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
$555,000
Down payment (20.0%)
$111,000
Loan amount
$444,000
Closing costs (5.0%)
$27,750
Total cash to close
$138,750
Income
Rent (comp-derived)
$4,690$56,280
Vacancy loss (8.0%)
Effective gross income
$4,315$51,778
Operating expenses
Property tax (placeholder 1.9% of price)
$879$10,545
Insurance (placeholder 0.8% of price)
$370$4,440
HOA dues
$1,310$15,720
Management (0.0% of EGI)
$0$0
Maintenance (5.0% of GSR)
$235$2,814
Total operating expenses
$2,793$33,519
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)
$235$2,814
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
2
3
1,158
$4,500
2026-08-21
—
condos
2
2
1,262
$4,900
2026-08-21
—
condos
2
3
1,137
$5,700
2026-08-20
—
apartment
2
1
832
$2,650
2026-08-19
—
condos
2
2
1,084
$4,500
2026-08-19
—
condos
2
3
1,198
$5,900
2026-08-19
—
condos
2
2
1,168
$5,700
2026-08-19
—
condos
2
2
1,107
$5,300
2026-08-18
—
condos
2
2
1,047
$3,300
2026-08-18
—
condos
2
2
835
$5,000
2026-08-18
—
condos
2
2
1,128
$6,200
2026-08-17
—
condos
2
2
1,027
$4,095
2026-08-12
—
condos
2
2
910
$2,850
2026-08-17
—
condos
2
3
1,175
$6,400
2026-08-17
—
condos
2
2
953
$3,300
2026-08-16
—
condos
2
3
1,158
$4,500
2026-08-14
—
condos
2
2
1,073
$5,000
2026-08-13
—
condos
2
2
972
$5,500
2026-08-12
—
condos
2
2
972
$4,900
2026-08-12
—
condos
2
2
802
$1,950
2026-08-11
—
condos
2
2
1,057
$6,500
2026-08-11
—
condos
2
2
1,135
$7,500
2026-08-10
—
condos
2
3
1,088
$4,650
2026-08-09
—
condos
2
2
1,057
$6,500
2026-08-08
—
condos
2
3
1,143
$8,995
2026-08-08
—
condos
2
2
1,198
$5,900
2026-08-07
—
condos
2
2
864
$5,500
2026-08-07
—
condos
2
3
1,060
$5,700
2026-08-07
—
condos
2
2
1,265
$4,200
2026-08-07
—
condos
2
2
864
$4,500
2026-08-06
—
condos
2
3
1,143
$6,800
2026-08-05
—
condos
2
2
912
$4,999
2026-08-05
—
condos
2
2
1,263
$4,500
2026-08-05
—
condos
2
3
1,158
$4,570
2026-07-26
—
apartment
2
3
1,158
$4,200
2026-07-25
—
condos
2
3
1,151
$6,750
2026-07-24
—
condos
2
3
1,088
$4,500
2026-07-23
—
apartment
2
1
990
$1,800
2026-07-23
—
condos
2
2
835
$5,200
2026-07-17
—
condos
2
3
1,174
$4,650
2026-07-16
—
condos
2
2
1,062
$5,000
2026-07-15
—
condos
2
2
1,107
$4,900
2026-07-15
—
apartment
2
2
915
$3,300
2026-07-14
—
condos
2
3
1,158
$4,100
2026-07-14
—
condos
2
3
1,187
$6,800
2026-07-13
—
condos
2
2
1,141
$4,850
2026-07-13
—
condos
2
2
955
$7,500
2026-07-11
—
condos
2
2
984
$3,400
2026-07-10
—
condos
2
2
1,128
$6,500
2026-07-10
—
condos
2
3
1,174
$4,400
2026-07-09
—
condos
2
2
1,142
$4,650
2026-07-09
—
condos
2
2
963
$3,200
2026-07-08
—
condos
2
3
1,198
$6,000
2026-07-08
—
condos
2
3
1,151
$6,900
2026-07-07
—
condos
2
2
1,095
$4,700
2026-07-06
—
condos
2
2
1,208
$4,300
2026-07-06
—
condos
2
3
1,151
$6,750
2026-07-03
—
condos
2
2
974
$2,975
2026-07-03
—
condos
2
2
1,068
$3,900
2026-07-02
—
condos
2
3
1,175
$5,850
2026-07-01
—
apartment
2
1
900
$1,800
2026-07-01
—
apartment
2
2
1,078
$4,690
2026-06-30
—
condos
2
3
1,158
$5,800
2026-06-29
—
apartment
2
2
988
$4,250
2026-06-29
—
condos
2
2
955
$7,800
2026-06-28
—
condos
2
3
1,175
$5,500
2026-06-25
—
condos
2
2
990
$3,250
2026-06-25
—
condos
2
3
1,174
$4,200
2026-06-25
—
condos
2
2
1,128
$6,250
2026-06-25
—
condos
2
2
1,045
$6,500
2026-06-24
—
condos
2
3
1,193
$6,500
2026-06-24
—
condos
2
2
969
$5,750
2026-06-23
—
condos
2
2
990
$3,000
2026-06-23
—
condos
2
3
1,060
$5,750
2026-06-22
—
condos
2
2
1,007
$3,700
2026-06-17
—
condos
2
2
1,095
$6,500
2026-06-17
—
condos
2
2
990
$3,300
2026-06-17
—
condos
2
2
1,065
$3,200
2026-06-17
—
condos
2
1
725
$2,450
2026-06-17
—
condos
2
2
912
$5,750
2026-06-12
—
condos
2
2
955
$7,300
2026-06-12
—
condos
2
2
786
$4,950
2026-06-12
—
condos
2
3
1,186
$6,400
2026-06-11
—
apartment
2
2
785
$5,500
2026-06-09
—
condos
2
2
964
$3,995
2026-06-09
—
apartment
2
1
1,190
$1,950
2026-06-08
—
condos
2
2
1,129
$4,200
2026-06-08
—
condos
2
2
1,105
$8,900
2026-06-02
—
condos
2
2
1,095
$4,900
2026-05-29
—
condos
2
2
1,100
$3,519
2026-05-29
—
condos
2
2
953
$3,100
2026-05-22
—
condos
2
2
1,147
$6,250
2026-05-22
—
condos
2
2
972
$6,500
2026-05-22
—
condos
2
2
1,134
$9,500
2026-05-21
—
condos
2
2
1,081
$5,750
2026-05-17
—
condos
2
2
1,156
$3,990
2026-05-17
—
apartment
2
3
1,237
$5,400
2026-05-16
—
condos
2
2
964
$3,900
2026-05-15
—
condos
2
2
1,190
$4,000
2026-05-13
—
condos
2
2
1,000
$5,800
2026-05-06
—
condos
2
2
1,100
$3,190
2026-05-05
—
condos
2
2
990
$3,150
2026-05-05
—
condos
2
2
1,150
$9,850
2026-04-30
—
condos
2
2
1,218
$2,975
2026-08-04
—
condos
2
2
1,105
$10,700
2026-08-04
—
condos
2
2
953
$3,550
2026-08-04
—
condos
2
2
815
$3,400
2026-08-04
—
condos
2
2
988
$3,975
2026-08-03
—
condos
2
3
1,187
$6,100
2026-07-31
—
condos
2
2
990
$3,200
2026-07-31
—
condos
2
2
1,081
$6,750
2026-07-30
—
condos
2
2
1,152
$5,500
2026-07-29
—
condos
2
2
1,095
$5,950
2026-07-29
—
condos
2
2
1,045
$5,000
2026-07-28
—
condos
2
2
982
$4,400
2026-07-28
—
apartment
2
1
950
$2,200
2025-07-21
—
condos
2
2
1,057
$5,500
2024-07-20
—
condos
2
3
1,174
$4,500
2026-01-31
—
condos
2
2
1,095
$4,900
2026-03-18
—
condos
2
2
1,085
$7,450
2026-02-13
—
condos
2
2
1,095
$4,990
2024-08-08
—
condos
2
2
1,048
$5,250
2026-01-13
—
apartment
2
2
1,081
$5,950
—
—
condos
2
2
972
$6,200
2025-01-10
—
condos
2
2
944
$4,500
2024-10-07
—
condos
2
3
1,158
$4,400
2026-08-25
—
apartment
2
1
950
$2,200
2026-08-25
—
condos
2
2
1,230
$2,750
2026-04-06
—
apartment
2
2
939
$3,555
2025-04-28
—
condos
2
2
990
$2,900
2026-03-18
—
condos
2
2
1,143
$4,200
2026-04-08
—
condos
2
2
999
$4,000
2025-06-03
—
condos
2
2
1,095
$5,900
2026-03-16
—
condos
2
3
1,174
$5,900
2025-09-10
—
condos
2
2
955
$8,500
2025-09-18
—
condos
2
2
1,190
$5,500
2025-06-22
—
condos
2
2
1,111
$6,500
2026-02-25
—
condos
2
2
1,096
$6,250
2025-02-27
—
condos
2
2
835
$5,500
2025-09-17
—
condos
2
2
864
$5,950
2026-02-26
—
condos
2
2
1,096
$8,300
2026-03-10
—
apartment
2
2
1,038
$4,441
—
—
apartment
2
2
1,168
$4,394
—
—
condos
2
2
1,067
$5,800
—
—
condos
2
2
1,100
$3,450
—
—
condos
2
2
1,084
$4,500
—
—
condos
2
2
1,050
$3,600
—
—
apartment
2
2
1,168
$4,179
—
—
apartment
2
2
1,104
$3,797
—
—
apartment
2
2
977
$7,645
—
—
apartment
2
3
1,072
$4,000
—
—
apartment
2
2
1,070
$3,844
—
—
condos
2
3
1,175
$5,400
—
—
apartment
2
2
1,107
$4,800
—
—
condos
2
2
994
$3,570
—
—
apartment
2
2
1,168
$4,233
—
—
apartment
2
2
1,060
$3,809
—
—
apartment
2
2
1,128
$3,531
—
—
condos
2
2
1,100
$3,199
2026-04-17
—
apartment
2
2
1,143
$5,900
—
—
condos
2
3
1,151
$7,100
—
—
condos
2
2
1,107
$4,900
—
—
apartment
2
2
935
$3,650
—
—
condos
2
2
1,011
$3,949
2026-03-22
—
apartment
2
2
1,177
$4,606
—
—
apartment
2
2
1,262
$4,725
—
—
apartment
2
2
1,060
$3,576
—
—
apartment
2
2
911
$3,837
—
—
apartment
2
2
1,173
$5,627
—
—
condos
2
2
955
$2,800
2026-08-28
—
condos
2
2
872
$2,650
2026-08-27
—
condos
2
3
1,088
$4,695
2026-08-28
—
apartment
2
1
700
$2,300
2026-08-26
—
condos
2
3
1,143
$9,000
2026-08-25
—
condos
2
2
864
$5,500
2026-08-27
—
condos
2
2
1,057
$6,200
2026-08-27
—
condos
2
2
944
$4,150
2026-08-25
—
condos
2
2
1,082
$5,000
2026-08-25
—
condos
2
2
777
$4,500
2025-10-22
—
condos
2
2
786
$9,500
2026-08-23
—
apartment
2
3
1,060
$5,200
2026-04-10
—
condos
2
2
835
$6,250
2024-02-19
—
condos
2
2
944
$4,150
—
—
apartment
2
2
1,055
$3,733
—
—
condos
2
2
998
$3,650
—
—
apartment
2
2
1,153
$4,546
—
—
condos
2
3
1,143
$9,000
—
—
apartment
2
2
1,106
$4,317
—
—
apartment
2
2
1,011
$3,650
—
—
apartment
2
1
1,006
$3,420
—
—
apartment
2
2
983
$3,809
—
—
condos
2
3
1,158
$5,800
—
—
apartment
2
2
1,043
$3,502
—
—
apartment
2
2
1,088
$4,123
—
—
apartment
2
1
1,000
$3,300
—
—
apartment
2
2
961
$3,853
—
—
apartment
2
2
983
$3,552
—
—
apartment
2
2
1,098
$4,269
—
—
apartment
2
2
1,027
$4,087
—
—
apartment
2
2
1,011
$4,184
—
—
apartment
2
2
973
$4,015
—
—
apartment
2
1
940
$3,511
—
—
apartment
2
2
1,170
$4,550
—
—
apartment
2
2
1,139
$4,595
—
—
apartment
2
2
1,109
$4,713
—
—
apartment
2
2
1,222
$4,842
—
—
apartment
2
2
1,223
$4,772
—
—
apartment
2
2
1,060
$3,641
—
—
apartment
2
2
1,037
$3,772
—
—
apartment
2
2
1,152
$5,175
—
—
apartment
2
2
1,081
$5,149
—
—
apartment
2
2
1,185
$3,672
—
—
apartment
2
2
1,109
$4,433
—
—
apartment
2
2
1,025
$3,813
—
—
apartment
2
2
1,123
$4,531
—
—
apartment
2
2
1,073
$4,946
—
—
condos
2
2
972
$4,900
—
—
apartment
2
2
920
$5,499
—
—
apartment
2
2
1,070
$3,824
—
—
apartment
2
2
973
$3,777
—
—
apartment
2
2
1,080
$3,871
—
—
apartment
2
2
1,030
$3,803
—
—
apartment
2
2
970
$3,658
—
—
apartment
2
2
1,075
$3,793
—
—
apartment
2
2
1,011
$4,036
—
—
apartment
2
2
1,093
$4,488
—
—
apartment
2
2
1,011
$3,959
—
—
condos
2
2
1,081
$6,750
—
—
apartment
2
2
1,109
$4,083
—
—
apartment
2
2
1,089
$4,153
—
—
apartment
2
2
1,109
$4,014
—
—
apartment
2
2
1,070
$4,100
—
—
apartment
2
2
993
$4,002
—
—
apartment
2
2
1,123
$4,331
—
—
apartment
2
2
1,209
$4,278
—
—
apartment
2
2
1,230
$4,757
—
—
apartment
2
2
1,223
$4,822
—
—
apartment
2
2
1,223
$4,822
—
—
apartment
2
2
1,211
$4,772
—
—
apartment
2
2
1,230
$4,822
—
—
apartment
2
2
1,223
$4,772
—
—
apartment
2
2
1,109
$4,957
—
—
apartment
2
2
1,081
$5,044
—
—
apartment
2
2
1,211
$4,907
—
—
apartment
2
2
1,228
$4,912
—
—
apartment
2
2
1,204
$5,057
—
—
apartment
2
2
1,123
$5,126
—
—
apartment
2
2
1,029
$5,607
—
—
apartment
2
2
1,103
$5,709
—
—
apartment
2
2
1,152
$5,689
—
—
apartment
2
2
1,172
$5,597
—
—
apartment
2
2
977
$6,105
—
—
apartment
2
2
977
$6,125
—
—
condos
2
3
1,150
$8,000
2026-01-28
—
apartment
2
2
920
$3,800
2025-05-02
—
condos
2
2
864
$5,500
2026-08-30
—
condos
2
2
1,044
$5,000
2026-08-31
—
condos
2
2
1,057
$6,300
2026-08-31
—
condos
2
2
725
$4,500
2026-08-31
—
condos
2
2
1,073
$4,950
2026-09-02
—
condos
2
2
1,045
$4,950
2026-09-01
—
apartment
2
1
950
$2,300
2026-09-01
—
condos
2
2
835
$6,250
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.