| Acquisition (one-time, not monthly/yearly) | |
| Purchase price | $720,000 |
| Down payment (20.0%) | $144,000 |
| Loan amount | $576,000 |
| Closing costs (5.0%) | $36,000 |
| Total cash to close | $180,000 |
| Income | |
| Rent (comp-derived) | $2,900$34,800 |
| Vacancy loss (8.0%) | |
| Effective gross income | $2,668$32,016 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,140$13,680 |
| Insurance (placeholder 0.8% of price) | $480$5,760 |
| HOA dues | $67$804 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $145$1,740 |
| Total operating expenses | $1,832$21,984 |
| 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) | $145$1,740 |
| 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 | 3 | 3 | 1,220 | $2,800 | — | — | |
| single_family | 3 | 2 | 1,308 | $2,900 | — | — | |
| single_family | 3 | 3 | 1,472 | $3,100 | — | — | |
| single_family | 3 | 3 | 1,560 | $3,200 | — | — | |
| single_family | 3 | 3 | 1,190 | $2,800 | — | — |
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 |
|---|---|---|---|---|---|---|
| 6661 SW 127th Path | single_family | 3 | 2 | 1,412 | $620,000 | 2026-07-30 |
| 7241 SW 130th Ave | single_family | 3 | 2 | 1,612 | $600,000 | 2026-07-15 |
| 7707 SW 140th Ct | single_family | 3 | 2 | 1,957 | $685,000 | 2026-07-10 |
| 12965 SW 76th Ter | single_family | 3 | 2 | 1,612 | $710,000 | 2026-07-09 |
| 13010 SW 80th St | single_family | 3 | 2 | 1,875 | $675,000 | 2026-07-09 |
| 7004 SW 139th Pl | single_family | 3 | 2 | 1,787 | $785,000 | 2026-07-06 |
| 12845 SW 72nd Ter | single_family | 3 | 3 | 1,672 | $760,000 | 2026-06-26 |
| 13615 SW 72nd Ter | single_family | 3 | 2 | 1,612 | $790,000 | 2026-06-12 |
| 6061 SW 128th Ct | single_family | 3 | 2 | 1,552 | $560,000 | 2026-06-11 |
| 7916 SW 140th Ave | single_family | 3 | 2 | 2,118 | $700,000 | 2026-05-13 |
| 12755 SW 60th Ln | single_family | 3 | 2 | 1,419 | $720,500 | 2026-05-12 |
| 12894 SW 60th Ter | single_family | 3 | 3 | 2,022 | $770,000 | 2026-04-22 |
| 6815 SW 134th Ct | single_family | 3 | 2 | 1,558 | $710,000 | 2026-04-20 |
| 13231 SW 86th St | single_family | 3 | 2 | 1,653 | $645,000 | 2026-04-14 |
| 6611 SW 127th Path | single_family | 3 | 2 | 1,412 | $425,000 | 2026-04-08 |
| 8650 SW 133rd Avenue Rd | single_family | 3 | 2 | 1,040 | $220,000 | 2026-04-06 |
| 6721 SW 135th Ave | single_family | 3 | 2 | 1,656 | $750,000 | 2026-04-02 |
| 7322 SW 134th Pl | single_family | 3 | 2 | 1,612 | $710,000 | 2026-03-16 |
| 7904 SW 139th Ct | single_family | 3 | 2 | 1,525 | $849,000 | 2026-03-09 |
| 13239 SW 85th Ter | single_family | 3 | 2 | 1,629 | $750,000 | 2026-02-13 |
| 7700 SW 137th Ct | single_family | 3 | 2 | 1,713 | $778,500 | 2026-01-30 |
| 8181 SW 118th Ct | single_family | 3 | 2 | 1,800 | $570,000 | 2026-01-30 |
| 14540 SW 77th St | single_family | 3 | 2 | 1,984 | $850,000 | 2025-12-22 |
| 7304 SW 127th Ct | single_family | 3 | 2 | 1,275 | $570,000 | 2025-12-16 |
| 8625 SW 133rd Road Pl | single_family | 3 | 2 | 1,629 | $679,000 | 2025-12-12 |
| 12920 SW 81st St | single_family | 3 | 2 | 1,748 | $740,000 | 2025-12-08 |
| 7501 SW 138th Ct | single_family | 3 | 2 | 1,873 | $750,000 | 2025-12-02 |
| 12868 SW 61st St | single_family | 3 | 2 | 1,491 | $585,000 | 2025-11-18 |
| 5663 SW 130th Ave | single_family | 3 | 2 | 2,162 | $735,000 | 2025-11-10 |
| 7520 SW 141st Ave | single_family | 3 | 2 | 1,525 | $125,000 | 2025-10-28 |
| 7124 SW 134th Ct | single_family | 3 | 2 | 985 | $620,000 | 2025-10-10 |
| 12732 SW 68th Ter | single_family | 3 | 3 | 1,472 | $545,000 | 2025-10-09 |
| 13440 SW 81st St | single_family | 3 | 2 | 1,596 | $649,000 | 2025-09-25 |
| 7824 SW 118th Ct | single_family | 3 | 2 | 2,327 | $600,000 | 2025-09-10 |
| 12749 SW 71st Ter | single_family | 3 | 3 | 1,472 | $560,000 | 2025-09-03 |
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 |
|---|---|---|---|---|---|---|
| 14020 SW 83rd St | single_family | 3 | 2 | 1,472 | $815,000 | — |
| 6466 SW 130th Pl Apt 902 | townhomes | 3 | 2 | 1,150 | $367,000 | — |
| 13863 SW 62nd Ter | townhomes | 3 | 3 | 1,308 | $449,000 | — |
| 6834 SW 127th Pl | townhomes | 3 | 3 | 1,472 | $559,999 | — |
| 8351 SW 124th Ave Apt 106 | condos | 3 | 3 | 1,857 | $520,000 | — |
| 13517 SW 59th Ln | townhomes | 3 | 2 | 1,290 | $469,000 | — |
| 8520 SW 133rd Ave Rd Apt 406 | condos | 3 | 2 | 1,040 | $295,500 | — |
| 11969 SW 81st St | townhomes | 3 | 2 | 1,746 | $595,000 | — |
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $741,600 | $10,032 | -$36,126 | $569,755 | $171,845 |
| 2 | $763,848 | $10,443 | -$35,759 | $563,081 | $200,767 |
| 3 | $786,763 | $10,869 | -$35,378 | $555,949 | $230,815 |
| 4 | $810,366 | $11,310 | -$34,982 | $548,327 | $262,040 |
| 5 | $834,677 | $11,768 | -$34,571 | $540,181 | $294,496 |
| 6 | $859,718 | $12,242 | -$34,145 | $531,476 | $328,241 |
| 7 | $885,509 | $12,734 | -$33,702 | $522,174 | $363,335 |
| 8 | $912,074 | $13,244 | -$33,243 | $512,232 | $399,842 |
| 9 | $939,437 | $13,772 | -$32,767 | $501,608 | $437,828 |
| 10 | $967,620 | $14,319 | -$32,273 | $490,255 | $477,365 |