| Acquisition (one-time, not monthly/yearly) | |
| Purchase price | $815,000 |
| Down payment (20.0%) | $163,000 |
| Loan amount | $652,000 |
| Closing costs (5.0%) | $40,750 |
| Total cash to close | $203,750 |
| Income | |
| Rent (comp-derived) | $2,900$34,800 |
| Vacancy loss (8.0%) | |
| Effective gross income | $2,668$32,016 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,290$15,485 |
| Insurance (placeholder 0.8% of price) | $543$6,520 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $145$1,740 |
| Total operating expenses | $1,979$23,745 |
| 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) | $145$1,740 |
| Mortgage insurance (PMI) (0.0% of loan, not required — down payment ≥ 20%) | $0$0 |
| Cash flow |
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 | 3 | 3 | 1,220 | $2,800 | — | — | |
| single_family | 3 | 2 | 1,308 | $2,900 | — | — | |
| single_family | 3 | 3 | 1,472 | $3,100 | — | — | |
| single_family | 3 | 3 | 1,560 | $3,200 | — | — | |
| single_family | 3 | 3 | 1,190 | $2,800 | — | — |
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 |
|---|---|---|---|---|---|---|
| 6661 SW 127th Path | single_family | 3 | 2 | 1,412 | $620,000 | 2026-07-30 |
| 7241 SW 130th Ave | single_family | 3 | 2 | 1,612 | $600,000 | 2026-07-15 |
| 7707 SW 140th Ct | single_family | 3 | 2 | 1,957 | $685,000 | 2026-07-10 |
| 12965 SW 76th Ter | single_family | 3 | 2 | 1,612 | $710,000 | 2026-07-09 |
| 13010 SW 80th St | single_family | 3 | 2 | 1,875 | $675,000 | 2026-07-09 |
| 7004 SW 139th Pl | single_family | 3 | 2 | 1,787 | $785,000 | 2026-07-06 |
| 12845 SW 72nd Ter | single_family | 3 | 3 | 1,672 | $760,000 | 2026-06-26 |
| 13615 SW 72nd Ter | single_family | 3 | 2 | 1,612 | $790,000 | 2026-06-12 |
| 6061 SW 128th Ct | single_family | 3 | 2 | 1,552 | $560,000 | 2026-06-11 |
| 7916 SW 140th Ave | single_family | 3 | 2 | 2,118 | $700,000 | 2026-05-13 |
| 12755 SW 60th Ln | single_family | 3 | 2 | 1,419 | $720,500 | 2026-05-12 |
| 12894 SW 60th Ter | single_family | 3 | 3 | 2,022 | $770,000 | 2026-04-22 |
| 6815 SW 134th Ct | single_family | 3 | 2 | 1,558 | $710,000 | 2026-04-20 |
| 13231 SW 86th St | single_family | 3 | 2 | 1,653 | $645,000 | 2026-04-14 |
| 6611 SW 127th Path | single_family | 3 | 2 | 1,412 | $425,000 | 2026-04-08 |
| 8650 SW 133rd Avenue Rd | single_family | 3 | 2 | 1,040 | $220,000 | 2026-04-06 |
| 6721 SW 135th Ave | single_family | 3 | 2 | 1,656 | $750,000 | 2026-04-02 |
| 7322 SW 134th Pl | single_family | 3 | 2 | 1,612 | $710,000 | 2026-03-16 |
| 7904 SW 139th Ct | single_family | 3 | 2 | 1,525 | $849,000 | 2026-03-09 |
| 13239 SW 85th Ter | single_family | 3 | 2 | 1,629 | $750,000 | 2026-02-13 |
| 7700 SW 137th Ct | single_family | 3 | 2 | 1,713 | $778,500 | 2026-01-30 |
| 8181 SW 118th Ct | single_family | 3 | 2 | 1,800 | $570,000 | 2026-01-30 |
| 14540 SW 77th St | single_family | 3 | 2 | 1,984 | $850,000 | 2025-12-22 |
| 7304 SW 127th Ct | single_family | 3 | 2 | 1,275 | $570,000 | 2025-12-16 |
| 8625 SW 133rd Road Pl | single_family | 3 | 2 | 1,629 | $679,000 | 2025-12-12 |
| 12920 SW 81st St | single_family | 3 | 2 | 1,748 | $740,000 | 2025-12-08 |
| 7501 SW 138th Ct | single_family | 3 | 2 | 1,873 | $750,000 | 2025-12-02 |
| 12868 SW 61st St | single_family | 3 | 2 | 1,491 | $585,000 | 2025-11-18 |
| 5663 SW 130th Ave | single_family | 3 | 2 | 2,162 | $735,000 | 2025-11-10 |
| 7520 SW 141st Ave | single_family | 3 | 2 | 1,525 | $125,000 | 2025-10-28 |
| 7124 SW 134th Ct | single_family | 3 | 2 | 985 | $620,000 | 2025-10-10 |
| 12732 SW 68th Ter | single_family | 3 | 3 | 1,472 | $545,000 | 2025-10-09 |
| 13440 SW 81st St | single_family | 3 | 2 | 1,596 | $649,000 | 2025-09-25 |
| 7824 SW 118th Ct | single_family | 3 | 2 | 2,327 | $600,000 | 2025-09-10 |
| 12749 SW 71st Ter | single_family | 3 | 3 | 1,472 | $560,000 | 2025-09-03 |
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 |
|---|---|---|---|---|---|---|
| 6466 SW 130th Pl Apt 902 | townhomes | 3 | 2 | 1,150 | $367,000 | — |
| 13863 SW 62nd Ter | townhomes | 3 | 3 | 1,308 | $449,000 | — |
| 6834 SW 127th Pl | townhomes | 3 | 3 | 1,472 | $559,999 | — |
| 8351 SW 124th Ave Apt 106 | condos | 3 | 3 | 1,857 | $520,000 | — |
| 13517 SW 59th Ln | townhomes | 3 | 2 | 1,290 | $469,000 | — |
| 8520 SW 133rd Ave Rd Apt 406 | condos | 3 | 2 | 1,040 | $295,500 | — |
| 11969 SW 81st St | townhomes | 3 | 2 | 1,746 | $595,000 | — |
| 7241 SW 137th Ct | single_family | 3 | 2 | 1,776 | $720,000 | — |
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $839,450 | $8,271 | -$43,748 | $644,931 | $194,519 |
| 2 | $864,634 | $8,638 | -$43,425 | $637,376 | $227,257 |
| 3 | $890,573 | $9,019 | -$43,089 | $629,303 | $261,270 |
| 4 | $917,290 | $9,414 | -$42,739 | $620,675 | $296,615 |
| 5 | $944,808 | $9,824 | -$42,376 | $611,455 | $333,354 |
| 6 | $973,153 | $10,250 | -$41,998 | $601,601 | $371,551 |
| 7 | $1,002,347 | $10,692 | -$41,605 | $591,071 | $411,276 |
| 8 | $1,032,418 | $11,150 | -$41,197 | $579,818 | $452,600 |
| 9 | $1,063,390 | $11,626 | -$40,773 | $567,792 | $495,598 |
| 10 | $1,095,292 | $12,119 | -$40,333 | $554,940 | $540,352 |