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
$645,000
Down payment (20.0%)
$129,000
Loan amount
$516,000
Closing costs (5.0%)
$32,250
Total cash to close
$161,250
Income
Rent (comp-derived)
$5,825$69,900
Vacancy loss (8.0%)
Effective gross income
$5,359$64,308
Operating expenses
Property tax (placeholder 1.9% of price)
$1,021$12,255
Insurance (placeholder 0.8% of price)
$430$5,160
HOA dues
$235$2,820
Management (0.0% of EGI)
$0$0
Maintenance (5.0% of GSR)
$291$3,495
Total operating expenses
$1,978$23,730
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)
$291$3,495
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
townhomes
3
2
1,754
$3,300
2026-09-01
—
townhomes
3
4
2,509
$6,450
2026-08-04
—
townhomes
3
3
1,700
$5,200
2026-08-19
—
townhomes
3
4
3,104
$18,000
2026-08-25
—
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
5772 SW 74 TER
TOTAL VALUE : TOWNHOUSE
3
2
1,702
$847,000
2024-05-16
5784 SW 74 TER
TOTAL VALUE : TOWNHOUSE
3
2
1,702
$985,000
2023-09-08
5770 SW 74 TER
TOTAL VALUE : TOWNHOUSE
3
2
1,702
$850,000
2023-07-27
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.