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
$310,000
Down payment (20.0%)
$62,000
Loan amount
$248,000
Closing costs (5.0%)
$15,500
Total cash to close
$77,500
Income
Rent (comp-derived)
$2,760$33,114
Vacancy loss (8.0%)
Effective gross income
$2,539$30,465
Operating expenses
Property tax (placeholder 1.9% of price)
$491$5,890
Insurance (placeholder 0.8% of price)
$207$2,480
HOA dues
$828$9,936
Management (0.0% of EGI)
$0$0
Maintenance (5.0% of GSR)
$138$1,656
Total operating expenses
$1,663$19,962
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)
$138$1,656
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
2
2
975
$2,550
2026-05-20
—
apartment
2
2
975
$2,550
2026-03-15
—
apartment
2
2
1,085
$1,975
2026-07-13
—
condos
2
1
768
$1,800
2026-01-30
—
condos
2
2
1,050
$2,695
2026-07-28
—
condos
2
2
872
$2,340
2026-07-30
—
condos
2
2
1,024
$2,850
2026-08-27
—
condos
2
2
1,027
$2,000
2026-05-21
—
condos
2
2
1,200
$2,300
2026-08-26
—
condos
2
2
1,025
$2,200
2026-04-10
—
condos
2
2
1,012
$2,000
2026-07-22
—
condos
2
2
1,087
$2,850
2026-08-27
—
condos
2
2
894
$2,200
2026-06-05
—
condos
2
2
1,191
$3,000
2025-06-12
—
condos
2
2
1,077
$2,950
2026-08-27
—
condos
2
1
1,000
$1,650
2026-08-25
—
condos
2
2
1,050
$2,937
2026-08-26
—
condos
2
2
894
$2,200
2026-03-16
—
condos
2
2
1,058
$2,500
2026-08-21
—
condos
2
2
1,008
$2,550
2026-08-25
—
condos
2
2
1,133
$2,200
2026-02-03
—
condos
2
2
1,027
$2,300
2026-06-18
—
condos
2
2
1,031
$2,300
2026-06-08
—
condos
2
2
1,104
$2,500
2026-08-27
—
condos
2
2
740
$2,400
2026-08-19
—
apartment
2
2
1,040
$2,300
2026-08-26
—
condos
2
2
909
$2,190
2026-08-21
—
apartment
2
1
819
$2,800
2026-08-24
—
apartment
2
1
1,072
$1,800
2026-07-17
—
condos
2
2
1,178
$2,500
2026-08-24
—
condos
2
3
1,200
$3,000
2026-04-23
—
condos
2
2
1,060
$3,000
2026-06-12
—
condos
2
2
1,024
$2,590
2026-08-05
—
condos
2
1
880
$2,000
2026-05-26
—
condos
2
2
1,116
$2,750
2026-08-10
—
condos
2
2
1,133
$2,200
2026-01-02
—
condos
2
2
1,191
$2,600
2026-07-15
—
condos
2
2
1,116
$2,900
2026-07-16
—
condos
2
2
1,073
$2,390
2026-04-23
—
condos
2
2
1,042
$2,800
2026-08-12
—
condos
2
2
1,083
$2,300
2026-06-03
—
condos
2
2
988
$2,380
2026-08-01
—
condos
2
2
1,110
$2,000
2026-06-17
—
condos
2
2
807
$2,000
2025-07-02
—
condos
2
2
785
$2,400
2026-07-31
—
condos
2
2
1,140
$4,800
2026-08-19
—
condos
2
2
1,192
$15,000
2026-08-27
—
condos
2
2
785
$2,200
2026-07-20
—
condos
2
2
1,058
$2,350
2026-07-09
—
condos
2
2
1,087
$2,700
2026-07-05
—
condos
2
2
988
$2,400
2026-03-04
—
condos
2
2
1,116
$3,500
2026-08-14
—
condos
2
2
1,116
$2,800
2026-08-03
—
condos
2
2
1,094
$2,800
2025-01-07
—
condos
2
2
1,040
$2,150
2026-08-20
—
condos
2
2
1,083
$2,350
2026-07-17
—
condos
2
2
1,083
$2,100
2026-07-01
—
condos
2
2
1,000
$3,750
2026-03-11
—
condos
2
2
892
$2,450
2026-07-21
—
condos
2
2
988
$2,950
2026-08-06
—
condos
2
2
841
$2,000
2026-04-15
—
condos
2
3
902
$2,350
2026-06-10
—
condos
2
2
1,145
$2,500
2026-07-15
—
condos
2
2
1,042
$2,600
2026-08-16
—
condos
2
2
1,200
$2,450
2026-06-30
—
condos
2
2
1,104
$2,590
2026-03-11
—
condos
2
2
1,087
$2,450
2026-05-28
—
condos
2
2
1,024
$2,900
2026-08-19
—
condos
2
2
1,094
$2,500
2026-05-17
—
condos
2
2
902
$2,400
2026-05-03
—
condos
2
2
1,066
$3,000
2026-07-17
—
condos
2
2
1,050
$2,850
2026-04-11
—
condos
2
2
1,040
$2,500
2026-05-27
—
condos
2
2
1,094
$9,000
2026-03-30
—
condos
2
2
1,024
$2,900
2026-08-18
—
condos
2
2
990
$2,600
2026-06-17
—
condos
2
2
988
$2,600
2026-07-07
—
condos
2
2
1,077
$2,868
2026-08-15
—
condos
2
2
1,145
$2,200
2026-03-25
—
condos
2
2
894
$2,400
2026-05-16
—
condos
2
2
1,024
$2,900
2026-07-23
—
condos
2
2
862
$2,300
2026-07-22
—
condos
2
2
872
$2,450
2026-08-21
—
condos
2
2
767
$2,400
2024-09-20
—
condos
2
2
1,077
$2,754
2026-08-15
—
condos
2
2
1,200
$3,500
2026-06-17
—
condos
2
2
1,083
$2,300
2026-08-20
—
condos
2
2
1,120
$3,800
2026-06-18
—
apartment
2
1
890
$2,350
2026-06-23
—
apartment
2
2
1,110
$4,750
2026-05-23
—
condos
2
2
894
$2,650
2026-05-07
—
condos
2
2
1,120
$3,450
2026-08-01
—
condos
2
2
1,085
$2,600
2026-08-07
—
condos
2
2
894
$3,050
2026-06-10
—
condos
2
2
871
$2,100
2026-08-04
—
condos
2
2
767
$2,450
2026-06-17
—
condos
2
2
970
$2,500
2026-04-17
—
apartment
2
2
1,150
$4,500
2026-05-05
—
condos
2
2
858
$2,550
2026-08-02
—
condos
2
2
1,116
$3,200
2026-06-23
—
condos
2
2
1,058
$2,390
2026-07-21
—
condos
2
2
1,020
$2,300
2026-08-19
—
condos
2
2
1,200
$2,850
2026-04-16
—
condos
2
2
1,123
$3,900
2026-04-30
—
condos
2
2
1,110
$2,600
2026-08-08
—
condos
2
2
819
$2,350
2026-07-28
—
apartment
2
1
900
$2,500
2026-06-17
—
condos
2
2
1,058
$3,200
2026-04-20
—
condos
2
2
1,107
$4,000
2026-05-27
—
condos
2
2
1,073
$2,250
2026-04-16
—
condos
2
2
1,024
$2,850
2026-04-21
—
condos
2
2
1,190
$2,250
2026-06-11
—
condos
2
2
824
$2,200
2026-08-11
—
condos
2
2
988
$2,500
2026-03-23
—
apartment
2
2
1,191
$2,950
2026-07-06
—
condos
2
4
970
$2,500
2026-03-25
—
condos
2
2
1,191
$3,700
2026-07-16
—
condos
2
2
1,112
$2,300
2026-06-11
—
condos
2
2
1,100
$5,000
2025-11-06
—
condos
2
2
934
$2,600
2026-06-17
—
condos
2
2
1,031
$2,650
2026-06-07
—
condos
2
2
1,104
$2,750
2026-01-10
—
condos
2
2
1,200
$4,200
2025-01-20
—
condos
2
2
1,073
$2,700
2026-05-26
—
condos
2
2
740
$2,490
2026-06-17
—
condos
2
2
1,025
$2,350
2026-05-19
—
condos
2
2
1,008
$2,750
2026-07-21
—
condos
2
2
1,043
$2,950
2026-06-19
—
condos
2
2
1,143
$2,950
2026-06-17
—
condos
2
2
847
$2,500
2026-03-11
—
condos
2
1
907
$2,900
2026-04-28
—
condos
2
2
905
$2,700
2026-01-25
—
condos
2
2
1,191
$3,750
2025-11-05
—
condos
2
2
1,030
$3,250
2026-06-10
—
condos
2
2
1,116
$3,550
2026-06-03
—
condos
2
2
1,129
$4,275
2026-07-27
—
condos
2
2
943
$3,500
2026-08-16
—
condos
2
1
907
$2,600
2026-05-29
—
condos
2
2
1,116
$2,890
2026-05-08
—
condos
2
2
1,191
$3,250
2026-06-30
—
condos
2
2
1,141
$4,400
2026-06-19
—
condos
2
1
1,005
$3,600
2026-06-10
—
condos
2
2
1,024
$4,600
2026-08-05
—
condos
2
2
1,150
$4,700
2026-04-02
—
condos
2
2
1,191
$4,200
2023-05-10
—
condos
2
2
1,116
$4,500
2026-08-04
—
condos
2
2
1,077
$4,200
2026-03-11
—
condos
2
2
1,191
$4,800
2023-05-02
—
condos
2
1
1,005
$4,400
2024-10-17
—
condos
2
2
1,200
$4,100
2025-11-25
—
condos
2
2
1,024
$4,300
2024-03-28
—
condos
2
2
1,005
$4,500
2024-10-17
—
condos
2
2
1,191
$4,700
2026-02-15
—
condos
2
2
1,150
$4,500
2026-04-02
—
condos
2
2
1,024
$4,800
2025-11-20
—
condos
2
2
1,024
$4,950
2025-08-08
—
condos
2
2
1,141
$5,900
2022-05-25
—
condos
2
2
1,115
$4,250
2026-07-21
—
condos
2
2
1,201
$12,000
2026-05-27
—
condos
2
2
1,205
$12,500
2026-03-04
—
condos
2
2
1,107
$10,500
2026-03-30
—
condos
2
2
1,116
$3,500
—
—
apartment
2
2
970
$3,000
—
—
apartment
2
2
1,075
$2,870
—
—
apartment
2
2
1,080
$2,750
—
—
apartment
2
2
1,010
$2,600
—
—
condos
2
2
1,024
$3,000
—
—
apartment
2
2
1,150
$2,760
—
—
condos
2
2
1,050
$2,812
2026-08-31
—
apartment
2
2
1,080
$2,700
—
—
apartment
2
2
1,200
$2,827
—
—
condos
2
2
1,140
$4,800
—
—
apartment
2
2
1,080
$3,008
—
—
condos
2
2
1,050
$2,750
—
—
condos
2
2
1,108
$3,499
—
—
apartment
2
2
1,010
$2,646
—
—
apartment
2
2
1,077
$2,742
—
—
apartment
2
2
1,077
$2,801
—
—
apartment
2
2
1,077
$2,775
—
—
apartment
2
2
1,077
$2,759
—
—
condos
2
2
1,200
$3,500
—
—
apartment
2
2
1,002
$2,888
—
—
apartment
2
2
982
$2,923
—
—
apartment
2
2
1,050
$2,702
—
—
apartment
2
2
1,115
$2,550
—
—
apartment
2
2
1,115
$2,350
—
—
apartment
2
2
921
$2,698
—
—
apartment
2
2
1,050
$2,777
—
—
apartment
2
2
1,115
$2,700
—
—
apartment
2
2
1,050
$2,952
—
—
apartment
2
2
1,130
$4,911
—
—
apartment
2
2
1,026
$3,198
—
—
apartment
2
2
1,104
$3,453
—
—
apartment
2
2
1,095
$3,528
—
—
apartment
2
2
1,010
$3,471
—
—
apartment
2
2
1,020
$3,038
—
—
apartment
2
2
1,010
$3,546
—
—
apartment
2
2
1,026
$3,393
—
—
apartment
2
2
1,095
$3,438
—
—
apartment
2
2
1,104
$3,348
—
—
condos
2
2
1,094
$9,000
—
—
condos
2
2
1,161
$9,500
—
—
condos
2
2
1,077
$2,870
2025-06-04
—
condos
2
2
1,024
$3,050
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.
