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
$350,000
Down payment (20.0%)
$70,000
Loan amount
$280,000
Closing costs (5.0%)
$17,500
Total cash to close
$87,500
Income
Rent (comp-derived)
$2,800$33,600
Vacancy loss (8.0%)
Effective gross income
$2,576$30,912
Operating expenses
Property tax (placeholder 1.9% of price)
$554$6,650
Insurance (placeholder 0.8% of price)
$233$2,800
HOA dues
$0$0
Management (0.0% of EGI)
$0$0
Maintenance (5.0% of GSR)
$140$1,680
Total operating expenses
$928$11,130
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)
$140$1,680
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
single_family
3
2
1,964
$2,900
2025-06-24
—
single_family
3
3
2,115
$3,200
2026-08-21
—
single_family
3
3
1,456
$3,200
—
—
single_family
3
3
1,650
$2,195
—
—
single_family
3
2
1,643
$2,410
—
—
single_family
3
2
1,762
$2,685
2026-08-15
—
single_family
3
2
3,468
$3,410
—
—
single_family
3
2
1,581
$2,365
2026-05-14
—
single_family
3
2
1,446
$2,200
2026-06-02
—
single_family
3
2
1,260
$2,250
2026-05-01
—
single_family
3
2
—
$2,950
2026-07-31
—
single_family
3
2
1,543
$2,400
2026-03-07
—
single_family
3
2
1,535
$2,750
2026-07-25
—
single_family
3
2
1,430
$2,799
2026-07-02
—
single_family
3
2
1,553
$2,999
2026-07-10
—
single_family
3
3
—
$2,450
2026-06-12
—
single_family
3
1
1,940
$2,600
2026-06-19
—
single_family
3
3
1,507
$2,500
2026-06-26
—
single_family
3
2
1,313
$2,600
2026-06-08
—
single_family
3
2
1,225
$3,300
2026-08-21
—
single_family
3
2
2,336
$3,000
2026-07-27
—
single_family
3
2
1,288
$2,600
2026-06-11
—
single_family
3
2
1,488
$2,690
2026-06-19
—
single_family
3
2
1,270
$2,800
2026-05-15
—
single_family
3
2
1,424
$3,850
2026-08-26
—
single_family
3
2
1,610
$3,100
2026-08-10
—
single_family
3
2
1,641
$3,150
2026-08-24
—
single_family
3
3
2,099
$3,300
2026-05-29
—
single_family
3
1
1,216
$2,800
2026-06-29
—
single_family
3
3
2,115
$3,000
2026-07-08
—
single_family
3
2
1,720
$2,950
2026-08-04
—
single_family
3
2
1,507
$3,300
2026-08-25
—
single_family
3
2
1,456
$3,000
2026-03-25
—
single_family
3
2
1,408
$2,600
2026-05-29
—
single_family
3
1
1,104
$2,800
2026-07-04
—
single_family
3
3
2,206
$2,795
2026-03-11
—
single_family
3
2
3,463
$4,599
2026-07-24
—
single_family
3
2
1,351
$3,400
2026-08-20
—
single_family
3
3
1,610
$2,800
2026-01-06
—
single_family
3
2
1,750
$2,950
2026-06-24
—
single_family
3
2
1,200
$2,800
2026-08-13
—
single_family
3
1
1,620
$3,000
2026-08-19
—
single_family
3
2
1,552
$2,650
2026-08-03
—
single_family
3
3
1,456
$2,700
2026-07-28
—
single_family
3
3
1,428
$2,700
2026-06-29
—
single_family
3
2
1,690
$2,840
2026-07-07
—
single_family
3
2
1,386
$3,400
2026-08-17
—
single_family
3
2
2,147
$2,800
2025-12-27
—
single_family
3
2
1,876
$3,100
2026-07-03
—
single_family
3
2
1,750
$3,400
2026-07-26
—
single_family
3
2
1,542
$3,300
2026-07-31
—
single_family
3
2
1,327
$3,800
2026-08-03
—
single_family
3
2
1,456
$3,100
2026-04-13
—
single_family
3
2
1,704
$2,600
2026-06-26
—
single_family
3
3
1,393
$2,300
—
—
single_family
3
2
2,147
$2,800
—
—
single_family
3
3
1,695
$2,450
—
—
single_family
3
2
2,497
$3,000
—
—
single_family
3
3
1,331
$2,600
—
—
single_family
3
2
—
$2,100
—
—
single_family
3
3
1,432
$2,350
—
—
single_family
3
3
—
$2,100
—
—
single_family
3
3
1,650
$2,600
—
—
single_family
3
3
1,393
$2,600
—
—
single_family
3
3
1,428
$2,700
—
—
single_family
3
3
1,363
$2,900
—
—
single_family
3
3
2,603
$3,350
—
—
single_family
3
3
1,509
$3,200
—
—
single_family
3
2
1,426
$2,900
—
—
single_family
3
1
—
$2,700
—
—
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.