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225 SW 102nd Pl

Sweetwater, FL 33174 · single_family · For Sale · 13 days on market
Asking price$889,000
4 beds 3 baths 2,605 sqft
View on Realtor.com →
Listed by Ricardo Ramos · United Real Estate Miami
Typesingle_family
Built1977
Price / sqft$341
Est. value (own analysis)$945,224
Rent estimate (Zillow ZIP avg)$2,762/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeFlood3/10moderate$Air2/10MinorWildfire1/10Minimal
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Neighborhood

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Statusfor_sale
Listed date2026-08-20
Removed date—
MLSMiamiMLS #A12074871
Coordinates25.76638, -80.36210
Address225 SW 102nd Pl
CitySweetwater
StateFL
Zip33174
Listing ID6313045008
Sourceus-real-estate-listings, cached 2026-09-01

ZIP market snapshot (33174)

Typical home value (ZHVI)$448,390
Typical rent (ZORI)$2,762/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$889,000
Down payment (20.0%)$177,800
Loan amount$711,200
Closing costs (5.0%)$44,450
Total cash to close$222,250
Income
Rent (ZIP avg, ZORI — not bedroom-specific)$2,762$33,148
Vacancy loss (8.0%)

Vacancy Loss

Gross Scheduled Rent × Vacancy Rate

Gross scheduled rent (annual) comp$33,148
Vacancy rate (assumption) assumption8.0%

$33,148 × 8.0% = $2,652

Effective gross income$2,541$30,496
Operating expenses
Property tax (placeholder 1.9% of price)$1,408$16,891
Insurance (est. scaled by flood & wind risk)$948$11,379
HOA dues$0$0
Management (0.0% of EGI)$0$0
Maintenance (5.0% of GSR)$138$1,657
Total operating expenses$2,494$29,928
Net operating income (NOI)

Net Operating Income (NOI)

Effective Gross Income − Total Operating Expenses

Effective gross income derived$30,496
Total operating expenses derived$29,928

$30,496 − $29,928 = $569

Debt service & reserves
Debt service (6.66%, avg 30yr rate as of 2026-08-27, 30yr amortizing)

Monthly Principal & Interest

Standard amortization on the loan amount, at the effective rate and term

Loan amount derived$711,200
Interest rate (avg 30yr rate) comp6.7%
Term (assumption) assumption30 years

$711,200 amortized at 6.7% over 30 years = $4,570/mo

CapEx reserve (5.0% of GSR)$138$1,657
Mortgage insurance (PMI) (0.0% of loan, not required — down payment ≥ 20%)$0$0
Cash flow

Monthly Cash Flow

(NOI − Annual Debt Service − Annual CapEx Reserve − Annual PMI) ÷ 12

NOI derived$569
Annual debt service derived$54,844
Annual CapEx reserve assumption$1,657
Annual PMI assumption$0

($569 − $54,844 − $1,657 − $0) ÷ 12 = -$4,661

Cap rate

Cap Rate

NOI ÷ Purchase Price

NOI derived$569
Purchase price data$889,000

$569 ÷ $889,000 = 0.1%

Cash-on-cash

Cash-on-Cash Return

Annual Cash Flow ÷ Total Cash Invested

Annual cash flow derived-$55,933
Total cash to close derived$222,250

-$55,933 ÷ $222,250 = -25.2%

DSCR

Debt Service Coverage Ratio (DSCR)

NOI ÷ Annual Debt Service

NOI derived$569
Annual debt service derived$54,844

$569 ÷ $54,844 = 0.01

Rent-to-price (1% rule)

Rent-to-Price (the "1% rule")

(Gross Scheduled Rent ÷ 12) ÷ Purchase Price

Gross scheduled rent (annual) comp$33,148
Purchase price data$889,000

($33,148 ÷ 12) ÷ $889,000 = 0.3%

Gross rent multiplier

Gross Rent Multiplier (GRM)

Purchase Price ÷ Gross Scheduled Rent

Purchase price data$889,000
Gross scheduled rent (annual) comp$33,148

$889,000 ÷ $33,148 = 26.8

Operating expense ratio

Operating Expense Ratio

Total Operating Expenses ÷ Effective Gross Income

Total operating expenses derived$29,928
Effective gross income derived$30,496

$29,928 ÷ $30,496 = 98.1%

Break-even occupancy

Break-Even Occupancy

(Total OpEx + Annual Debt Service + Annual PMI) ÷ Gross Scheduled Rent

Total operating expenses derived$29,928
Annual debt service derived$54,844
Annual PMI assumption$0
Gross scheduled rent (annual) comp$33,148

($29,928 + $54,844 + $0) ÷ $33,148 = 255.7%

Comparables

Same ZIP. Real active rental listings, used to derive the rent estimate above.

AddressTypeBedsBathsSqftAsking rentListedDays on market
single_family431,475$3,300——
single_family431,478$4,200——

8986 W Flagler St Apt 9

Miami, 33174 · rent comp

Bedrooms / bathrooms4 bd / 3 ba
Square footage1,475
Listed—
Days on market—

Asking rent: $3,300

View on Zillow →

10317 SW 7th St

Miami, 33174 · rent comp

Bedrooms / bathrooms4 bd / 3 ba
Square footage1,478
Listed—
Days on market—

Asking rent: $4,200

View on Zillow →

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.

AddressTypeBedsBathsLiving sqftSale priceSale date
9724 SW 4th Tersingle_family421,987$835,0002026-08-17
8947 SW 12th Stsingle_family421,972$690,0002026-07-27
1519 SW 103rd Avesingle_family421,696$750,0002026-07-07
8922 SW 10th Tersingle_family422,481$890,0002026-06-22
8961 SW 6th Stsingle_family421,616$740,0002026-06-05
1220 SW 103rd Ctsingle_family422,698$775,0002026-06-02
660 SW 89th Ctsingle_family431,783$615,0002026-05-27
9961 SW 12th Stsingle_family422,271$768,0002026-05-18
1550 SW 89th Ctsingle_family432,011$1,160,0002026-05-15
9741 SW 3rd Stsingle_family422,498$830,0002026-05-06
10290 SW 7th Tersingle_family432,166$1,100,0002026-04-23
521 SW 99th Avesingle_family432,324$735,0002026-04-01
9730 SW 5th Stsingle_family422,414$725,0002026-03-11
1101 SW 102nd Ctsingle_family421,890$725,0002026-02-04
9645 SW 10th Tersingle_family432,314$930,0002026-01-22
10371 SW 5th Stsingle_family421,665$595,0002026-01-05
1331 SW 102nd Avesingle_family421,826$665,0002025-12-18
525 SW 87th Avesingle_family442,984$1,825,0002025-12-04
971 SW 88th Avesingle_family432,396$785,0002025-11-17
520 SW 90th Ctsingle_family441,818$690,0002025-10-21
8928 SW 6th Stsingle_family421,622$735,0002025-10-14
636 SW 88th Pl Esingle_family431,881$680,0002025-10-01
170 SW 104th Ctsingle_family421,707$635,0002025-09-26
9972 SW 4th Stsingle_family432,006$725,0002025-09-24

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.

AddressTypeBedsBathsSqftAsking priceDays on market
11016 SW 7th Stmulti_family421,595$679,900—
232 SW 102nd Avesingle_family432,334$789,900—
9840 SW 3rd Stsingle_family421,959$950,000—
11206 SW 1st Stsingle_family421,714$749,000—
11472 SW 4th Stsingle_family421,209$610,000—
8936 SW 11th Stsingle_family432,458$879,000—

10-year hold projection

IRR-6.9%
Equity multiple-0.16x
Total return (10yr)-$141,083
YearProperty valueNOICash flowLoan balanceEquity
1$915,670$569-$55,933$703,489$212,181
2$943,140$735-$55,808$695,249$247,892
3$971,434$911-$55,675$686,442$284,992
4$1,000,577$1,095-$55,534$677,031$323,546
5$1,030,595$1,289-$55,384$666,974$363,621
6$1,061,512$1,493-$55,226$656,226$405,287
7$1,093,358$1,707-$55,059$644,740$448,618
8$1,126,159$1,932-$54,882$632,465$493,694
9$1,159,943$2,168-$54,696$619,347$540,596
10$1,194,742$2,415-$54,499$605,328$589,413
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.
All figures are estimates for evaluation purposes only, not investment, tax, legal, or insurance advice. Property tax is estimated from a real matched tax bill or millage rate when available, a placeholder % of price otherwise; insurance is scaled by flood and wind risk where those are known and a flat percentage otherwise — never a real quote. Verify all of them, along with association restrictions and permit status, before committing capital. Rent estimates come from real comps or Zillow’s ZIP index, not appraisals.