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
$325,000
Down payment (20.0%)
$65,000
Loan amount
$260,000
Closing costs (5.0%)
$16,250
Total cash to close
$81,250
Income
Rent (comp-derived)
$4,071$48,852
Vacancy loss (8.0%)
Effective gross income
$3,745$44,944
Operating expenses
Property tax (placeholder 1.9% of price)
$515$6,175
Insurance (placeholder 0.8% of price)
$217$2,600
HOA dues
$1,845$22,140
Management (0.0% of EGI)
$0$0
Maintenance (5.0% of GSR)
$204$2,443
Total operating expenses
$2,780$33,358
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)
$204$2,443
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
2
2
1,811
$4,200
2026-08-10
—
condos
2
3
1,551
$3,200
2026-08-05
—
condos
2
3
1,462
$8,500
2026-07-19
—
condos
2
2
1,408
$3,800
2026-07-16
—
condos
2
3
1,571
$9,000
2026-07-08
—
condos
2
2
1,460
$2,975
2026-06-29
—
condos
2
3
1,551
$2,500
2026-06-17
—
condos
2
2
1,358
$3,050
2026-06-17
—
condos
2
2
1,811
$4,600
2026-05-11
—
condos
2
3
1,950
$4,000
2026-05-04
—
condos
2
3
1,285
$2,600
2026-04-07
—
condos
2
2
1,353
$2,600
2026-02-02
—
condos
2
2
1,638
$3,800
2026-08-22
—
condos
2
2
1,121
$4,082
2026-04-14
—
condos
2
2
1,377
$3,550
2026-03-12
—
condos
2
2
1,638
$5,500
2025-08-27
—
condos
2
2
1,638
$3,800
—
—
condos
2
2
1,811
$4,200
—
—
apartment
2
2
1,074
$3,629
—
—
apartment
2
2
1,107
$3,989
—
—
condos
2
3
1,571
$8,000
2026-08-28
—
condos
2
2
1,124
$3,100
2026-08-28
—
condos
2
2
1,200
$3,200
2026-06-22
—
condos
2
2
1,070
$1,875
2025-09-22
—
condos
2
2
1,158
$2,750
2026-08-18
—
apartment
2
3
1,758
$3,300
2026-06-11
—
condos
2
2
1,070
$1,898
2026-03-05
—
condos
2
2
1,763
$3,500
2026-08-24
—
condos
2
2
1,164
$2,300
2026-03-30
—
condos
2
2
1,224
$2,100
2026-07-08
—
condos
2
2
1,743
$3,200
2026-08-25
—
condos
2
2
1,760
$2,800
2026-08-12
—
condos
2
2
1,464
$2,500
2026-07-11
—
condos
2
2
1,088
$3,978
2026-04-07
—
condos
2
2
1,070
$2,300
2026-04-11
—
condos
2
3
1,758
$2,950
2026-03-11
—
condos
2
2
1,181
$2,825
2026-07-09
—
condos
2
2
1,190
$2,500
2026-08-19
—
condos
2
2
1,097
$3,300
2026-08-18
—
condos
2
2
1,224
$2,000
2026-05-26
—
condos
2
2
1,188
$2,700
2026-06-30
—
condos
2
3
1,481
$9,000
2026-08-17
—
condos
2
2
1,763
$3,500
2026-07-07
—
condos
2
3
1,531
$5,410
2026-03-11
—
condos
2
2
1,170
$3,500
2026-06-17
—
condos
2
2
1,141
$2,700
2026-07-09
—
condos
2
2
1,165
$3,500
2026-05-08
—
condos
2
2
1,088
$4,223
2026-07-27
—
condos
2
2
1,173
$4,209
2026-08-18
—
apartment
2
3
1,603
$3,300
2026-07-02
—
condos
2
2
1,165
$3,200
2026-06-08
—
condos
2
2
1,165
$4,306
2026-07-14
—
condos
2
3
1,571
$9,000
2026-07-24
—
condos
2
2
1,763
$3,500
—
—
apartment
2
3
1,285
$4,715
—
—
apartment
2
2
1,065
$2,896
—
—
apartment
2
2
1,082
$3,964
—
—
apartment
2
2
1,201
$4,252
—
—
apartment
2
2
1,201
$4,242
—
—
apartment
2
2
1,201
$4,377
—
—
apartment
2
2
1,088
$3,991
—
—
apartment
2
2
1,088
$3,991
—
—
apartment
2
2
1,088
$3,956
—
—
apartment
2
2
1,074
$3,944
—
—
apartment
2
2
1,082
$3,944
—
—
apartment
2
2
1,088
$3,946
—
—
apartment
2
2
1,088
$3,956
—
—
apartment
2
2
1,080
$3,889
—
—
apartment
2
2
1,088
$3,991
—
—
apartment
2
2
1,121
$3,979
—
—
apartment
2
2
1,088
$3,991
—
—
apartment
2
3
1,288
$4,413
—
—
apartment
2
2
1,173
$4,419
—
—
apartment
2
3
1,288
$4,847
—
—
apartment
2
3
1,246
$4,167
—
—
apartment
2
2
1,088
$4,101
—
—
apartment
2
2
1,088
$4,001
—
—
apartment
2
2
1,088
$4,011
—
—
apartment
2
2
1,088
$4,001
—
—
apartment
2
2
1,165
$4,245
—
—
apartment
2
2
1,173
$4,109
—
—
apartment
2
2
1,088
$4,001
—
—
apartment
2
2
1,088
$4,091
—
—
apartment
2
2
1,088
$4,021
—
—
apartment
2
2
1,088
$4,231
—
—
apartment
2
2
1,173
$4,149
—
—
apartment
2
2
1,088
$4,011
—
—
apartment
2
2
1,088
$4,091
—
—
apartment
2
2
1,173
$4,129
—
—
apartment
2
2
1,173
$4,119
—
—
apartment
2
2
1,173
$4,064
—
—
apartment
2
3
1,246
$4,183
—
—
apartment
2
2
1,173
$4,139
—
—
apartment
2
2
1,088
$4,111
—
—
apartment
2
2
1,088
$4,071
—
—
apartment
2
2
1,088
$4,081
—
—
apartment
2
2
1,121
$4,263
—
—
apartment
2
2
1,173
$4,144
—
—
apartment
2
2
1,088
$4,036
—
—
apartment
2
2
1,088
$4,031
—
—
apartment
2
2
1,088
$4,091
—
—
apartment
2
2
1,173
$4,054
—
—
apartment
2
2
1,088
$4,311
—
—
apartment
2
2
1,088
$4,111
—
—
apartment
2
2
1,173
$4,099
—
—
apartment
2
2
1,173
$4,109
—
—
apartment
2
2
1,088
$4,021
—
—
apartment
2
2
1,088
$4,101
—
—
apartment
2
2
1,088
$4,316
—
—
apartment
2
2
1,088
$4,036
—
—
apartment
2
2
1,088
$4,021
—
—
apartment
2
2
1,173
$4,199
—
—
apartment
2
2
1,088
$4,001
—
—
apartment
2
2
1,088
$4,031
—
—
apartment
2
2
1,165
$4,430
—
—
apartment
2
2
1,201
$4,397
—
—
apartment
2
2
1,201
$4,467
—
—
apartment
2
2
1,165
$4,440
—
—
apartment
2
2
1,201
$4,367
—
—
apartment
2
2
1,088
$4,366
—
—
apartment
2
2
1,088
$4,476
—
—
apartment
2
2
1,088
$4,476
—
—
apartment
2
2
1,088
$4,476
—
—
apartment
2
2
1,201
$4,607
—
—
apartment
2
2
1,201
$4,612
—
—
apartment
2
2
1,201
$4,632
—
—
apartment
2
3
1,285
$4,685
—
—
apartment
2
2
1,201
$4,607
—
—
apartment
2
2
1,201
$4,622
—
—
apartment
2
2
1,173
$4,664
—
—
apartment
2
3
1,531
$5,705
—
—
apartment
2
3
1,531
$5,640
—
—
apartment
2
3
1,531
$5,685
—
—
apartment
2
3
1,531
$5,685
—
—
apartment
2
3
1,531
$5,640
—
—
apartment
2
3
1,531
$5,705
—
—
apartment
2
3
1,531
$5,915
—
—
apartment
2
2
1,121
$4,235
—
—
condos
2
2
1,310
$2,700
2026-08-29
—
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.
