13370 SW 34th St

Miami, FL 33175 · single_family · For Sale · 69 days on market
Asking price$2,700,000
6 beds 7 baths 4,161 sqft
Suggested offer$1,781,747$918,253 above the est. market value of $1,781,747.
View on Realtor.com →
Listed by Carlos Chialastri · Trizel Brokerage Services, Inc
Typesingle_family
Built2009
Price / sqft$649
Est. value (own analysis)$1,781,747
Rent estimate (own analysis)$10,450/mo
HOANone
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Neighborhood

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Statusfor_sale
Listed date2026-06-25
Removed date
MLSMiamiMLS #A12043306
Coordinates25.73593, -80.41094
Address13370 SW 34th St
CityMiami
StateFL
Zip33175
Listing ID6163642633
Sourceus-real-estate-listings, cached 2026-09-01

ZIP market snapshot (33175)

Typical home value (ZHVI)$628,459
Typical rent (ZORI)$3,232/mo
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)

Purchase price$2,700,000
Down payment (20.0%)$540,000
Loan amount$2,160,000
Closing costs (5.0%)$135,000
Total cash to close$675,000
Rent (comp-derived)$10,450$125,400
Vacancy loss (8.0%)

Vacancy Loss

Gross Scheduled Rent × Vacancy Rate

Gross scheduled rent (annual) comp$125,400
Vacancy rate (assumption) assumption8.0%

$125,400 × 8.0% = $10,032

Effective gross income$9,614$115,368
Property tax (placeholder 1.9% of price)$4,275$51,300
Insurance (placeholder 0.8% of price)$1,800$21,600
HOA dues$0$0
Management (0.0% of EGI)$0$0
Maintenance (5.0% of GSR)$523$6,270
Total operating expenses$6,598$79,170
Net operating income (NOI)

Net Operating Income (NOI)

Effective Gross Income − Total Operating Expenses

Effective gross income derived$115,368
Total operating expenses derived$79,170

$115,368 − $79,170 = $36,198

Debt service (6.66%, avg 30yr rate as of 2026-08-27, 30yr amortizing)

Monthly Principal & Interest

Standard amortization on the loan amount, at the effective rate and term

Loan amount derived$2,160,000
Interest rate (avg 30yr rate) comp6.7%
Term (assumption) assumption30 years

$2,160,000 amortized at 6.7% over 30 years = $13,881/mo

CapEx reserve (5.0% of GSR)$523$6,270
Mortgage insurance (PMI) (0.0% of loan, not required — down payment ≥ 20%)$0$0
Cash flow

Monthly Cash Flow

(NOI − Annual Debt Service − Annual CapEx Reserve − Annual PMI) ÷ 12

NOI derived$36,198
Annual debt service derived$166,569
Annual CapEx reserve assumption$6,270
Annual PMI assumption$0

($36,198 − $166,569 − $6,270 − $0) ÷ 12 = -$11,387

Cap rate

Cap Rate

NOI ÷ Purchase Price

NOI derived$36,198
Purchase price data$2,700,000

$36,198 ÷ $2,700,000 = 1.3%

Cash-on-cash

Cash-on-Cash Return

Annual Cash Flow ÷ Total Cash Invested

Annual cash flow derived-$136,641
Total cash to close derived$675,000

-$136,641 ÷ $675,000 = -20.2%

DSCR

Debt Service Coverage Ratio (DSCR)

NOI ÷ Annual Debt Service

NOI derived$36,198
Annual debt service derived$166,569

$36,198 ÷ $166,569 = 0.22

Rent-to-price (1% rule)

Rent-to-Price (the "1% rule")

(Gross Scheduled Rent ÷ 12) ÷ Purchase Price

Gross scheduled rent (annual) comp$125,400
Purchase price data$2,700,000

($125,400 ÷ 12) ÷ $2,700,000 = 0.4%

Gross rent multiplier

Gross Rent Multiplier (GRM)

Purchase Price ÷ Gross Scheduled Rent

Purchase price data$2,700,000
Gross scheduled rent (annual) comp$125,400

$2,700,000 ÷ $125,400 = 21.5

Operating expense ratio

Operating Expense Ratio

Total Operating Expenses ÷ Effective Gross Income

Total operating expenses derived$79,170
Effective gross income derived$115,368

$79,170 ÷ $115,368 = 68.6%

Break-even occupancy

Break-Even Occupancy

(Total OpEx + Annual Debt Service + Annual PMI) ÷ Gross Scheduled Rent

Total operating expenses derived$79,170
Annual debt service derived$166,569
Annual PMI assumption$0
Gross scheduled rent (annual) comp$125,400

($79,170 + $166,569 + $0) ÷ $125,400 = 196.0%

Comparables

Widened to city-wide. Real active rental listings, used to derive the rent estimate above.

AddressTypeBedsBathsSqftAsking rentListedDays on market
single_family642,763$6,5002026-08-18
single_family643,218$7,9002026-07-24
single_family653,390$13,0002026-06-25
single_family665,322$28,0002026-06-17
single_family664,806$22,0002026-06-17
single_family664,181$18,0002026-08-03
single_family643,078$3,5002026-08-28
single_family632,716$2,0002026-08-26

1435 SW 82nd Pl

Miami, 33144 · rent comp

Bedrooms / bathrooms6 bd / 4 ba
Square footage2,763
Listed2026-08-18
Days on market

Asking rent: $6,500

View on Zillow →

6610 SW 104th Ct

Miami, 33173 · rent comp

Bedrooms / bathrooms6 bd / 4 ba
Square footage3,218
Listed2026-07-24
Days on market

Asking rent: $7,900

View on Zillow →

2600 SW 128th Ct

Miami, 33175 · rent comp

Bedrooms / bathrooms6 bd / 5 ba
Square footage3,390
Listed2026-06-25
Days on market

Asking rent: $13,000

View on Zillow →

6220 SW 86th St

Miami, 33143 · rent comp

Bedrooms / bathrooms6 bd / 6 ba
Square footage5,322
Listed2026-06-17
Days on market

Asking rent: $28,000

View on Zillow →

80 NW 129th Ave

Miami, 33182 · rent comp

Bedrooms / bathrooms6 bd / 6 ba
Square footage4,806
Listed2026-06-17
Days on market

Asking rent: $22,000

View on Zillow →

6200 SW 97th Ave

Miami, 33173 · rent comp

Bedrooms / bathrooms6 bd / 6 ba
Square footage4,181
Listed2026-08-03
Days on market

Asking rent: $18,000

View on Zillow →

8880 SW 25th St Unit 8880

Miami, 33165 · rent comp

Bedrooms / bathrooms6 bd / 4 ba
Square footage3,078
Listed2026-08-28
Days on market

Asking rent: $3,500

View on Zillow →

11722 SW 107th Ter

Miami, 33186 · rent comp

Bedrooms / bathrooms6 bd / 3 ba
Square footage2,716
Listed2026-08-26
Days on market

Asking rent: $2,000

View on Zillow →

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.

AddressTypeBedsBathsLiving sqftSale priceSale date
2360 SW 139th Avesingle_family664,146$2,750,0002026-08-13
3591 SW 142nd Avesingle_family643,658$935,0002026-07-21
12200 SW 51st Stsingle_family655,115$2,075,0002026-04-15
12025 SW 46th Stsingle_family665,113$4,000,0002026-02-27
14090 SW 34th Stsingle_family645,021$2,150,0002025-11-14

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.

AddressTypeBedsBathsSqftAsking priceDays on market
13470 SW 24th Stsingle_family641,630$824,990
3401 SW 129th Avesingle_family655,147$2,300,000
11835 SW 47th Stsingle_family686,469$3,300,000
2600 SW 128th Ctsingle_family653,390$2,500,000
2840 SW 128th Avesingle_family674,758$2,199,000

10-year hold projection

IRR-3.6%
Equity multiple0.40x
Total return (10yr)-$50,221
YearProperty valueNOICash flowLoan balanceEquity
1$2,781,000$36,198-$136,641$2,136,581$644,419
2$2,864,430$37,680-$135,316$2,111,553$752,877
3$2,950,363$39,216-$133,940$2,084,807$865,556
4$3,038,874$40,808-$132,513$2,056,225$982,649
5$3,130,040$42,459-$131,031$2,025,679$1,104,361
6$3,223,941$44,170-$129,493$1,993,036$1,230,905
7$3,320,659$45,943-$127,898$1,958,151$1,362,508
8$3,420,279$47,780-$126,242$1,920,871$1,499,408
9$3,522,888$49,684-$124,525$1,881,030$1,641,857
10$3,628,574$51,657-$122,743$1,838,454$1,790,120
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.
All figures are estimates for evaluation purposes only, not investment, tax, legal, or insurance advice. Property tax is estimated from a real matched tax bill or millage rate when available, a placeholder % of price otherwise; insurance is scaled by flood and wind risk where those are known and a flat percentage otherwise — never a real quote. Verify all of them, along with association restrictions and permit status, before committing capital. Rent estimates come from real comps or Zillow’s ZIP index, not appraisals.