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
$665,000
Down payment (20.0%)
$133,000
Loan amount
$532,000
Closing costs (5.0%)
$33,250
Total cash to close
$166,250
Income
Rent (comp-derived)
$3,540$42,480
Vacancy loss (8.0%)
Effective gross income
$3,257$39,082
Operating expenses
Property tax (placeholder 1.9% of price)
$1,053$12,635
Insurance (est. scaled by flood & wind risk)
$665$7,980
HOA dues
$146$1,752
Management (0.0% of EGI)
$0$0
Maintenance (5.0% of GSR)
$177$2,124
Total operating expenses
$2,041$24,491
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)
$177$2,124
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
single_family
3
2
1,547
$3,195
—
—
single_family
3
2
1,914
$3,165
—
—
single_family
3
2
1,934
$3,315
—
—
single_family
3
2
1,582
$3,890
2026-08-22
—
single_family
3
2
1,760
$3,540
—
—
single_family
3
2
1,719
$3,200
2026-04-14
—
single_family
3
2
1,328
$3,300
2026-08-05
—
single_family
3
2
1,147
$4,500
2026-08-24
—
single_family
3
3
1,660
$3,200
2026-08-25
—
single_family
3
2
2,221
$3,600
2026-06-22
—
single_family
3
2
1,698
$3,800
2026-03-11
—
single_family
3
2
1,445
$3,650
2026-07-29
—
single_family
3
2
1,359
$3,500
2026-07-20
—
single_family
3
2
1,277
$3,700
2026-03-11
—
single_family
3
2
1,612
$3,850
2026-07-21
—
single_family
3
3
1,425
$3,900
2026-07-09
—
single_family
3
2
1,147
$4,500
—
—
single_family
3
3
1,854
$3,500
—
—
single_family
3
2
1,245
$2,800
—
—
single_family
3
2
1,450
$3,199
—
—
single_family
3
3
1,500
$2,900
—
—
single_family
3
3
1,520
$3,200
—
—
single_family
3
3
1,697
$3,600
—
—
single_family
3
3
2,144
$4,100
—
—
single_family
3
2
1,832
$4,290
2026-08-31
—
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.