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
$1,750,000
Down payment (20.0%)
$350,000
Loan amount
$1,400,000
Closing costs (5.0%)
$87,500
Total cash to close
$437,500
Income
Rent (comp-derived)
$3,800$45,600
Vacancy loss (8.0%)
Effective gross income
$3,496$41,952
Operating expenses
Property tax (placeholder 1.9% of price)
$2,771$33,250
Insurance (placeholder 0.8% of price)
$1,167$14,000
HOA dues
$2,037$24,444
Management (0.0% of EGI)
$0$0
Maintenance (5.0% of GSR)
$190$2,280
Total operating expenses
$6,165$73,974
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)
$190$2,280
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
750
$2,050
2025-01-03
—
apartment
1
1
740
$2,795
2025-03-06
—
apartment
1
1
793
$3,600
2026-06-09
—
apartment
1
1
760
$4,900
2026-03-26
—
condos
1
1
760
$4,950
2026-07-23
—
condos
1
2
960
$6,000
2025-10-02
—
condos
1
1
880
$25,000
2023-02-28
—
condos
1
1
760
$4,000
2023-03-10
—
condos
1
1
760
$4,000
2023-04-11
—
condos
1
1
840
$7,200
2023-01-16
—
condos
1
2
900
$12,000
2025-10-21
—
apartment
1
1
850
$2,000
2026-08-18
—
condos
1
1
837
$2,200
2026-08-02
—
condos
1
1
730
$1,900
2026-07-22
—
condos
1
1
890
$3,500
2026-07-30
—
condos
1
1
750
$2,200
2026-08-24
—
condos
1
2
851
$6,250
2026-07-08
—
condos
1
2
720
$2,200
2026-07-15
—
condos
1
2
718
$3,500
2026-08-28
—
condos
1
1
730
$2,200
2026-07-22
—
condos
1
1
730
$2,200
2026-08-13
—
condos
1
1
805
$2,550
2026-08-07
—
apartment
1
1
716
$2,350
2026-08-19
—
condos
1
1
845
$2,500
2026-07-31
—
apartment
1
1
718
$2,100
2026-07-14
—
condos
1
2
890
$3,700
2025-10-27
—
condos
1
1
730
$2,000
2026-04-20
—
condos
1
2
782
$2,200
2026-08-13
—
condos
1
1
732
$2,200
2026-08-18
—
condos
1
2
768
$2,500
2026-08-13
—
apartment
1
2
784
$2,800
2026-02-25
—
condos
1
1
923
$3,300
2026-07-31
—
condos
1
2
1,407
$6,500
2026-04-06
—
condos
1
1
740
$4,500
2026-08-27
—
condos
1
2
897
$3,975
2026-08-14
—
condos
1
2
970
$3,900
2026-07-20
—
condos
1
2
1,008
$5,500
2026-04-06
—
condos
1
2
828
$2,480
2026-08-21
—
condos
1
2
715
$2,500
2026-08-25
—
condos
1
2
750
$3,250
2026-07-03
—
condos
1
2
740
$2,400
2026-06-17
—
condos
1
2
950
$3,500
2026-07-28
—
condos
1
1
743
$2,200
2026-08-13
—
condos
1
2
979
$2,700
2026-08-23
—
condos
1
2
747
$3,500
2026-06-27
—
condos
1
1
750
$2,550
2026-06-11
—
condos
1
1
845
$2,800
2026-03-26
—
condos
1
2
721
$3,950
2026-07-30
—
condos
1
2
918
$2,500
2026-07-21
—
condos
1
1
852
$3,495
2026-07-31
—
condos
1
2
791
$3,900
2026-07-27
—
condos
1
2
750
$2,500
2026-05-13
—
condos
1
1
730
$1,950
2026-05-22
—
condos
1
2
730
$2,950
2026-07-06
—
apartment
1
2
792
$2,300
2026-08-25
—
condos
1
1
850
$3,450
2026-08-23
—
condos
1
1
820
$3,500
2024-01-04
—
condos
1
2
1,309
$5,900
2026-07-30
—
condos
1
2
920
$3,350
2026-08-25
—
condos
1
1
845
$2,700
2026-08-14
—
condos
1
1
852
$3,750
2026-08-24
—
condos
1
1
850
$2,895
2026-07-29
—
condos
1
1
820
$3,000
2026-06-01
—
condos
1
1
777
$4,800
2026-07-24
—
condos
1
2
718
$2,700
2026-08-06
—
condos
1
1
788
$2,800
2026-07-13
—
condos
1
1
758
$2,800
2026-07-24
—
condos
1
2
994
$3,650
2026-08-07
—
condos
1
2
791
$3,750
2026-07-15
—
condos
1
1
880
$8,500
2026-08-25
—
condos
1
2
1,027
$4,300
2026-06-06
—
condos
1
1
727
$3,400
2026-08-13
—
condos
1
2
1,008
$13,000
2026-08-18
—
condos
1
1
723
$3,500
2026-03-26
—
condos
1
1
1,044
$4,900
2026-07-30
—
condos
1
—
830
$3,500
2026-06-04
—
condos
1
1
769
$5,000
2026-08-02
—
condos
1
1
780
$4,500
2026-08-18
—
condos
1
1
746
$4,500
2026-05-06
—
condos
1
1
740
$2,600
2026-05-29
—
condos
1
1
806
$3,150
2026-07-15
—
condos
1
2
730
$2,450
2026-07-27
—
condos
1
1
776
$4,500
2026-07-07
—
apartment
1
2
715
$2,350
2026-06-17
—
condos
1
2
830
$4,300
2026-04-09
—
condos
1
1
852
$3,600
2026-06-24
—
condos
1
1
740
$2,600
2026-06-17
—
condos
1
1
777
$5,500
2026-07-23
—
apartment
1
1
825
$3,200
2026-08-09
—
condos
1
1
745
$3,600
2026-08-03
—
apartment
1
1
730
$2,425
2026-01-27
—
condos
1
2
880
$3,000
2026-03-06
—
condos
1
1
762
$2,950
2026-08-03
—
condos
1
1
840
$7,900
2024-08-26
—
condos
1
2
748
$2,300
2026-06-30
—
apartment
1
1
737
$2,800
2026-07-03
—
condos
1
2
1,018
$3,900
2026-06-26
—
condos
1
1
780
$4,300
2026-03-20
—
condos
1
1
850
$5,400
2026-04-28
—
condos
1
2
850
$3,500
2024-03-06
—
condos
1
2
750
$2,950
2026-05-19
—
condos
1
2
770
$2,600
2026-07-31
—
condos
1
1
730
$2,300
2026-08-10
—
condos
1
1
818
$6,995
2026-05-19
—
condos
1
1
835
$3,500
2025-12-02
—
condos
1
1
837
$4,000
2026-06-22
—
condos
1
1
852
$4,300
2026-06-03
—
condos
1
2
718
$2,700
2026-03-20
—
condos
1
2
786
$2,600
2026-07-06
—
condos
1
1
740
$4,250
2026-06-25
—
condos
1
1
845
$2,900
2026-06-11
—
condos
1
2
732
$7,500
2026-04-24
—
condos
1
2
752
$2,700
2026-06-04
—
condos
1
2
850
$3,500
2024-07-19
—
condos
1
1
865
$3,500
2025-12-08
—
condos
1
1
785
$2,950
2026-07-31
—
condos
1
2
750
$2,995
2026-04-14
—
condos
1
1
720
$2,750
2026-07-09
—
condos
1
1
727
$3,450
2026-06-05
—
condos
1
1
852
$3,999
2026-07-15
—
condos
1
1
740
$5,500
2026-08-20
—
condos
1
1
740
$3,900
2026-06-29
—
apartment
1
2
786
$2,500
2026-05-07
—
condos
1
2
880
$3,500
2026-03-06
—
condos
1
1
835
$3,500
2022-04-06
—
condos
1
2
890
$3,500
2026-05-18
—
condos
1
2
826
$3,950
2026-04-20
—
condos
1
1
712
$2,750
2026-06-22
—
condos
1
1
810
$3,000
2026-07-24
—
apartment
1
2
822
$3,500
2026-03-12
—
condos
1
1
731
$3,500
2023-08-04
—
condos
1
1
837
$3,399
2024-02-09
—
condos
1
2
898
$3,800
2025-12-05
—
condos
1
2
893
$35,000
2026-06-25
—
condos
1
1
850
$3,400
2026-08-14
—
condos
1
2
850
$5,000
2025-08-20
—
condos
1
2
890
$4,000
2021-12-20
—
condos
1
2
1,201
$10,900
2026-04-03
—
condos
1
1
850
$9,500
2026-01-05
—
apartment
1
2
750
$2,900
2025-10-08
—
condos
1
2
1,036
$35,000
2025-10-21
—
condos
1
2
880
$6,000
2022-03-28
—
condos
1
2
750
$2,650
2026-06-06
—
condos
1
2
850
$3,650
2026-07-13
—
condos
1
1
850
$3,200
2026-03-20
—
condos
1
1
780
$6,000
2026-07-13
—
condos
1
2
880
$3,800
2026-08-04
—
condos
1
1
710
$2,800
2026-06-27
—
condos
1
1
852
$4,800
2026-08-08
—
condos
1
1
866
$35,000
2021-10-15
—
condos
1
1
722
$6,500
2026-08-04
—
condos
1
1
852
$4,000
2026-08-05
—
condos
1
1
740
$4,500
2026-08-17
—
condos
1
1
845
$4,000
2023-10-19
—
condos
1
1
731
$3,450
2026-07-13
—
condos
1
1
900
$10,000
2026-08-06
—
condos
1
1
820
$4,000
2025-11-21
—
condos
1
2
890
$4,000
2025-07-30
—
condos
1
2
880
$3,150
2025-12-01
—
condos
1
1
900
$6,500
2026-05-27
—
condos
1
1
740
$4,000
2026-07-17
—
condos
1
2
893
$35,000
2026-07-08
—
condos
1
1
845
$3,800
2022-04-06
—
condos
1
1
760
$4,750
2026-07-21
—
apartment
1
1
865
$4,650
2024-10-23
—
condos
1
2
760
$5,000
2026-07-17
—
condos
1
1
740
$4,300
2026-03-06
—
condos
1
2
850
$4,000
2021-08-05
—
condos
1
2
850
$4,000
2025-02-17
—
condos
1
1
780
$4,700
2026-06-11
—
condos
1
1
880
$6,500
2026-06-18
—
condos
1
1
1,190
$4,500
2026-01-11
—
condos
1
1
880
$5,300
2026-02-12
—
condos
1
1
845
$4,500
2020-06-28
—
condos
1
2
960
$9,500
2026-08-07
—
condos
1
1
780
$4,800
2026-06-10
—
condos
1
1
900
$7,000
2025-10-28
—
condos
1
1
760
$5,500
2026-05-05
—
condos
1
2
890
$5,000
2024-08-05
—
condos
1
2
865
$5,000
2024-06-01
—
condos
1
2
940
$5,000
2026-03-31
—
condos
1
1
900
$6,900
2026-03-16
—
condos
1
2
900
$9,500
2021-08-12
—
condos
1
2
845
$5,450
2023-08-01
—
condos
1
1
845
$5,500
2023-04-25
—
condos
1
1
845
$5,500
2022-08-27
—
condos
1
2
960
$10,000
2025-08-01
—
condos
1
2
850
$10,500
2025-12-20
—
condos
1
1
845
$6,000
2024-02-06
—
condos
1
1
880
$9,000
2026-04-27
—
condos
1
2
820
$5,500
2024-03-12
—
condos
1
2
866
$19,000
2023-08-03
—
condos
1
2
893
$19,000
2026-02-04
—
condos
1
2
879
$19,000
2026-02-04
—
condos
1
2
893
$19,000
2023-08-03
—
condos
1
2
875
$10,500
2026-06-18
—
condos
1
2
866
$35,000
2026-06-19
—
condos
1
2
893
$35,000
2021-10-14
—
condos
1
1
785
$35,000
2021-10-15
—
condos
1
2
893
$35,000
2021-10-14
—
condos
1
1
866
$35,000
2023-11-22
—
condos
1
2
893
$19,000
2023-08-02
—
condos
1
2
1,026
$12,000
2024-02-28
—
condos
1
2
1,010
$9,500
2026-07-03
—
condos
1
1
889
$16,000
2024-11-25
—
condos
1
1
866
$22,500
2026-05-15
—
apartment
1
2
910
$2,600
2026-06-19
—
apartment
1
1
900
$2,400
2026-06-11
—
condos
1
1
850
$3,400
—
—
condos
1
2
826
$3,950
2026-07-31
—
condos
1
1
725
$2,550
—
—
condos
1
1
740
$5,500
—
—
apartment
1
1
750
$2,995
—
—
condos
1
2
897
$4,950
2026-08-07
—
apartment
1
1
777
$4,800
—
—
condos
1
1
852
$3,999
—
—
apartment
1
1
837
$3,400
—
—
apartment
1
2
715
$2,590
—
—
apartment
1
1
800
$2,800
—
—
condos
1
2
1,110
$13,000
—
—
condos
1
1
880
$6,500
—
—
apartment
1
1
758
$2,525
—
—
apartment
1
1
852
$3,495
—
—
condos
1
1
852
$4,300
—
—
condos
1
1
740
$4,500
—
—
condos
1
2
886
$8,700
—
—
condos
1
1
900
$10,000
—
—
apartment
1
1
852
$3,600
2025-01-09
—
condos
1
2
890
$2,450
2026-08-10
—
condos
1
1
837
$2,950
2026-08-28
—
condos
1
1
720
$2,400
2026-09-01
—
condos
1
1
845
$2,750
2026-09-01
—
condos
1
2
750
$2,700
2026-08-31
—
condos
1
1
726
$3,400
2026-09-01
—
condos
1
1
830
$3,400
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.
