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
$375,000
Down payment (20.0%)
$75,000
Loan amount
$300,000
Closing costs (5.0%)
$18,750
Total cash to close
$93,750
Income
Rent (comp-derived)
$2,457$29,484
Vacancy loss (8.0%)
Effective gross income
$2,260$27,125
Operating expenses
Property tax (placeholder 1.9% of price)
$594$7,125
Insurance (est. scaled by flood & wind risk)
$400$4,800
HOA dues
$621$7,452
Management (0.0% of EGI)
$0$0
Maintenance (5.0% of GSR)
$123$1,474
Total operating expenses
$1,738$20,851
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)
$123$1,474
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
apartment
2
1
885
$2,155
—
—
apartment
2
2
1,056
$2,502
—
—
apartment
2
2
1,056
$2,447
—
—
apartment
2
2
800
$2,095
2025-12-26
—
apartment
2
1
1,000
$2,000
2025-05-08
—
apartment
2
2
850
$2,250
2025-10-09
—
condos
2
1
763
$1,995
2026-07-11
—
condos
2
2
1,090
$2,600
2026-08-14
—
condos
2
2
1,100
$2,600
2026-08-13
—
condos
2
2
850
$2,200
2026-07-15
—
condos
2
2
1,090
$2,375
2026-06-22
—
condos
2
2
790
$2,550
2026-08-07
—
condos
2
1
816
$2,150
2026-05-28
—
condos
2
2
1,030
$2,200
2026-08-08
—
condos
2
2
1,020
$2,400
2026-08-09
—
condos
2
2
790
$2,300
2026-07-30
—
condos
2
2
918
$2,200
2026-03-18
—
condos
2
1
770
$1,900
2026-08-24
—
condos
2
3
1,085
$2,500
2026-08-25
—
condos
2
2
1,090
$2,650
2026-06-17
—
condos
2
1
753
$1,900
2026-02-27
—
apartment
2
1
770
$1,980
2026-07-06
—
condos
2
2
852
$1,950
2026-01-26
—
condos
2
2
930
$2,450
2026-07-05
—
condos
2
2
890
$2,100
2026-05-08
—
condos
2
1
900
$2,200
2026-08-05
—
condos
2
1
843
$1,950
2026-06-03
—
apartment
2
3
1,150
$3,095
2026-08-12
—
condos
2
2
852
$2,150
2026-07-24
—
apartment
2
2
850
$2,295
2025-09-14
—
condos
2
2
1,060
$3,020
2026-08-03
—
condos
2
2
981
$3,099
2026-08-03
—
condos
2
2
1,086
$3,170
2026-08-03
—
apartment
2
2
1,100
$2,175
—
—
condos
2
2
1,095
$2,099
2026-08-04
—
apartment
2
2
1,100
$2,249
—
—
apartment
2
2
1,060
$3,100
—
—
apartment
2
2
1,086
$3,265
—
—
apartment
2
2
918
$2,600
—
—
apartment
2
1
980
$2,099
—
—
apartment
2
2
1,080
$2,395
—
—
apartment
2
2
1,014
$2,457
—
—
apartment
2
2
960
$2,370
2026-08-07
—
apartment
2
2
1,100
$2,175
—
—
apartment
2
2
1,288
$2,774
—
—
apartment
2
1
980
$2,099
—
—
apartment
2
2
1,263
$2,905
—
—
apartment
2
2
981
$2,969
—
—
apartment
2
2
1,263
$3,381
—
—
apartment
2
2
1,060
$3,220
—
—
apartment
2
2
1,060
$3,170
—
—
apartment
2
2
1,209
$2,944
—
—
apartment
2
3
1,426
$3,406
—
—
apartment
2
2
1,100
$2,195
—
—
apartment
2
2
1,414
$3,256
—
—
apartment
2
2
980
$2,350
2026-06-29
—
apartment
2
1
885
$2,180
—
—
apartment
2
2
1,056
$2,691
—
—
apartment
2
2
1,080
$2,425
—
—
apartment
2
2
981
$3,099
—
—
apartment
2
2
981
$3,099
—
—
apartment
2
2
1,086
$3,370
—
—
apartment
2
1
980
$2,149
—
—
apartment
2
2
1,060
$3,150
—
—
apartment
2
2
1,056
$2,626
—
—
apartment
2
1
980
$2,099
—
—
apartment
2
1
980
$2,099
—
—
apartment
2
2
1,050
$2,370
—
—
apartment
2
2
1,050
$2,315
—
—
condos
2
1
875
$2,502
—
—
condos
2
2
1,000
$2,413
—
—
apartment
2
2
1,050
$2,335
—
—
apartment
2
2
1,169
$2,929
—
—
apartment
2
2
1,209
$2,684
—
—
apartment
2
2
1,050
$2,385
—
—
apartment
2
2
1,209
$2,794
—
—
apartment
2
2
1,169
$2,856
—
—
apartment
2
2
1,100
$2,249
—
—
apartment
2
2
1,209
$2,754
—
—
apartment
2
2
1,278
$3,071
—
—
apartment
2
2
1,278
$3,131
—
—
apartment
2
2
1,158
$3,126
—
—
apartment
2
2
1,198
$3,161
—
—
apartment
2
2
1,278
$3,121
—
—
condos
2
2
1,000
$2,500
2026-06-04
—
apartment
2
2
1,086
$3,220
—
—
apartment
2
2
1,060
$3,200
—
—
apartment
2
2
1,357
$3,146
—
—
apartment
2
2
1,414
$3,156
—
—
apartment
2
2
1,086
$3,365
—
—
apartment
2
2
1,050
$2,295
—
—
condos
2
2
1,147
$2,700
2026-08-27
—
apartment
2
2
1,060
$3,150
—
—
apartment
2
2
1,060
$3,150
—
—
condos
2
2
1,095
$2,300
2026-08-28
—
condos
2
2
1,020
$2,350
2026-07-24
—
condos
2
2
850
$2,400
2026-08-29
—
condos
2
1
816
$2,400
2026-08-29
—
condos
2
2
890
$2,100
2026-08-30
—
condos
2
2
980
$2,535
2026-09-01
—
condos
2
2
1,086
$3,175
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.