| Acquisition (one-time, not monthly/yearly) | |
| Purchase price | $1,100,000 |
| Down payment (20.0%) | $220,000 |
| Loan amount | $880,000 |
| Closing costs (5.0%) | $55,000 |
| Total cash to close | $275,000 |
| Income | |
| Rent (comp-derived) | $20,000$240,000 |
| Vacancy loss (8.0%) | |
| Effective gross income | $18,400$220,800 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,742$20,900 |
| Insurance (est. scaled by flood & wind risk) | $1,283$15,400 |
| HOA dues | $65$780 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $1,000$12,000 |
| Total operating expenses | $4,090$49,080 |
| 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) | $1,000$12,000 |
| Mortgage insurance (PMI) (0.0% of loan, not required — down payment ≥ 20%) | $0$0 |
| Cash flow |
Widened to city-wide. Real active rental listings, used to derive the rent estimate above.
| Address | Type | Beds | Baths | Sqft | Asking rent | Listed | Days on market |
|---|---|---|---|---|---|---|---|
| single_family | 7 | 7 | 5,119 | $13,990 | 2026-06-17 | — | |
| single_family | 7 | 9 | 5,797 | $27,000 | 2026-07-29 | — | |
| single_family | 7 | 5 | 1,107 | $15,000 | 2025-10-28 | — | |
| single_family | 7 | 7 | 8,000 | $25,000 | 2026-09-01 | — |
Widened to any bedroom count in ZIP. 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 |
|---|---|---|---|---|---|---|
| 14250 SW 85th St | single_family | 4 | 3 | 1,763 | $850,000 | 2026-08-10 |
| 6661 SW 127th Path | single_family | 3 | 2 | 1,412 | $620,000 | 2026-07-30 |
| 12391 SW 75th St | single_family | 6 | 4 | 3,408 | $1,723,000 | 2026-07-29 |
| 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 |
| 7261 SW 120th Ave | single_family | 6 | 5 | 4,256 | $1,930,000 | 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 |
| 14241 SW 83rd St | single_family | 4 | 2 | 1,864 | $900,000 | 2026-07-08 |
| 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 |
| 5991 SW 118th Ave | single_family | 5 | 3 | 3,031 | $234,100 | 2026-06-24 |
| 13615 SW 72nd Ter | single_family | 3 | 2 | 1,612 | $790,000 | 2026-06-12 |
| 13242 SW 62nd Ter | single_family | 4 | 2 | 1,726 | $550,000 | 2026-06-12 |
| 6061 SW 128th Ct | single_family | 3 | 2 | 1,552 | $560,000 | 2026-06-11 |
| 14245 SW 75th Ter | single_family | 4 | 2 | 1,824 | $570,000 | 2026-06-10 |
| 7104 SW 132nd Ct | single_family | 4 | 2 | 1,330 | $660,000 | 2026-06-01 |
| 13741 SW 72nd Ter | single_family | 4 | 2 | 1,757 | $820,000 | 2026-05-29 |
| 13274 SW 62nd Ter | single_family | 4 | 2 | 1,694 | $650,000 | 2026-05-26 |
| 7916 SW 140th Ave | single_family | 3 | 2 | 2,118 | $700,000 | 2026-05-13 |
| 12930 SW 83rd St | single_family | 4 | 2 | 2,135 | $760,000 | 2026-05-12 |
| 12755 SW 60th Ln | single_family | 3 | 2 | 1,419 | $720,500 | 2026-05-12 |
| 7755 SW 127th Ct | single_family | 4 | 2 | 2,097 | $815,000 | 2026-05-06 |
| 6103 SW 130th Ave | single_family | 4 | 2 | 1,880 | $630,000 | 2026-05-01 |
| 13800 SW 73rd St | single_family | 4 | 3 | 1,300 | $670,000 | 2026-04-30 |
| 7233 SW 122nd Pl | single_family | 5 | 4 | 3,797 | $2,200,000 | 2026-04-24 |
| 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 |
| 13100 SW 83rd St | single_family | 4 | 2 | 1,385 | $722,500 | 2026-04-17 |
| 13231 SW 86th St | single_family | 3 | 2 | 1,653 | $645,000 | 2026-04-14 |
| 14530 SW 77th St | single_family | 4 | 2 | 1,895 | $780,000 | 2026-04-13 |
| 12005 SW 64th St | single_family | 4 | 3 | 4,545 | $4,150,000 | 2026-04-10 |
| 7825 SW 127th Ct | single_family | 6 | 4 | 2,268 | $820,000 | 2026-04-09 |
| 13320 SW 60th Ter | single_family | 2 | 2 | 962 | $335,000 | 2026-04-09 |
| 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 |
| 12175 SW 80th St | single_family | 5 | 5 | 5,387 | $2,800,000 | 2026-04-06 |
| 6721 SW 135th Ave | single_family | 3 | 2 | 1,656 | $750,000 | 2026-04-02 |
| 14634 SW 59th Ter | single_family | 4 | 2 | 2,070 | $660,000 | 2026-03-23 |
| 12681 SW 78th St | single_family | 6 | 4 | 3,300 | $1,550,000 | 2026-03-20 |
| 7322 SW 134th Pl | single_family | 3 | 2 | 1,612 | $710,000 | 2026-03-16 |
| 13605 SW 73rd Ter | single_family | 4 | 2 | 1,537 | $680,000 | 2026-03-12 |
| 7904 SW 139th Ct | single_family | 3 | 2 | 1,525 | $849,000 | 2026-03-09 |
| 6255 SW 123rd Ave | single_family | 2 | 2 | 1,257 | $1,850,000 | 2026-02-20 |
| 13951 SW 72nd Ter | single_family | 5 | 3 | 2,651 | $850,000 | 2026-02-17 |
| 13239 SW 85th Ter | single_family | 3 | 2 | 1,629 | $750,000 | 2026-02-13 |
| 7441 SW 125th Ave | single_family | 5 | 4 | 3,246 | $1,540,000 | 2026-02-13 |
| 6481 SW 129th Ave | single_family | 2 | 2 | 1,170 | $460,000 | 2026-02-11 |
| 12728 SW 64th Ter | single_family | 4 | 3 | 1,819 | $750,000 | 2026-02-09 |
| 7700 SW 137th Ct | single_family | 3 | 2 | 1,713 | $778,500 | 2026-01-30 |
Widened to city-wide. 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 |
|---|---|---|---|---|---|---|
| 7745 SW 54th Ave | single_family | 7 | 9 | 5,797 | $5,395,000 | — |
| 12231 SW 1st St | single_family | 7 | 6 | 4,731 | $1,550,000 | — |
| 12141 Walsh Blvd | single_family | 7 | 7 | 4,102 | $2,350,000 | — |
| 7930 SW 52nd Ct | single_family | 7 | 8 | 5,452 | $5,650,000 | — |
| 7855 SW 83rd Ct | single_family | 7 | 7 | 7,831 | $5,395,000 | — |
| 4640 Sunset Dr | single_family | 7 | 9 | 7,339 | $11,200,000 | — |
| 2835 SW 132nd Ave | single_family | 7 | 6 | 5,789 | $3,500,000 | — |
| 2027 SW 58th Ave | multi_family | 7 | 4 | 3,208 | $775,000 | — |
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $1,133,000 | $171,720 | $91,859 | $870,459 | $262,541 |
| 2 | $1,166,990 | $177,117 | $96,956 | $860,262 | $306,728 |
| 3 | $1,202,000 | $182,682 | $102,213 | $849,366 | $352,634 |
| 4 | $1,238,060 | $188,420 | $107,636 | $837,721 | $400,339 |
| 5 | $1,275,201 | $194,337 | $113,230 | $825,276 | $449,925 |
| 6 | $1,313,458 | $200,438 | $119,000 | $811,977 | $501,480 |
| 7 | $1,352,861 | $206,729 | $124,951 | $797,765 | $555,096 |
| 8 | $1,393,447 | $213,215 | $131,090 | $782,576 | $610,871 |
| 9 | $1,435,251 | $219,904 | $137,421 | $766,345 | $668,905 |
| 10 | $1,478,308 | $226,800 | $143,952 | $748,999 | $729,309 |