13991 SW 159th Ter

Miami, FL 33177 · single_family · For Sale · 18 days on market
Asking price$790,000
4 beds 2 baths — sqft
Suggested offer$650,000$140,000 above the est. market value of $650,000.
View on Realtor.com →
Listed by Julie Ann Arancibia · Luxe Properties
Typesingle_family
Built1990
Price / sqft
Est. value (own analysis)$650,000
Rent estimate (own analysis)$3,563/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeFlood4/10moderate$Air2/10MinorWildfire1/10Minimal
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Neighborhood

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Statusfor_sale
Listed date2026-08-15
Removed date
MLSMiamiMLS #A12071693
Coordinates25.61934, -80.42069
Address13991 SW 159th Ter
CityMiami
StateFL
Zip33177
Listing ID6577676762
Sourceus-real-estate-listings, cached 2026-09-01

ZIP market snapshot (33177)

Typical home value (ZHVI)$574,510
Typical rent (ZORI)$2,784/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)

Purchase price$790,000
Down payment (20.0%)$158,000
Loan amount$632,000
Closing costs (5.0%)$39,500
Total cash to close$197,500
Rent (comp-derived)$3,563$42,750
Vacancy loss (8.0%)

Vacancy Loss

Gross Scheduled Rent × Vacancy Rate

Gross scheduled rent (annual) comp$42,750
Vacancy rate (assumption) assumption8.0%

$42,750 × 8.0% = $3,420

Effective gross income$3,278$39,330
Property tax (placeholder 1.9% of price)$1,251$15,010
Insurance (est. scaled by flood & wind risk)$843$10,112
HOA dues$0$0
Management (0.0% of EGI)$0$0
Maintenance (5.0% of GSR)$178$2,138
Total operating expenses$2,272$27,260
Net operating income (NOI)

Net Operating Income (NOI)

Effective Gross Income − Total Operating Expenses

Effective gross income derived$39,330
Total operating expenses derived$27,260

$39,330 − $27,260 = $12,071

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$632,000
Interest rate (avg 30yr rate) comp6.7%
Term (assumption) assumption30 years

$632,000 amortized at 6.7% over 30 years = $4,061/mo

CapEx reserve (5.0% of GSR)$178$2,138
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$12,071
Annual debt service derived$48,737
Annual CapEx reserve assumption$2,138
Annual PMI assumption$0

($12,071 − $48,737 − $2,138 − $0) ÷ 12 = -$3,234

Cap rate

Cap Rate

NOI ÷ Purchase Price

NOI derived$12,071
Purchase price data$790,000

$12,071 ÷ $790,000 = 1.5%

Cash-on-cash

Cash-on-Cash Return

Annual Cash Flow ÷ Total Cash Invested

Annual cash flow derived-$38,804
Total cash to close derived$197,500

-$38,804 ÷ $197,500 = -19.6%

DSCR

Debt Service Coverage Ratio (DSCR)

NOI ÷ Annual Debt Service

NOI derived$12,071
Annual debt service derived$48,737

$12,071 ÷ $48,737 = 0.25

Rent-to-price (1% rule)

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

(Gross Scheduled Rent ÷ 12) ÷ Purchase Price

Gross scheduled rent (annual) comp$42,750
Purchase price data$790,000

($42,750 ÷ 12) ÷ $790,000 = 0.5%

Gross rent multiplier

Gross Rent Multiplier (GRM)

Purchase Price ÷ Gross Scheduled Rent

Purchase price data$790,000
Gross scheduled rent (annual) comp$42,750

$790,000 ÷ $42,750 = 18.5

Operating expense ratio

Operating Expense Ratio

Total Operating Expenses ÷ Effective Gross Income

Total operating expenses derived$27,260
Effective gross income derived$39,330

$27,260 ÷ $39,330 = 69.3%

Break-even occupancy

Break-Even Occupancy

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

Total operating expenses derived$27,260
Annual debt service derived$48,737
Annual PMI assumption$0
Gross scheduled rent (annual) comp$42,750

($27,260 + $48,737 + $0) ÷ $42,750 = 177.8%

Comparables

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

AddressTypeBedsBathsSqftAsking rentListedDays on market
single_family421,333$3,5002026-08-19
single_family422,114$3,3702026-08-16
single_family442,537$7,0002026-08-10
single_family432,032$4,0002026-08-05
single_family432,412$3,8002026-07-20
single_family431,567$3,4992026-07-18
single_family421,315$3,0002026-07-16
single_family421,925$3,6502026-07-14
single_family421,479$3,5002026-07-14
single_family432,646$4,2452026-06-29
single_family432,260$4,2002026-06-17
single_family431,997$4,3002026-06-17
single_family422,800$3,5002026-07-30
single_family453,033$4,2502026-08-02
single_family421,800$2,990
single_family432,468$3,935
single_family432,477$3,6002026-08-24
single_family42$3,2002026-03-23
single_family421,734$3,3502026-04-21
single_family432,213$3,4502026-04-04
single_family421,743$5,9002026-02-20
single_family43$3,300
single_family421,313$2,800
single_family432,006$3,525
single_family432,141$4,0002026-08-28
single_family43$4,300

18116 SW 139th Pl Unit 0

Miami, 33177 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage1,333
Listed2026-08-19
Days on market

Asking rent: $3,500

View on Zillow →

18023 SW 139th Pl

Miami, 33177 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage2,114
Listed2026-08-16
Days on market

Asking rent: $3,370

View on Zillow →

14279 SW 166th St Unit 14279

Miami, 33177 · rent comp

Bedrooms / bathrooms4 bd / 4 ba
Square footage2,537
Listed2026-08-10
Days on market

Asking rent: $7,000

View on Zillow →

14101 SW 162nd St

Miami, 33177 · rent comp

Bedrooms / bathrooms4 bd / 3 ba
Square footage2,032
Listed2026-08-05
Days on market

Asking rent: $4,000

View on Zillow →

13249 SW 189th Ter Unit 13249

Miami, 33177 · rent comp

Bedrooms / bathrooms4 bd / 3 ba
Square footage2,412
Listed2026-07-20
Days on market

Asking rent: $3,800

View on Zillow →

13990 SW 160th Ter

Miami, 33177 · rent comp

Bedrooms / bathrooms4 bd / 3 ba
Square footage1,567
Listed2026-07-18
Days on market

Asking rent: $3,499

View on Zillow →

14326 SW 177th Ter

Miami, 33177 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage1,315
Listed2026-07-16
Days on market

Asking rent: $3,000

View on Zillow →

18011 SW 139th Ct

Miami, 33177 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage1,925
Listed2026-07-14
Days on market

Asking rent: $3,650

View on Zillow →

12271 SW 205th St

Miami, 33177 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage1,479
Listed2026-07-14
Days on market

Asking rent: $3,500

View on Zillow →

13989 SW 155th Ter

Miami, 33177 · rent comp

Bedrooms / bathrooms4 bd / 3 ba
Square footage2,646
Listed2026-06-29
Days on market

Asking rent: $4,245

View on Zillow →

14102 SW 167th Ter Unit 14102

Miami, 33177 · rent comp

Bedrooms / bathrooms4 bd / 3 ba
Square footage2,260
Listed2026-06-17
Days on market

Asking rent: $4,200

View on Zillow →

19452 SW 124th Ct Unit 0

Miami, 33177 · rent comp

Bedrooms / bathrooms4 bd / 3 ba
Square footage1,997
Listed2026-06-17
Days on market

Asking rent: $4,300

View on Zillow →

14511 SW 162nd St

Miami, 33177 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage2,800
Listed2026-07-30
Days on market

Asking rent: $3,500

View on Zillow →

18435 SW 136th Ave

Miami, 33177 · rent comp

Bedrooms / bathrooms4 bd / 5 ba
Square footage3,033
Listed2026-08-02
Days on market

Asking rent: $4,250

View on Zillow →

12651 SW 191st St

Miami, 33177 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage1,800
Listed
Days on market

Asking rent: $2,990

View on Zillow →

20370 SW 129th Pl

Miami, 33177 · rent comp

Bedrooms / bathrooms4 bd / 3 ba
Square footage2,468
Listed
Days on market

Asking rent: $3,935

View on Zillow →

20600 SW 118th Pl

Miami, 33177 · rent comp

Bedrooms / bathrooms4 bd / 3 ba
Square footage2,477
Listed2026-08-24
Days on market

Asking rent: $3,600

View on Zillow →

20702 SW 122nd Ave

Miami, 33177 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage
Listed2026-03-23
Days on market

Asking rent: $3,200

View on Zillow →

19920 SW 118th Pl Unit 0

Miami, 33177 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage1,734
Listed2026-04-21
Days on market

Asking rent: $3,350

View on Zillow →

12736 SW 211th St

Miami, 33177 · rent comp

Bedrooms / bathrooms4 bd / 3 ba
Square footage2,213
Listed2026-04-04
Days on market

Asking rent: $3,450

View on Zillow →

14617 SW 167th Ter

Miami, 33177 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage1,743
Listed2026-02-20
Days on market

Asking rent: $5,900

View on Zillow →

13753 SW 160th St Unit O

Miami, 33177 · rent comp

Bedrooms / bathrooms4 bd / 3 ba
Square footage
Listed
Days on market

Asking rent: $3,300

View on Zillow →

20033 SW 123rd Dr

Miami, 33177 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage1,313
Listed
Days on market

Asking rent: $2,800

View on Zillow →

13233 SW 203rd St

Miami, 33177 · rent comp

Bedrooms / bathrooms4 bd / 3 ba
Square footage2,006
Listed
Days on market

Asking rent: $3,525

View on Zillow →

15338 SW 141st Ct

Miami, 33177 · rent comp

Bedrooms / bathrooms4 bd / 3 ba
Square footage2,141
Listed2026-08-28
Days on market

Asking rent: $4,000

View on Zillow →

18672 SW 136th Ct # 18672

Kendall, 33177 · rent comp

Bedrooms / bathrooms4 bd / 3 ba
Square footage
Listed
Days on market

Asking rent: $4,300

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
17280 SW 146th Ctsingle_family421,801$720,0002026-08-28
18420 SW 129th Avesingle_family421,920$530,0002026-08-14
12370 SW 190th Tersingle_family431,872$690,0002026-08-13
16540 SW 145th Ctsingle_family421,909$758,0002026-08-11
11741 SW 182nd Tersingle_family421,684$650,0002026-08-10
17901 SW 144th Avesingle_family421,433$600,0002026-08-10
20129 SW 123rd Drsingle_family421,313$350,0002026-08-07
21342 SW 132nd Plsingle_family432,804$860,0002026-08-06
14530 SW 176th Tersingle_family432,099$705,0002026-08-05
19680 SW 121st Avesingle_family422,076$460,0002026-08-04
12971 SW 200th Tersingle_family421,797$640,0002026-08-04
12471 SW 190th Tersingle_family431,872$729,0002026-08-03
12330 SW 195th Tersingle_family421,824$690,0002026-07-24
13951 SW 152nd Tersingle_family422,539$500,0002026-07-22
14491 SW 161st Stsingle_family422,380$795,0002026-07-21
13282 SW 200th Tersingle_family441,872$880,0002026-07-15
19411 SW 117th Avesingle_family421,680$385,7002026-07-15
12970 SW 187th Tersingle_family433,396$850,0002026-07-09
14473 SW 172nd Lnsingle_family421,610$630,0002026-07-06
12230 SW 187th Tersingle_family431,673$559,0002026-07-01
17990 SW 134th Ctsingle_family421,315$549,0002026-06-26
18252 SW 146th Avesingle_family431,486$620,0002026-06-26
15630 SW 146th Avesingle_family422,061$745,0002026-06-26
12731 SW 213th Stsingle_family431,870$680,0002026-06-24
14276 SW 177th Stsingle_family421,782$730,5002026-06-22
21080 SW 127th Plsingle_family442,652$965,9902026-06-22
14490 SW 174th Tersingle_family421,627$545,0002026-06-17
18153 SW 143rd Plsingle_family421,475$600,0002026-06-17
19831 SW 122nd Avesingle_family421,640$441,0002026-06-16
13319 SW 184th Tersingle_family431,927$675,0002026-06-11
19410 SW 124th Ctsingle_family431,910$770,0002026-06-09
19100 SW 125th Avesingle_family442,435$650,0002026-06-08
19480 SW 121st Avesingle_family421,845$570,0002026-06-05
14202 SW 177th Tersingle_family421,629$600,0002026-06-02
11805 SW 185th Stsingle_family421,145$550,0002026-06-02
11785 SW 184th Stsingle_family411,296$500,0002026-06-02
12691 SW 190th Stsingle_family432,688$670,0002026-06-01
15502 SW 137th Plsingle_family432,416$650,0002026-05-29
15880 SW 141st Ctsingle_family422,208$850,0002026-05-29
19825 SW 119th Plsingle_family421,727$515,0002026-05-29
12000 SW 186th Stsingle_family421,828$645,0002026-05-28
13723 SW 160th Tersingle_family432,008$540,0002026-05-22
14563 SW 172nd Lnsingle_family421,777$710,0002026-05-19
17991 SW 136th Avesingle_family421,617$620,0002026-05-19
19855 SW 134th Ctsingle_family43$1,000,0002026-05-12
12930 SW 190th Stsingle_family421,503$690,0002026-05-08
19302 SW 132nd Pathsingle_family452,655$1,165,0002026-04-30
11845 SW 203rd Tersingle_family421,568$570,0002026-04-30
15568 SW 138th Plsingle_family421,494$655,0002026-04-30
18224 SW 143rd Plsingle_family421,315$599,0002026-04-29

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
21325 SW 127th Ctsingle_family442,591$775,000
12035 SW 214th Tersingle_family421,784$639,000
21480 SW 132nd Ctsingle_family442,804$1,080,000
17601 SW 138th Ctsingle_family431,711$690,000
14500 SW 161st Stsingle_family421,896$775,000
15401 SW 144th Avesingle_family431,420$725,000
15322 SW 144th Plsingle_family421,771$820,000
SW 127th Ave & SW 212th Stsingle_family421,824$678,990

10-year hold projection

IRR-3.2%
Equity multiple0.48x
Total return (10yr)-$64
YearProperty valueNOICash flowLoan balanceEquity
1$813,700$12,071-$38,804$625,148$188,552
2$838,111$12,569-$38,359$617,825$220,286
3$863,254$13,086-$37,897$609,999$253,255
4$889,152$13,621-$37,417$601,636$287,516
5$915,827$14,177-$36,919$592,699$323,128
6$943,301$14,753-$36,403$583,148$360,154
7$971,600$15,349-$35,866$572,941$398,660
8$1,000,748$15,968-$35,310$562,033$438,716
9$1,030,771$16,609-$34,732$550,376$480,395
10$1,061,694$17,273-$34,133$537,918$523,776
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.