15401 SW 144th Ave

Miami, FL 33177 · single_family · For Sale · 13 days on market
Asking price$725,000
4 beds 3 baths 1,420 sqft
Suggested offer$517,234$207,766 above the est. market value of $517,234.
View on Realtor.com →
Listed by Jose Ramirez · Green Street Realty
Typesingle_family
Built1990
Price / sqft$511
Est. value (own analysis)$517,234
Rent estimate (own analysis)$3,425/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeFlood6/10major$Air2/10MinorWildfire1/10Minimal
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Neighborhood

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Statusfor_sale
Listed date2026-08-21
Removed date
MLSMiamiMLS #A12075238
Coordinates25.62377, -80.42671
Address15401 SW 144th Ave
CityMiami
StateFL
Zip33177
Listing ID6609464611
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$725,000
Down payment (20.0%)$145,000
Loan amount$580,000
Closing costs (5.0%)$36,250
Total cash to close$181,250
Rent (comp-derived)$3,425$41,094
Vacancy loss (8.0%)

Vacancy Loss

Gross Scheduled Rent × Vacancy Rate

Gross scheduled rent (annual) comp$41,094
Vacancy rate (assumption) assumption8.0%

$41,094 × 8.0% = $3,288

Effective gross income$3,151$37,806
Property tax (placeholder 1.9% of price)$1,148$13,775
Insurance (est. scaled by flood & wind risk)$846$10,150
HOA dues$0$0
Management (0.0% of EGI)$0$0
Maintenance (5.0% of GSR)$171$2,055
Total operating expenses$2,165$25,980
Net operating income (NOI)

Net Operating Income (NOI)

Effective Gross Income − Total Operating Expenses

Effective gross income derived$37,806
Total operating expenses derived$25,980

$37,806 − $25,980 = $11,827

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$580,000
Interest rate (avg 30yr rate) comp6.7%
Term (assumption) assumption30 years

$580,000 amortized at 6.7% over 30 years = $3,727/mo

CapEx reserve (5.0% of GSR)$171$2,055
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$11,827
Annual debt service derived$44,727
Annual CapEx reserve assumption$2,055
Annual PMI assumption$0

($11,827 − $44,727 − $2,055 − $0) ÷ 12 = -$2,913

Cap rate

Cap Rate

NOI ÷ Purchase Price

NOI derived$11,827
Purchase price data$725,000

$11,827 ÷ $725,000 = 1.6%

Cash-on-cash

Cash-on-Cash Return

Annual Cash Flow ÷ Total Cash Invested

Annual cash flow derived-$34,955
Total cash to close derived$181,250

-$34,955 ÷ $181,250 = -19.3%

DSCR

Debt Service Coverage Ratio (DSCR)

NOI ÷ Annual Debt Service

NOI derived$11,827
Annual debt service derived$44,727

$11,827 ÷ $44,727 = 0.26

Rent-to-price (1% rule)

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

(Gross Scheduled Rent ÷ 12) ÷ Purchase Price

Gross scheduled rent (annual) comp$41,094
Purchase price data$725,000

($41,094 ÷ 12) ÷ $725,000 = 0.5%

Gross rent multiplier

Gross Rent Multiplier (GRM)

Purchase Price ÷ Gross Scheduled Rent

Purchase price data$725,000
Gross scheduled rent (annual) comp$41,094

$725,000 ÷ $41,094 = 17.6

Operating expense ratio

Operating Expense Ratio

Total Operating Expenses ÷ Effective Gross Income

Total operating expenses derived$25,980
Effective gross income derived$37,806

$25,980 ÷ $37,806 = 68.7%

Break-even occupancy

Break-Even Occupancy

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

Total operating expenses derived$25,980
Annual debt service derived$44,727
Annual PMI assumption$0
Gross scheduled rent (annual) comp$41,094

($25,980 + $44,727 + $0) ÷ $41,094 = 172.1%

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_family431,567$3,4992026-07-18
single_family421,315$3,0002026-07-16
single_family421,479$3,5002026-07-14
single_family421,800$2,990
single_family421,734$3,3502026-04-21
single_family421,743$5,9002026-02-20
single_family421,313$2,800

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 →

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 →

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 →

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 →

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 →

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 →

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 →

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
15322 SW 144th Plsingle_family421,771$820,000
SW 127th Ave & SW 212th Stsingle_family421,824$678,990
13991 SW 159th Tersingle_family42$790,000

10-year hold projection

IRR-2.9%
Equity multiple0.52x
Total return (10yr)$7,741
YearProperty valueNOICash flowLoan balanceEquity
1$746,750$11,827-$34,955$573,711$173,039
2$769,153$12,311-$34,521$566,991$202,161
3$792,227$12,814-$34,072$559,809$232,418
4$815,994$13,335-$33,605$552,134$263,860
5$840,474$13,875-$33,120$543,932$296,542
6$865,688$14,434-$32,617$535,167$330,521
7$891,659$15,014-$32,095$525,799$365,859
8$918,408$15,616-$31,554$515,789$402,619
9$945,961$16,238-$30,992$505,091$440,870
10$974,339$16,884-$30,409$493,658$480,681
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.