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
$365,000
Down payment (20.0%)
$73,000
Loan amount
$292,000
Closing costs (5.0%)
$18,250
Total cash to close
$91,250
Income
Rent (comp-derived)
$3,100$37,200
Vacancy loss (8.0%)
Effective gross income
$2,852$34,224
Operating expenses
Property tax (placeholder 1.9% of price)
$578$6,935
Insurance (placeholder 0.8% of price)
$243$2,920
HOA dues
$957$11,484
Management (0.0% of EGI)
$0$0
Maintenance (5.0% of GSR)
$155$1,860
Total operating expenses
$1,933$23,199
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)
$155$1,860
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
condos
1
1
733
$2,800
2026-08-21
—
condos
1
1
551
$4,600
2026-08-21
—
condos
1
1
551
$4,290
2026-08-19
—
condos
1
1
446
$2,690
2026-08-19
—
condos
1
1
639
$2,900
2026-08-19
—
condos
1
1
704
$2,850
2026-08-18
—
condos
1
1
691
$3,000
2026-08-18
—
condos
1
1
628
$3,250
2026-08-18
—
condos
1
1
446
$2,650
2026-08-17
—
condos
1
2
700
$3,200
2026-08-17
—
condos
1
1
630
$3,200
2026-08-16
—
condos
1
1
597
$3,200
2026-08-16
—
condos
1
1
540
$3,000
2026-08-14
—
condos
1
1
630
$2,600
2026-08-14
—
condos
1
1
544
$2,700
2026-08-12
—
condos
1
1
533
$2,500
2026-08-12
—
condos
1
1
628
$2,950
2026-08-11
—
condos
1
1
430
$2,690
2026-08-10
—
condos
1
1
628
$3,150
2026-08-10
—
condos
1
2
640
$2,900
2026-08-07
—
condos
1
1
688
$3,400
2026-08-07
—
apartment
1
1
526
$2,250
2026-08-07
—
condos
1
1
430
$2,600
2026-08-07
—
condos
1
2
690
$2,895
2026-08-05
—
condos
1
1
609
$2,450
2026-08-05
—
condos
1
2
710
$2,550
2026-07-22
—
condos
1
1
597
$3,400
2026-07-22
—
condos
1
1
533
$3,000
2026-07-21
—
condos
1
1
533
$3,000
2026-07-20
—
condos
1
1
639
$2,750
2026-07-20
—
condos
1
2
700
$2,800
2026-07-17
—
condos
1
1
630
$2,680
2026-07-16
—
apartment
1
1
526
$2,750
2026-07-16
—
condos
1
1
628
$3,200
2026-07-16
—
condos
1
2
644
$3,350
2026-07-15
—
condos
1
2
701
$3,950
2026-07-15
—
condos
1
1
650
$2,700
2026-07-15
—
condos
1
1
671
$2,875
2026-07-15
—
condos
1
2
719
$3,500
2026-07-13
—
condos
1
1
680
$4,500
2026-07-13
—
condos
1
1
605
$2,750
2026-07-11
—
condos
1
1
580
$2,200
2026-07-11
—
condos
1
1
671
$3,200
2026-07-08
—
condos
1
2
653
$3,900
2026-07-08
—
condos
1
2
710
$2,700
2026-07-06
—
apartment
1
1
701
$4,800
2026-07-06
—
condos
1
2
733
$3,100
2026-07-06
—
apartment
1
1
551
$5,000
2026-07-03
—
condos
1
1
526
$2,750
2026-07-02
—
condos
1
1
446
$2,750
2026-07-02
—
condos
1
1
688
$3,550
2026-06-29
—
condos
1
1
732
$3,400
2026-06-29
—
condos
1
1
696
$4,800
2026-06-23
—
condos
1
1
688
$3,400
2026-06-23
—
condos
1
2
700
$2,800
2026-06-23
—
condos
1
1
671
$2,800
2026-06-23
—
condos
1
1
533
$2,950
2026-06-22
—
condos
1
1
732
$5,000
2026-06-20
—
condos
1
1
551
$4,500
2026-06-20
—
condos
1
1
731
$3,100
2026-06-19
—
condos
1
1
640
$2,900
2026-06-18
—
condos
1
1
553
$2,100
2026-06-17
—
condos
1
2
696
$3,600
2026-06-17
—
condos
1
2
701
$3,900
2026-06-16
—
condos
1
1
644
$2,950
2026-06-12
—
condos
1
1
526
$2,900
2026-06-10
—
condos
1
1
732
$3,500
2026-06-06
—
condos
1
1
704
$3,100
2026-06-05
—
condos
1
2
679
$7,700
2026-06-05
—
condos
1
1
686
$4,800
2026-06-04
—
condos
1
1
732
$3,400
2026-06-02
—
condos
1
2
734
$3,090
2026-06-02
—
apartment
1
1
603
$2,000
2026-06-01
—
condos
1
1
650
$2,400
2026-05-26
—
apartment
1
2
701
$4,250
2026-05-25
—
condos
1
1
670
$3,500
2026-05-23
—
condos
1
1
551
$4,300
2026-05-22
—
condos
1
2
719
$2,650
2026-05-15
—
condos
1
1
674
$2,700
2026-05-14
—
condos
1
1
597
$3,500
2026-05-13
—
condos
1
2
719
$2,800
2026-05-09
—
condos
1
2
733
$3,050
2026-05-09
—
apartment
1
1
701
$4,250
2026-04-28
—
apartment
1
1
700
$4,500
2026-08-04
—
condos
1
1
732
$3,200
2026-08-04
—
condos
1
1
639
$2,950
2026-08-04
—
condos
1
1
732
$3,850
2026-08-04
—
condos
1
1
594
$1,975
2026-08-04
—
condos
1
1
564
$2,350
2026-08-04
—
condos
1
2
700
$3,100
2026-08-04
—
condos
1
1
682
$3,000
2026-08-03
—
condos
1
1
597
$3,200
2026-08-03
—
condos
1
1
665
$4,750
2026-08-03
—
condos
1
1
665
$4,400
2026-07-31
—
condos
1
1
731
$2,950
2026-07-30
—
condos
1
1
696
$4,500
2026-07-29
—
condos
1
1
640
$3,000
2026-07-29
—
condos
1
1
702
$3,250
2026-07-27
—
condos
1
1
607
$3,300
2025-11-15
—
condos
1
1
520
$2,500
2026-08-23
—
condos
1
1
553
$1,900
2026-08-24
—
condos
1
1
630
$2,650
2026-08-25
—
condos
1
1
630
$2,700
2026-08-25
—
condos
1
1
630
$2,700
2026-08-25
—
condos
1
1
526
$2,300
2026-08-24
—
condos
1
1
639
$3,200
2026-08-24
—
condos
1
2
700
$2,600
2026-03-19
—
condos
1
1
630
$2,400
2026-04-15
—
condos
1
2
733
$3,450
2026-08-24
—
condos
1
1
533
$2,300
2026-02-19
—
condos
1
1
446
$2,590
2026-01-12
—
condos
1
1
650
$2,800
2026-02-04
—
condos
1
2
600
$2,950
2025-07-17
—
condos
1
1
731
$2,800
2026-04-13
—
condos
1
1
630
$3,000
2026-02-11
—
condos
1
1
607
$2,800
2026-01-28
—
condos
1
1
533
$3,000
2026-03-06
—
condos
1
1
526
$2,550
2026-03-16
—
condos
1
1
533
$3,000
2022-07-02
—
condos
1
1
564
$2,900
2025-12-16
—
condos
1
1
644
$2,995
2026-03-13
—
apartment
1
1
551
$4,700
2026-03-24
—
condos
1
1
597
$3,500
2025-04-09
—
condos
1
2
710
$2,990
2026-04-14
—
condos
1
2
710
$3,400
2024-07-02
—
condos
1
1
670
$3,999
2026-04-22
—
condos
1
2
701
$4,000
2023-02-20
—
condos
1
1
670
$4,100
2026-03-16
—
condos
1
1
670
$4,400
2026-04-20
—
condos
1
1
551
$4,500
2026-03-20
—
condos
1
1
651
$5,900
2026-04-13
—
condos
1
2
700
$3,200
—
—
condos
1
1
732
$3,400
—
—
condos
1
1
694
$3,400
—
—
condos
1
2
640
$2,400
2026-08-27
—
condos
1
2
716
$3,650
2026-08-28
—
condos
1
1
544
$2,650
2026-08-27
—
condos
1
1
692
$3,200
2026-08-27
—
condos
1
1
628
$3,100
2026-08-26
—
condos
1
2
696
$3,900
2026-08-25
—
condos
1
2
696
$3,900
—
—
apartment
1
1
589
$2,845
—
—
apartment
1
1
681
$3,041
—
—
condos
1
1
640
$3,000
—
—
apartment
1
1
683
$2,800
—
—
condos
1
1
696
$4,500
—
—
apartment
1
1
695
$3,130
—
—
apartment
1
1
674
$3,125
—
—
apartment
1
1
683
$3,220
—
—
apartment
1
1
700
$3,248
—
—
apartment
1
1
674
$3,204
—
—
apartment
1
1
681
$3,460
—
—
apartment
1
1
695
$3,435
—
—
apartment
1
1
681
$3,460
—
—
apartment
1
1
681
$3,460
—
—
apartment
1
1
700
$3,380
—
—
apartment
1
1
695
$3,457
—
—
apartment
1
1
681
$3,460
—
—
condos
1
1
665
$4,750
—
—
apartment
1
1
688
$3,100
—
—
condos
1
1
731
$3,200
2026-08-28
—
condos
1
1
704
$2,800
2026-08-31
—
condos
1
1
702
$2,800
2026-08-31
—
condos
1
1
702
$3,300
2026-08-31
—
condos
1
1
699
$4,393
2026-08-31
—
condos
1
1
699
$5,962
2026-08-31
—
condos
1
1
731
$3,200
—
—
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.