income

Total operating expenses derived$12,450
Effective gross income derived$30,360

$12,450 ÷ $30,360 = 41.0%

Break-even occupancy

Break-Even Occupancy

(Total OpEx + Annual Debt Service + Annual PMI) ÷ Gross Scheduled Rent

Total operating expenses derived$12,450
Annual debt service derived$24,677
Annual PMI assumption$0
Gross scheduled rent (annual) comp$33,000

($12,450 + $24,677 + $0) ÷ $33,000 = 112.5%

Comparables

Same ZIP. Real active rental listings, used to derive the rent estimate above.

AddressTypeBedsBathsSqftAsking rentListedDays on market
single_family21824$2,6952026-07-20
single_family22820$2,4002026-06-29
single_family211,050$2,7002026-05-29
single_family23805$3,3502026-05-25
single_family21850$2,7502026-07-31
single_family22725$3,4992026-04-23
single_family221,300$4,100

1114 NW 59th St

Miami, 33127 · rent comp

Bedrooms / bathrooms2 bd / 1 ba
Square footage824
Listed2026-07-20
Days on market

Asking rent: $2,695

View on Zillow →

5646 NW 3rd Ave Unit 1

Miami, 33127 · rent comp

Bedrooms / bathrooms2 bd / 2 ba
Square footage820
Listed2026-06-29
Days on market

Asking rent: $2,400

View on Zillow →

560 NW 53rd St

Miami, 33127 · rent comp

Bedrooms / bathrooms2 bd / 1 ba
Square footage1,050
Listed2026-05-29
Days on market

Asking rent: $2,700

View on Zillow →

247 NW 58th St

Miami, 33127 · rent comp

Bedrooms / bathrooms2 bd / 3 ba
Square footage805
Listed2026-05-25
Days on market

Asking rent: $3,350

View on Zillow →

161 NW 41st St

Miami, 33127 · rent comp

Bedrooms / bathrooms2 bd / 1 ba
Square footage850
Listed2026-07-31
Days on market

Asking rent: $2,750

View on Zillow →

18 NW 57th St

Miami, 33127 · rent comp

Bedrooms / bathrooms2 bd / 2 ba
Square footage725
Listed2026-04-23
Days on market

Asking rent: $3,499

View on Zillow →

360 NW 40th St

Miami, 33127 · rent comp

Bedrooms / bathrooms2 bd / 2 ba
Square footage1,300
Listed
Days on market

Asking rent: $4,100

View on Zillow →

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.

AddressTypeBedsBathsLiving sqftSale priceSale date
1139 NW 37th Stsingle_family211,004$520,0002026-08-24
1176 NW 32nd Stsingle_family211,400$155,0002026-08-02
126 NW 33rd Stsingle_family211,822$1,250,0002026-07-21
344 NW 41st Stsingle_family21927$610,0002026-07-08
286 NW 57th Stsingle_family221,717$450,0002026-06-23
598 NW 53rd Stsingle_family21948$550,0002026-06-16
315 NW 53rd Stsingle_family21961$600,0002026-06-16
1090 NW 39th Stsingle_family211,389$465,0002026-06-11
4711 NW 11th Avesingle_family211,222$560,0002026-06-03
85 NW 47th Stsingle_family211,200$844,0002026-05-20
260 NW 34th Stsingle_family21984$750,0002026-05-18
276 NW 40th Stsingle_family211,682$700,0002026-05-18
446 NW 45th Stsingle_family221,169$555,0002026-05-14
578 NW 48th Stsingle_family211,026$713,0002026-05-04
5555 N Miami Avesingle_family211,086$500,0002026-05-04
10 NW 51st Stsingle_family211,232$672,0002026-05-01
246 NW 39th Stsingle_family22776$500,0002026-04-30
272 NW 42nd Stsingle_family21977$745,0002026-04-30
1121 NW 56th Stsingle_family211,261$375,0002026-04-27
260 NW 43rd Stsingle_family21958$750,0002026-04-22
268 NW 48th Stsingle_family23$950,0002026-04-14
585 NW 35th Stsingle_family221,042$6,167,0002026-04-08
500 NW 46th Stsingle_family211,098$594,0002026-04-07
1045 NW 52nd Stsingle_family211,507$550,0002026-03-30
307 NW 37th Stsingle_family211,435$1,099,0002026-03-26
85 NW 52nd Stsingle_family21804$590,0002026-03-19
349 NW 46th Stsingle_family211,380$665,0002026-03-11
819 NW 47th Stsingle_family211,090$405,0002026-03-02
85 NW 47th Tersingle_family211,316$830,0002026-02-04
118 NW 44th Stsingle_family221,329$775,0002026-01-30
4921 NW 6th Avesingle_family211,267$850,0002026-01-15
1065 NW 50th Stsingle_family211,064$548,4002026-01-12
4765 N Miami Avesingle_family221,259$828,0002026-01-09
524 NW 44th Stsingle_family211,534$970,0002025-12-24
299 NW 43rd Stsingle_family221,086$600,0002025-12-15
64 NW 52nd Stsingle_family211,601$820,0002025-11-24
5636 NW 4th Avesingle_family21984$550,0002025-11-18
2025 NW 6th Plsingle_family21956$250,0002025-11-12
47 NW 49th Stsingle_family211,715$650,0002025-11-06
5108 NW 3rd Avesingle_family21936$520,0002025-10-27
3500 NW 12th Avesingle_family211,188$750,0002025-10-20
350 NW 45th Stsingle_family211,571$552,9392025-10-15
1018 NW 26th Stsingle_family21893$450,0002025-09-15
3125 NW 3rd Avesingle_family211,674$1,100,0002025-09-11
934 NW 45th Stsingle_family211,249$490,0002025-09-03

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.

AddressTypeBedsBathsSqftAsking priceDays on market
1075 NW 28th Stmulti_family221,266$525,000
2700 NW 2nd Ave Unit 442condos22$1,300,000
21 NW 61st Stsingle_family21972$550,000
266 NW 32nd Stsingle_family211,343$1,200,000
2700 NW 2nd Ave Unit 422condos22830$1,790,000
270-272 NW 35th Stmulti_family22900$900,000
1114 NW 59th Stsingle_family21824$424,900
2700 NW 2nd Ave Unit 743condos22840$1,275,900

10-year hold projection

IRR4.8%
Equity multiple1.76x
Total return (10yr)$128,510
YearProperty valueNOICash flowLoan balanceEquity
1$411,999$17,910-$8,417$316,530$95,469
2$424,359$18,510-$7,858$312,822$111,537
3$437,090$19,129-$7,282$308,860$128,230
4$450,202$19,768-$6,686$304,625$145,577
5$463,708$20,428-$6,070$300,100$163,609
6$477,620$21,110-$5,434$295,264$182,356
7$491,948$21,813-$4,777$290,096$201,852
8$506,707$22,540-$4,098$284,573$222,134
9$521,908$23,290-$3,397$278,671$243,237
10$537,565$24,065-$2,673$272,363$265,202
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.
All figures are estimates for evaluation purposes only, not investment, tax, legal, or insurance advice. Property tax is estimated from a real matched tax bill or millage rate when available, a placeholder % of price otherwise; insurance is scaled by flood and wind risk where those are known and a flat percentage otherwise — never a real quote. Verify all of them, along with association restrictions and permit status, before committing capital. Rent estimates come from real comps or Zillow’s ZIP index, not appraisals.