2543 SW 15th St
Miami, FL 33145 · single_family · Pending — under contract · 49 days on market
Asking price$1,175,000
5 beds 3 baths 2,213 sqft
Listed by Jonathan Springer · LoKation® Real Estate
Typesingle_family
Built1939
Price / sqft$531
Est. value (own analysis)$1,260,901
Rent estimate (own analysis)$7,995/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeFlood3/10moderate$Air2/10MinorWildfire1/10Minimal
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Statusfor_sale
Listed date2026-07-15
Removed date—
MLSMiamiMLS #A12053504
Coordinates25.75902, -80.23748
Address2543 SW 15th St
CityMiami
StateFL
Zip33145
Listing ID6296386612
Sourceus-real-estate-listings, cached 2026-08-31
ZIP market snapshot (33145)
Typical home value (ZHVI)$735,527
Typical rent (ZORI)$3,018/mo
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 | $1,175,000 |
| Down payment (20.0%) | $235,000 |
| Loan amount | $940,000 |
| Closing costs (5.0%) | $58,750 |
| Total cash to close | $293,750 |
| Income | |
| Rent (comp-derived) | $7,995$95,940 |
| Vacancy loss (8.0%) | |
| Effective gross income | $7,355$88,265 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,860$22,325 |
| Insurance (est. scaled by flood & wind risk) | $1,253$15,040 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $400$4,797 |
| Total operating expenses | $3,514$42,162 |
| 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) | $400$4,797 |
| 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 |
|---|---|---|---|---|---|---|---|
| single_family | 5 | 3 | 3,174 | $7,995 | 2026-07-06 | — | |
| single_family | 5 | 6 | 4,496 | $22,500 | 2025-10-06 | — | |
| single_family | 5 | 2 | 1,898 | $5,700 | 2026-08-31 | — |
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 |
|---|---|---|---|---|---|---|
| 1712 SW 13th St | single_family | 5 | 3 | 2,514 | $822,000 | 2026-06-30 |
| 1721 SW 24th Ter | single_family | 5 | 4 | 1,951 | $975,000 | 2026-06-26 |
| 1511 SW 20th Ct | single_family | 5 | 2 | 2,020 | $1,150,000 | 2026-04-27 |
| 2606 SW 19th St | single_family | 5 | 5 | 2,999 | $2,250,000 | 2026-04-17 |
| 1401 SW 21st St | single_family | 5 | 3 | 2,479 | $1,265,000 | 2026-01-09 |
| 3000 SW 20th St | single_family | 5 | 4 | 2,636 | $2,250,000 | 2025-12-01 |
| 1242 SW 21st Ter | single_family | 5 | 3 | 1,438 | $820,000 | 2025-11-18 |
| 2021 SW 23rd St | single_family | 5 | 3 | 2,070 | $1,550,000 | 2025-09-05 |
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 |
|---|---|---|---|---|---|---|
| 2171 SW 21st St | single_family | 5 | 4 | 1,847 | $870,000 | — |
| 2239 SW 14th St | townhomes | 5 | 6 | 2,600 | $1,475,000 | — |
| 1791 SW 14th St | single_family | 5 | 3 | 1,903 | $1,160,000 | — |
| 2107 SW 31st Ave | single_family | 5 | 3 | 2,246 | $1,275,000 | — |
| 2153 SW 13th St | single_family | 5 | 3 | 2,864 | $1,490,000 | — |
| 1520 SW 22nd Ave | multi_family | 5 | 4 | 2,484 | $1,475,000 | — |
| 1760 SW 16th Ter | single_family | 5 | 4 | 2,164 | $1,595,000 | — |
| 2240 SW 13th St | single_family | 5 | 6 | 2,600 | $1,475,000 | — |
10-year hold projection
IRR3.2%
Equity multiple1.52x
Total return (10yr)$304,908
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $1,210,250 | $46,103 | -$31,182 | $929,808 | $280,442 |
| 2 | $1,246,558 | $47,697 | -$29,709 | $918,917 | $327,641 |
| 3 | $1,283,954 | $49,344 | -$28,184 | $907,277 | $376,677 |
| 4 | $1,322,473 | $51,045 | -$26,609 | $894,839 | $427,634 |
| 5 | $1,362,147 | $52,804 | -$24,979 | $881,546 | $480,601 |
| 6 | $1,403,011 | $54,621 | -$23,295 | $867,340 | $535,671 |
| 7 | $1,445,102 | $56,498 | -$21,554 | $852,159 | $592,943 |
| 8 | $1,488,455 | $58,437 | -$19,753 | $835,935 | $652,520 |
| 9 | $1,533,108 | $60,441 | -$17,892 | $818,597 | $714,512 |
| 10 | $1,579,102 | $62,511 | -$15,968 | $800,068 | $779,033 |
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.