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
$465,000
Down payment (20.0%)
$93,000
Loan amount
$372,000
Closing costs (5.0%)
$23,250
Total cash to close
$116,250
Income
Rent (comp-derived)
$2,585$31,020
Vacancy loss (8.0%)
Effective gross income
$2,378$28,538
Operating expenses
Property tax (placeholder 1.9% of price)
$736$8,835
Insurance (est. scaled by flood & wind risk)
$465$5,580
HOA dues
$250$3,000
Management (0.0% of EGI)
$0$0
Maintenance (5.0% of GSR)
$129$1,551
Total operating expenses
$1,581$18,966
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)
$129$1,551
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
1
1
710
$2,000
2026-06-09
—
apartment
1
1
786
$2,585
—
—
apartment
1
1
786
$2,585
—
—
apartment
1
1
939
$2,910
—
—
apartment
1
1
696
$2,932
—
—
apartment
1
1
696
$3,088
—
—
apartment
1
1
696
$3,278
—
—
apartment
1
1
696
$3,088
—
—
apartment
1
1
899
$2,851
—
—
apartment
1
1
899
$2,806
—
—
apartment
1
1
899
$2,926
—
—
apartment
1
1
761
$2,639
—
—
apartment
1
1
749
$2,649
—
—
apartment
1
1
780
$2,845
—
—
apartment
1
1
696
$2,353
—
—
apartment
1
1
810
$2,200
2026-08-28
—
apartment
1
1
710
$1,750
2026-08-27
—
condos
1
1
810
$1,800
2026-08-27
—
condos
1
1
670
$2,800
2026-08-27
—
apartment
1
1
594
$2,253
2025-05-15
—
apartment
1
1
696
$2,329
2025-08-13
—
apartment
1
1
785
$2,815
2024-06-11
—
condos
1
1
560
$1,900
2026-07-22
—
apartment
1
1
700
$2,000
2026-08-04
—
apartment
1
1
520
$1,950
2024-08-24
—
condos
1
1
810
$2,000
2026-07-30
—
condos
1
1
710
$1,850
2026-08-20
—
condos
1
1
710
$2,000
2026-08-03
—
condos
1
1
810
$1,900
2026-05-11
—
apartment
1
1
780
$1,950
2026-08-03
—
condos
1
1
780
$1,990
2026-07-02
—
condos
1
1
810
$2,050
2026-07-08
—
condos
1
1
810
$1,800
2026-08-17
—
condos
1
1
810
$2,050
2026-08-24
—
condos
1
1
810
$2,000
2026-07-06
—
condos
1
1
780
$1,900
2026-08-19
—
apartment
1
1
604
$1,595
2026-07-08
—
condos
1
1
810
$2,100
2026-07-23
—
apartment
1
1
600
$1,700
2026-08-26
—
condos
1
1
710
$1,850
2026-08-19
—
condos
1
1
810
$1,800
2026-07-22
—
condos
1
1
810
$1,925
2026-04-08
—
condos
1
1
780
$1,900
2026-08-22
—
condos
1
1
810
$1,800
2026-07-22
—
condos
1
1
710
$1,795
2026-07-22
—
condos
1
1
810
$2,100
2026-08-25
—
apartment
1
1
810
$2,000
2026-08-06
—
condos
1
1
810
$2,100
2026-06-10
—
condos
1
1
780
$2,000
2026-05-04
—
condos
1
1
738
$2,550
2026-08-11
—
condos
1
1
810
$1,800
2026-08-17
—
condos
1
1
710
$2,050
2026-07-05
—
condos
1
1
780
$2,100
2026-04-22
—
condos
1
1
810
$1,890
2026-07-29
—
condos
1
1
810
$1,900
2026-08-17
—
condos
1
1
810
$2,150
2026-07-17
—
condos
1
1
780
$2,100
2026-04-07
—
condos
1
1
810
$2,000
2026-03-27
—
condos
1
1
780
$1,900
2026-08-07
—
condos
1
1
710
$2,100
2026-07-27
—
condos
1
1
777
$2,650
2026-08-07
—
condos
1
1
698
$2,700
2026-07-31
—
condos
1
1
780
$2,100
2026-08-12
—
condos
1
1
698
$2,750
2026-08-08
—
condos
1
1
810
$2,000
2026-05-18
—
condos
1
1
769
$2,900
2026-06-16
—
condos
1
1
686
$3,500
2026-06-03
—
condos
1
1
777
$2,900
2026-08-11
—
condos
1
1
778
$2,800
2026-07-20
—
condos
1
1
688
$2,700
2026-08-10
—
condos
1
1
686
$4,200
2026-07-22
—
condos
1
1
650
$3,800
2024-07-02
—
apartment
1
1
974
$3,435
2026-05-26
—
condos
1
1
698
$2,575
2026-07-06
—
apartment
1
1
696
$2,405
—
—
apartment
1
1
696
$2,369
—
—
apartment
1
1
899
$2,787
—
—
apartment
1
1
696
$2,773
—
—
apartment
1
1
753
$2,555
—
—
apartment
1
1
761
$2,649
—
—
apartment
1
1
909
$2,862
—
—
apartment
1
1
738
$2,259
—
—
apartment
1
1
939
$2,670
—
—
apartment
1
1
786
$2,670
—
—
apartment
1
1
780
$2,678
—
—
apartment
1
1
696
$2,697
—
—
apartment
1
1
786
$2,625
—
—
apartment
1
1
778
$2,663
—
—
apartment
1
1
778
$2,643
—
—
apartment
1
1
796
$2,664
—
—
apartment
1
1
796
$2,684
—
—
apartment
1
1
778
$2,653
—
—
apartment
1
1
723
$2,513
—
—
apartment
1
1
753
$2,565
—
—
apartment
1
1
733
$2,725
—
—
apartment
1
1
753
$2,595
—
—
apartment
1
1
723
$2,533
—
—
apartment
1
1
786
$2,725
—
—
apartment
1
1
786
$2,700
—
—
apartment
1
1
899
$2,851
—
—
apartment
1
1
786
$2,700
—
—
apartment
1
1
733
$2,765
—
—
apartment
1
1
787
$2,883
—
—
apartment
1
1
787
$2,898
—
—
apartment
1
1
861
$2,785
—
—
apartment
1
1
939
$2,880
—
—
apartment
1
1
861
$2,810
—
—
apartment
1
1
899
$2,792
—
—
apartment
1
1
899
$2,793
—
—
apartment
1
1
796
$2,754
—
—
apartment
1
1
787
$3,218
—
—
apartment
1
1
787
$3,118
—
—
apartment
1
1
650
$1,900
2023-12-15
—
condos
1
2
963
$3,200
2025-12-03
—
condos
1
1
777
$3,000
2026-09-01
—
condos
1
1
686
$2,700
2026-08-31
—
condos
1
1
738
$2,450
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.