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
$349,000
Down payment (20.0%)
$69,800
Loan amount
$279,200
Closing costs (5.0%)
$17,450
Total cash to close
$87,250
Income
Rent (comp-derived)
$2,700$32,400
Vacancy loss (8.0%)
Effective gross income
$2,484$29,808
Operating expenses
Property tax (placeholder 1.9% of price)
$553$6,631
Insurance (est. scaled by flood & wind risk)
$512$6,142
HOA dues
$531$6,372
Management (0.0% of EGI)
$0$0
Maintenance (5.0% of GSR)
$135$1,620
Total operating expenses
$1,730$20,765
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)
$135$1,620
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
0
1
507
$2,950
2026-08-21
—
condos
0
1
485
$2,855
2026-08-19
—
condos
0
1
485
$2,855
2026-08-19
—
apartment
0
1
589
$2,659
2026-02-19
—
apartment
0
1
400
$4,900
—
—
condos
0
1
601
$2,500
2026-08-19
—
apartment
0
1
519
$2,492
2026-08-14
—
condos
0
1
507
$2,400
2026-08-18
—
condos
0
1
598
$2,800
2026-08-17
—
condos
0
1
500
$2,200
2026-08-15
—
condos
0
1
507
$2,950
2026-08-13
—
condos
0
1
601
$2,700
2026-08-12
—
condos
0
1
545
$2,500
2026-08-12
—
condos
0
1
598
$2,800
2026-08-12
—
condos
0
1
507
$2,850
2026-08-07
—
condos
0
1
442
$2,900
2026-08-06
—
condos
0
1
442
$2,799
2026-07-11
—
condos
0
1
604
$2,500
2026-08-05
—
condos
0
1
598
$3,000
2026-07-24
—
condos
0
1
546
$2,700
2026-07-23
—
condos
0
1
442
$2,800
2026-07-22
—
condos
0
1
507
$2,300
2026-07-22
—
condos
0
1
598
$3,000
2026-07-20
—
condos
0
1
551
$2,400
2026-07-20
—
condos
0
1
425
$2,149
2026-07-17
—
condos
0
1
375
$2,700
2026-07-17
—
condos
0
1
575
$2,500
2026-07-15
—
condos
0
1
470
$2,700
2026-07-15
—
condos
0
1
507
$2,200
2026-07-15
—
condos
0
1
598
$2,900
2026-07-13
—
condos
0
1
442
$2,750
2026-07-10
—
apartment
0
1
580
$2,100
2026-07-10
—
condos
0
1
507
$2,450
2026-07-08
—
condos
0
1
546
$2,595
2026-07-08
—
condos
0
1
362
$2,500
2026-07-07
—
condos
0
1
519
$3,000
2026-06-30
—
condos
0
1
375
$3,200
2026-06-25
—
condos
0
1
507
$2,350
2026-06-17
—
condos
0
1
542
$4,200
2026-06-17
—
apartment
0
1
580
$2,300
2026-06-11
—
condos
0
1
442
$2,900
2026-06-10
—
condos
0
1
519
$2,800
2026-06-04
—
condos
0
1
598
$3,250
2026-05-31
—
apartment
0
1
601
$2,350
2026-05-28
—
condos
0
1
507
$2,550
2026-05-19
—
condos
0
1
611
$7,000
2026-05-15
—
condos
0
1
604
$2,550
2026-05-12
—
condos
0
1
442
$2,550
2026-05-08
—
condos
0
1
546
$3,050
2026-05-07
—
condos
0
1
442
$2,650
2026-05-05
—
apartment
0
1
442
$2,750
2026-04-29
—
condos
0
1
355
$2,500
2026-08-01
—
condos
0
1
507
$3,300
2026-07-31
—
condos
0
1
425
$2,150
2026-07-30
—
condos
0
1
580
$2,175
2025-05-23
—
condos
0
1
442
$2,800
2026-04-20
—
apartment
0
1
551
$2,400
2022-09-02
—
condos
0
1
551
$3,000
2026-08-24
—
condos
0
1
598
$3,250
2026-08-25
—
condos
0
1
425
$2,750
2026-08-22
—
condos
0
1
551
$2,500
2026-04-14
—
condos
0
1
551
$3,300
2025-12-21
—
condos
0
1
442
$2,600
2026-01-25
—
condos
0
1
442
$2,999
2025-05-16
—
condos
0
1
442
$2,700
2026-03-16
—
condos
0
1
362
$4,500
2026-03-10
—
condos
0
1
506
$3,900
2025-05-19
—
condos
0
1
519
$3,200
2026-03-19
—
apartment
0
1
425
$1,700
2026-08-22
—
apartment
0
1
650
$2,500
—
—
apartment
0
1
519
$2,492
—
—
apartment
0
1
507
$2,400
2026-08-26
—
condos
0
1
355
$2,600
2026-08-28
—
condos
0
1
598
$2,700
2026-08-26
—
condos
0
1
546
$3,250
2026-08-27
—
apartment
0
1
519
$2,777
—
—
apartment
0
1
644
$2,687
—
—
apartment
0
1
519
$2,587
—
—
apartment
0
1
519
$2,587
—
—
apartment
0
1
644
$2,738
—
—
condos
0
1
551
$2,500
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.