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
$435,000
Down payment (20.0%)
$87,000
Loan amount
$348,000
Closing costs (5.0%)
$21,750
Total cash to close
$108,750
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)
$689$8,265
Insurance (placeholder 0.8% of price)
$290$3,480
HOA dues
$224$2,688
Management (0.0% of EGI)
$0$0
Maintenance (5.0% of GSR)
$135$1,620
Total operating expenses
$1,338$16,053
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
townhomes
3
3
1,697
$2,900
2026-08-07
—
townhomes
3
3
1,323
$2,499
2026-06-06
—
townhomes
3
3
1,331
$2,700
2026-05-06
—
townhomes
3
3
1,697
$2,750
2026-08-02
—
townhomes
3
3
1,644
$2,490
2026-08-10
—
townhomes
3
3
1,657
$2,300
2026-08-04
—
townhomes
3
3
1,466
$2,500
2026-03-24
—
townhomes
3
3
1,679
$2,500
2026-06-30
—
townhomes
3
3
1,442
$2,650
2026-08-08
—
townhomes
3
3
1,695
$3,400
2026-08-27
—
townhomes
3
3
1,530
$2,700
2026-08-11
—
townhomes
3
3
1,587
$2,500
2026-07-17
—
townhomes
3
2
1,250
$2,400
2026-07-07
—
townhomes
3
3
1,587
$2,850
2026-07-07
—
townhomes
3
3
1,458
$2,500
2026-06-22
—
townhomes
3
3
1,857
$3,000
2026-08-25
—
townhomes
3
3
1,580
$2,400
2026-04-10
—
townhomes
3
3
1,367
$2,490
2026-08-07
—
townhomes
3
3
1,580
$2,500
2026-06-17
—
townhomes
3
3
1,393
$2,400
2026-07-17
—
townhomes
3
4
1,587
$2,700
2026-05-23
—
townhomes
3
3
1,483
$2,595
2026-04-28
—
townhomes
3
3
1,530
$2,850
2026-08-08
—
townhomes
3
3
1,524
$2,800
2026-08-24
—
townhomes
3
3
1,460
$2,450
2026-06-26
—
townhomes
3
2
1,216
$2,500
2026-07-02
—
townhomes
3
3
1,850
$2,900
2026-07-10
—
townhomes
3
3
1,612
$2,600
2026-08-21
—
townhomes
3
3
1,524
$2,600
2026-08-04
—
townhomes
3
3
1,483
$2,595
2026-07-27
—
townhomes
3
3
1,710
$3,495
2026-08-25
—
townhomes
3
3
1,514
$3,500
2026-07-25
—
townhomes
3
3
1,530
$3,000
2026-08-21
—
townhomes
3
3
1,442
$2,550
2026-07-23
—
townhomes
3
3
1,580
$2,500
2026-07-17
—
townhomes
3
3
1,695
$2,995
2026-08-18
—
townhomes
3
3
1,827
$3,000
2026-07-21
—
townhomes
3
3
1,850
$3,000
2026-05-07
—
townhomes
3
2
1,216
$2,300
2026-04-07
—
townhomes
3
3
1,584
$2,799
2026-06-22
—
townhomes
3
3
1,426
$2,399
2026-06-23
—
townhomes
3
3
1,393
$2,650
2026-08-12
—
townhomes
3
3
1,612
$2,800
2026-08-20
—
townhomes
3
3
1,587
$2,850
2026-08-20
—
townhomes
3
3
1,870
$2,900
2026-08-12
—
townhomes
3
3
1,580
$2,600
2026-07-04
—
townhomes
3
3
1,659
$2,600
2026-08-17
—
townhomes
3
3
1,328
$2,600
2026-07-02
—
townhomes
3
3
1,857
$3,000
2026-07-11
—
townhomes
3
3
1,580
$2,550
2026-07-02
—
townhomes
3
3
1,335
$2,750
2026-07-28
—
townhomes
3
3
1,441
$2,750
2026-06-04
—
townhomes
3
3
1,535
$2,650
2026-07-15
—
townhomes
3
3
1,658
$3,000
2026-06-08
—
townhomes
3
3
1,587
$2,700
2026-08-07
—
townhomes
3
3
1,887
$2,950
2026-06-19
—
townhomes
3
3
1,705
$2,975
2026-05-09
—
townhomes
3
3
1,850
$2,650
2026-06-30
—
townhomes
3
3
1,335
$2,700
2026-08-04
—
townhomes
3
3
1,524
$2,600
2026-06-17
—
townhomes
3
3
1,460
$2,600
2026-07-16
—
townhomes
3
3
1,548
$2,750
2026-08-08
—
townhomes
3
3
1,651
$2,999
2026-05-13
—
townhomes
3
3
1,331
$2,800
2026-07-28
—
townhomes
3
3
1,331
$2,800
2026-06-12
—
townhomes
3
3
1,393
$2,850
2026-07-03
—
townhomes
3
3
1,328
$2,750
2026-05-20
—
townhomes
3
3
1,530
$3,000
2026-07-17
—
townhomes
3
3
1,393
$2,600
2026-04-10
—
townhomes
3
3
1,651
$3,200
2026-06-21
—
townhomes
3
3
1,331
$2,680
2026-08-03
—
townhomes
3
3
1,434
$2,900
2026-06-27
—
townhomes
3
3
1,331
$2,850
2026-06-09
—
townhomes
3
3
1,328
$2,700
2026-04-18
—
townhomes
3
3
1,328
$2,700
2026-03-24
—
townhomes
3
3
1,706
$2,800
2026-06-08
—
townhomes
3
3
1,870
$2,800
2026-08-28
—
townhomes
3
3
1,545
$2,700
2026-08-30
—
townhomes
3
3
1,890
$2,990
2026-08-31
—
townhomes
3
3
1,393
$2,500
2026-09-01
—
townhomes
3
3
1,599
$3,300
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.