| Acquisition (one-time, not monthly/yearly) | |
| Purchase price | $939,900 |
| Down payment (20.0%) | $187,980 |
| Loan amount | $751,920 |
| Closing costs (5.0%) | $46,995 |
| Total cash to close | $234,975 |
| Income | |
| Rent (comp-derived) | $4,350$52,200 |
| Vacancy loss (8.0%) | |
| Effective gross income | $4,002$48,024 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,488$17,858 |
| Insurance (est. scaled by flood & wind risk) | $940$11,279 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $218$2,610 |
| Total operating expenses | $2,646$31,747 |
| 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) | $218$2,610 |
| Mortgage insurance (PMI) (0.0% of loan, not required — down payment ≥ 20%) | $0$0 |
| Cash flow |
Same ZIP. Real active rental listings, used to derive the rent estimate above.
| Address | Type | Beds | Baths | Sqft | Asking rent | Listed | Days on market |
|---|---|---|---|---|---|---|---|
| single_family | 4 | 2 | 1,616 | $3,800 | 2026-08-09 | — | |
| single_family | 4 | 2 | 1,681 | $4,350 | 2026-07-10 | — | |
| single_family | 4 | 3 | 1,796 | $5,500 | 2026-06-05 | — | |
| single_family | 4 | 2 | 1,786 | $4,400 | 2026-05-01 | — | |
| single_family | 4 | 2 | 1,694 | $3,650 | 2026-07-18 | — |
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.
| Address | Type | Beds | Baths | Living sqft | Sale price | Sale date |
|---|---|---|---|---|---|---|
| 14250 SW 85th St | single_family | 4 | 3 | 1,763 | $850,000 | 2026-08-10 |
| 14241 SW 83rd St | single_family | 4 | 2 | 1,864 | $900,000 | 2026-07-08 |
| 13242 SW 62nd Ter | single_family | 4 | 2 | 1,726 | $550,000 | 2026-06-12 |
| 14245 SW 75th Ter | single_family | 4 | 2 | 1,824 | $570,000 | 2026-06-10 |
| 7104 SW 132nd Ct | single_family | 4 | 2 | 1,330 | $660,000 | 2026-06-01 |
| 13741 SW 72nd Ter | single_family | 4 | 2 | 1,757 | $820,000 | 2026-05-29 |
| 13274 SW 62nd Ter | single_family | 4 | 2 | 1,694 | $650,000 | 2026-05-26 |
| 12930 SW 83rd St | single_family | 4 | 2 | 2,135 | $760,000 | 2026-05-12 |
| 7755 SW 127th Ct | single_family | 4 | 2 | 2,097 | $815,000 | 2026-05-06 |
| 6103 SW 130th Ave | single_family | 4 | 2 | 1,880 | $630,000 | 2026-05-01 |
| 13800 SW 73rd St | single_family | 4 | 3 | 1,300 | $670,000 | 2026-04-30 |
| 13100 SW 83rd St | single_family | 4 | 2 | 1,385 | $722,500 | 2026-04-17 |
| 14530 SW 77th St | single_family | 4 | 2 | 1,895 | $780,000 | 2026-04-13 |
| 12005 SW 64th St | single_family | 4 | 3 | 4,545 | $4,150,000 | 2026-04-10 |
| 14634 SW 59th Ter | single_family | 4 | 2 | 2,070 | $660,000 | 2026-03-23 |
| 13605 SW 73rd Ter | single_family | 4 | 2 | 1,537 | $680,000 | 2026-03-12 |
| 12728 SW 64th Ter | single_family | 4 | 3 | 1,819 | $750,000 | 2026-02-09 |
| 7202 SW 123rd Pl | single_family | 4 | 4 | — | $1,650,000 | 2026-01-28 |
| 12745 SW 64th Ter | single_family | 4 | 3 | 1,819 | $725,000 | 2026-01-28 |
| 13061 SW 56th Ter | single_family | 4 | 2 | 1,850 | $585,000 | 2026-01-27 |
| 7464 SW 128th Ct | single_family | 4 | 2 | 1,543 | $725,000 | 2026-01-12 |
| 13860 SW 74th St | single_family | 4 | 3 | 1,772 | $750,000 | 2025-12-30 |
| 7230 SW 131st Ave | single_family | 4 | 2 | 1,612 | $700,000 | 2025-12-29 |
| 14263 SW 76th St | single_family | 4 | 2 | 1,809 | $800,000 | 2025-12-24 |
| 7302 SW 134th Pl | single_family | 4 | 2 | 1,650 | $785,000 | 2025-12-23 |
| 14250 SW 71st Ln | single_family | 4 | 2 | 2,238 | $845,000 | 2025-12-16 |
| 7435 SW 146th Ct | single_family | 4 | 2 | 1,836 | $725,000 | 2025-12-15 |
| 12617 SW 73rd Ter | single_family | 4 | 4 | 2,830 | $1,500,000 | 2025-11-26 |
| 11919 SW 72nd Ter | single_family | 4 | 3 | 2,548 | $1,420,000 | 2025-11-06 |
| 7315 SW 127th Ct | single_family | 4 | 3 | 1,612 | $640,000 | 2025-11-04 |
| 6740 SW 135th Ave | single_family | 4 | 3 | 1,681 | $765,000 | 2025-10-23 |
| 12022 SW 77th Ter | single_family | 4 | 3 | 3,832 | $1,800,000 | 2025-10-23 |
| 5701 SW 130th Pl | single_family | 4 | 3 | 2,226 | $555,000 | 2025-10-20 |
| 13250 SW 67th St | single_family | 4 | 2 | — | $670,000 | 2025-10-14 |
| 7791 SW 138th Pl | single_family | 4 | 2 | 1,825 | $628,200 | 2025-10-03 |
| 12743 SW 61st Ter | single_family | 4 | 3 | 1,819 | $650,000 | 2025-09-29 |
| 13500 SW 79th St | single_family | 4 | 2 | 3,152 | $950,000 | 2025-09-12 |
| 13940 SW 74th St | single_family | 4 | 3 | 1,881 | $1,060,000 | 2025-09-08 |
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.
| Address | Type | Beds | Baths | Sqft | Asking price | Days on market |
|---|---|---|---|---|---|---|
| 12019 SW 77th Ter | single_family | 4 | 4 | 3,129 | $1,549,000 | — |
| 13611 SW 77th St | single_family | 4 | 3 | 1,796 | $899,000 | — |
| 14359 Kendale Lakes Cir | townhomes | 4 | 3 | 1,934 | $459,777 | — |
| 5672 SW 130th Ave | single_family | 4 | 4 | 1,892 | $675,000 | — |
| 12900 SW 81st St | single_family | 4 | 2 | 2,052 | $765,000 | — |
| 7450 SW 130th Ave | single_family | 4 | 3 | 2,003 | $715,000 | — |
| 14101 SW 66th St Apt A2 | townhomes | 4 | 4 | 1,641 | $479,000 | — |
| 13391 SW 78th St | single_family | 4 | 2 | 1,684 | $799,000 | — |
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $968,097 | $16,277 | -$44,317 | $743,768 | $224,329 |
| 2 | $997,140 | $16,924 | -$43,736 | $735,055 | $262,085 |
| 3 | $1,027,054 | $17,595 | -$43,132 | $725,745 | $301,310 |
| 4 | $1,057,866 | $18,289 | -$42,506 | $715,795 | $342,071 |
| 5 | $1,089,602 | $19,009 | -$41,857 | $705,161 | $384,440 |
| 6 | $1,122,290 | $19,754 | -$41,183 | $693,798 | $428,492 |
| 7 | $1,155,958 | $20,527 | -$40,485 | $681,654 | $474,304 |
| 8 | $1,190,637 | $21,326 | -$39,761 | $668,676 | $521,961 |
| 9 | $1,226,356 | $22,155 | -$39,010 | $654,808 | $571,549 |
| 10 | $1,263,147 | $23,013 | -$38,231 | $639,986 | $623,161 |