9363 Fontainebleau Blvd Apt H205

Miami, FL 33172 · condos · For Sale · 8 days on market
Asking price$220,000
1 beds 2 baths 1,125 sqft
View on Realtor.com →
Listed by Maria Gonzalez · Novel Management, LLC.
Typecondos
Built1972
Price / sqft$196
Est. value (own analysis)$291,443
Rent estimate (own analysis)$2,205/mo
HOA$382/mo
Wind10/10Extreme$Heat10/10ExtremeFlood3/10moderate$Air2/10MinorWildfire1/10Minimal
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Neighborhood

Show every detail
Statusfor_sale
Listed date2026-08-25
Removed date
MLSMiamiMLS #A12073710
Coordinates25.77585, -80.34651
Address9363 Fontainebleau Blvd Apt H205
CityMiami
StateFL
Zip33172
Listing ID6681618324
Sourceus-real-estate-listings, cached 2026-09-01

ZIP market snapshot (33172)

Typical home value (ZHVI)$300,752
Typical rent (ZORI)$2,402/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$220,000
Down payment (20.0%)$44,000
Loan amount$176,000
Closing costs (5.0%)$11,000
Total cash to close$55,000
Rent (comp-derived)$2,205$26,460
Vacancy loss (8.0%)

Vacancy Loss

Gross Scheduled Rent × Vacancy Rate

Gross scheduled rent (annual) comp$26,460
Vacancy rate (assumption) assumption8.0%

$26,460 × 8.0% = $2,117

Effective gross income$2,029$24,343
Property tax (placeholder 1.9% of price)$348$4,180
Insurance (est. scaled by flood & wind risk)$235$2,816
HOA dues$382$4,584
Management (0.0% of EGI)$0$0
Maintenance (5.0% of GSR)$110$1,323
Total operating expenses$1,075$12,903
Net operating income (NOI)

Net Operating Income (NOI)

Effective Gross Income − Total Operating Expenses

Effective gross income derived$24,343
Total operating expenses derived$12,903

$24,343 − $12,903 = $11,440

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$176,000
Interest rate (avg 30yr rate) comp6.7%
Term (assumption) assumption30 years

$176,000 amortized at 6.7% over 30 years = $1,131/mo

CapEx reserve (5.0% of GSR)$110$1,323
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$11,440
Annual debt service derived$13,572
Annual CapEx reserve assumption$1,323
Annual PMI assumption$0

($11,440 − $13,572 − $1,323 − $0) ÷ 12 = -$288

Cap rate

Cap Rate

NOI ÷ Purchase Price

NOI derived$11,440
Purchase price data$220,000

$11,440 ÷ $220,000 = 5.2%

Cash-on-cash

Cash-on-Cash Return

Annual Cash Flow ÷ Total Cash Invested

Annual cash flow derived-$3,455
Total cash to close derived$55,000

-$3,455 ÷ $55,000 = -6.3%

DSCR

Debt Service Coverage Ratio (DSCR)

NOI ÷ Annual Debt Service

NOI derived$11,440
Annual debt service derived$13,572

$11,440 ÷ $13,572 = 0.84

Rent-to-price (1% rule)

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

(Gross Scheduled Rent ÷ 12) ÷ Purchase Price

Gross scheduled rent (annual) comp$26,460
Purchase price data$220,000

($26,460 ÷ 12) ÷ $220,000 = 1.0%

Gross rent multiplier

Gross Rent Multiplier (GRM)

Purchase Price ÷ Gross Scheduled Rent

Purchase price data$220,000
Gross scheduled rent (annual) comp$26,460

$220,000 ÷ $26,460 = 8.3

Operating expense ratio

Operating Expense Ratio

Total Operating Expenses ÷ Effective Gross Income

Total operating expenses derived$12,903
Effective gross income derived$24,343

$12,903 ÷ $24,343 = 53.0%

Break-even occupancy

Break-Even Occupancy

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

Total operating expenses derived$12,903
Annual debt service derived$13,572
Annual PMI assumption$0
Gross scheduled rent (annual) comp$26,460

($12,903 + $13,572 + $0) ÷ $26,460 = 100.1%

Comparables

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

AddressTypeBedsBathsSqftAsking rentListedDays on market
apartment11800$1,8292025-03-21
condos11898$2,1502026-08-14
apartment11800$2,1202026-08-10
condos12922$2,1502026-08-09
condos11849$1,8752026-07-24
condos11770$1,9952026-07-17
apartment121,149$2,4002026-07-17
condos11773$1,9502026-07-15
condos121,149$2,1502026-07-13
condos121,125$1,8502026-07-06
condos121,125$1,9502026-07-06
condos121,125$2,0502026-06-30
apartment11898$2,1002026-06-24
condos11838$2,0002026-06-23
condos121,125$2,3002026-06-22
condos11839$1,7002026-06-22
condos121,149$2,0002026-08-31
apartment12922$2,1502026-06-20
condos11838$1,9502026-06-19
condos12817$1,9502026-06-12
condos121,149$2,1502026-05-27
condos121,125$2,1002026-08-04
condos11813$1,8752026-08-01
apartment12922$2,2502026-07-30
condos11839$1,9002026-07-28
apartment12922$2,150
apartment11800$2,120
apartment11765$2,213
apartment11763$2,331
apartment11765$2,345
apartment11794$2,304
apartment11763$2,306
apartment11763$2,321
apartment11794$2,304
apartment11794$2,294
apartment11763$2,346
apartment11763$2,356
apartment11763$2,331
condos11838$2,1002026-08-28
apartment11760$2,4002025-12-04
apartment11746$1,9702025-12-03
condos12839$2,0002026-08-24
apartment11798$2,394
apartment11770$2,285
apartment11763$2,331
apartment11763$2,321
apartment11735$2,110
apartment11735$2,190
apartment11750$2,205
apartment11794$2,309
apartment11765$2,370
apartment11763$2,377
apartment11794$2,279
apartment11763$2,377
apartment11763$2,402
apartment11763$2,402
apartment11794$2,329
apartment11763$2,377
apartment11765$2,385
apartment11763$2,402
apartment11765$2,345
apartment11800$2,1762026-08-31
condos121,125$2,1002026-09-02

8940 NW 8th St

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage800
Listed2025-03-21
Days on market

Asking rent: $1,829

View on Zillow →

10290 NW 9th St Cir Apt 113

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage898
Listed2026-08-14
Days on market

Asking rent: $2,150

View on Zillow →

9517 Fontainebleau Blvd Unit 501-604

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage800
Listed2026-08-10
Days on market

Asking rent: $2,120

View on Zillow →

30 NW 87th Ave Apt C223

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 2 ba
Square footage922
Listed2026-08-09
Days on market

Asking rent: $2,150

View on Zillow →

706 NW 87th Ave Apt 204

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage849
Listed2026-07-24
Days on market

Asking rent: $1,875

View on Zillow →

260 NW 107th Ave Apt 110

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage770
Listed2026-07-17
Days on market

Asking rent: $1,995

View on Zillow →

9351 Fontainebleau Blvd Apt B112

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 2 ba
Square footage1,149
Listed2026-07-17
Days on market

Asking rent: $2,400

View on Zillow →

8881 Fontainebleau Blvd Unit 107

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage773
Listed2026-07-15
Days on market

Asking rent: $1,950

View on Zillow →

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 2 ba
Square footage1,149
Listed2026-07-13
Days on market

Asking rent: $2,150

View on Zillow →

9355 Fontainebleau Blvd Apt C208

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 2 ba
Square footage1,125
Listed2026-07-06
Days on market

Asking rent: $1,850

View on Zillow →

9367 Fontainebleau Blvd Apt G201

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 2 ba
Square footage1,125
Listed2026-07-06
Days on market

Asking rent: $1,950

View on Zillow →

9369 Fontainebleau Blvd Apt J225

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 2 ba
Square footage1,125
Listed2026-06-30
Days on market

Asking rent: $2,050

View on Zillow →

9731 Fontainebleau Blvd Unit F314

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage898
Listed2026-06-24
Days on market

Asking rent: $2,100

View on Zillow →

9280 Fontainebleau Blvd Apt 103

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage838
Listed2026-06-23
Days on market

Asking rent: $2,000

View on Zillow →

9375 Fontainebleau Blvd Apt L403

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 2 ba
Square footage1,125
Listed2026-06-22
Days on market

Asking rent: $2,300

View on Zillow →

8775 Park Blvd Apt 406

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage839
Listed2026-06-22
Days on market

Asking rent: $1,700

View on Zillow →

9375 Fontainebleau Blvd Apt L311

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 2 ba
Square footage1,149
Listed2026-08-31
Days on market

Asking rent: $2,000

View on Zillow →

140 NW 87th Ave Apt G214

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 2 ba
Square footage922
Listed2026-06-20
Days on market

Asking rent: $2,150

View on Zillow →

9180 Fontainebleau Blvd Apt 103

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage838
Listed2026-06-19
Days on market

Asking rent: $1,950

View on Zillow →

802 NW 87th Ave Apt 321

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 2 ba
Square footage817
Listed2026-06-12
Days on market

Asking rent: $1,950

View on Zillow →

9351 Fontainebleau Blvd Apt B214

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 2 ba
Square footage1,149
Listed2026-05-27
Days on market

Asking rent: $2,150

View on Zillow →

9367 Fontainebleau Blvd Apt G219

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 2 ba
Square footage1,125
Listed2026-08-04
Days on market

Asking rent: $2,100

View on Zillow →

9688 Fontainebleau Blvd Apt 404

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage813
Listed2026-08-01
Days on market

Asking rent: $1,875

View on Zillow →

220 NW 87th Ave Apt K219

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 2 ba
Square footage922
Listed2026-07-30
Days on market

Asking rent: $2,250

View on Zillow →

702 NW 87th Ave Apt 309

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage839
Listed2026-07-28
Days on market

Asking rent: $1,900

View on Zillow →

20 NW 87th Ave

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 2 ba
Square footage922
Listed
Days on market

Asking rent: $2,150

View on Zillow →

9517 Fontainebleau Blvd # 591-0307

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage800
Listed
Days on market

Asking rent: $2,120

View on Zillow →

901 NW 97th Ave # 12S205

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage765
Listed
Days on market

Asking rent: $2,213

View on Zillow →

901 NW 97th Ave # 09S204

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage763
Listed
Days on market

Asking rent: $2,331

View on Zillow →

901 NW 97th Ave # 14V205

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage765
Listed
Days on market

Asking rent: $2,345

View on Zillow →

901 NW 97th Ave # 07V301

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage794
Listed
Days on market

Asking rent: $2,304

View on Zillow →

901 NW 97th Ave # 04S207

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage763
Listed
Days on market

Asking rent: $2,306

View on Zillow →

901 NW 97th Ave # 08S110

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage763
Listed
Days on market

Asking rent: $2,321

View on Zillow →

901 NW 97th Ave # 10V212

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage794
Listed
Days on market

Asking rent: $2,304

View on Zillow →

901 NW 97th Ave # 05V107

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage794
Listed
Days on market

Asking rent: $2,294

View on Zillow →

901 NW 97th Ave # 04S106

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage763
Listed
Days on market

Asking rent: $2,346

View on Zillow →

901 NW 97th Ave # 09S310

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage763
Listed
Days on market

Asking rent: $2,356

View on Zillow →

901 NW 97th Ave # 03S303

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage763
Listed
Days on market

Asking rent: $2,331

View on Zillow →

9280 Fontainebleau Blvd Apt 502

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage838
Listed2026-08-28
Days on market

Asking rent: $2,100

View on Zillow →

11239 NW 4th Ter Unit 5

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage760
Listed2025-12-04
Days on market

Asking rent: $2,400

View on Zillow →

11239 NW 4th Ter Unit A120

Sweetwater, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage746
Listed2025-12-03
Days on market

Asking rent: $1,970

View on Zillow →

506 NW 87th Ave Apt 309

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 2 ba
Square footage839
Listed2026-08-24
Days on market

Asking rent: $2,000

View on Zillow →

901 NW 97th Ave # 08S209

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage798
Listed
Days on market

Asking rent: $2,394

View on Zillow →

275 Fontainebleau Blvd # 01-621

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage770
Listed
Days on market

Asking rent: $2,285

View on Zillow →

901 NW 97th Ave # 08S307

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage763
Listed
Days on market

Asking rent: $2,331

View on Zillow →

901 NW 97th Ave # 03S104

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage763
Listed
Days on market

Asking rent: $2,321

View on Zillow →

275 Fontainebleau Blvd # 01-607

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage735
Listed
Days on market

Asking rent: $2,110

View on Zillow →

275 Fontainebleau Blvd # 01-713

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage735
Listed
Days on market

Asking rent: $2,190

View on Zillow →

275 Fontainebleau Blvd # 01-514

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage750
Listed
Days on market

Asking rent: $2,205

View on Zillow →

901 NW 97th Ave # 05V101

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage794
Listed
Days on market

Asking rent: $2,309

View on Zillow →

901 NW 97th Ave # 07V303

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage765
Listed
Days on market

Asking rent: $2,370

View on Zillow →

901 NW 97th Ave # 01V205

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage763
Listed
Days on market

Asking rent: $2,377

View on Zillow →

901 NW 97th Ave # 14V201

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage794
Listed
Days on market

Asking rent: $2,279

View on Zillow →

901 NW 97th Ave # 12V205

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage763
Listed
Days on market

Asking rent: $2,377

View on Zillow →

901 NW 97th Ave # 01V206

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage763
Listed
Days on market

Asking rent: $2,402

View on Zillow →

901 NW 97th Ave # 02V306

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage763
Listed
Days on market

Asking rent: $2,402

View on Zillow →

901 NW 97th Ave # 14V108

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage794
Listed
Days on market

Asking rent: $2,329

View on Zillow →

901 NW 97th Ave # 13V206

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage763
Listed
Days on market

Asking rent: $2,377

View on Zillow →

901 NW 97th Ave # 05V303

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage765
Listed
Days on market

Asking rent: $2,385

View on Zillow →

901 NW 97th Ave # 12V305

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage763
Listed
Days on market

Asking rent: $2,402

View on Zillow →

901 NW 97th Ave # 07V203

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage765
Listed
Days on market

Asking rent: $2,345

View on Zillow →

9517 Fontainebleau Blvd Unit 501-411

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 1 ba
Square footage800
Listed2026-08-31
Days on market

Asking rent: $2,176

View on Zillow →

9371 Fontainebleau Blvd Apt I225

Miami, 33172 · rent comp

Bedrooms / bathrooms1 bd / 2 ba
Square footage1,125
Listed2026-09-02
Days on market

Asking rent: $2,100

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
9375 Fontainebleau Blvd Apt L315condos121,149$246,0002026-08-14
9369 Fontainebleau Blvd Apt J107condos121,149$240,0002026-08-04
220 NW 107th Ave Apt 101condos11580$180,0002026-07-28
8895 Fontainebleau Blvd Apt 301condos11769$200,0002026-07-27
9360 Fontainebleau Blvd Apt 503condos11690$220,0002026-07-17
9280 Fontainebleau Blvd Apt 505condos11838$225,0002026-07-10
200 NW 107th Ave Apt 104condos11770$240,0002026-07-02
9180 Fontainebleau Blvd Apt 302condos11838$196,0002026-06-30
130 NW 87th Ave Apt H107condos12948$245,0002026-06-30
9365 Fontainebleau Blvd Apt E117condos121,149$210,0002026-05-21
100 NW 87th Ave Apt E102condos12948$245,0002026-04-16
9460 Fontainebleau Blvd Apt 421condos11695$180,0002026-04-09
706 NW 87th Ave Apt 212condos11849$220,0002026-02-23
9460 Fontainebleau Blvd Apt 528condos11676$218,0002026-02-05
9371 Fontainebleau Blvd Apt I112condos121,149$197,9182026-01-30
401 NW 107th Ave Apt 107condos11893$245,0002026-01-15
9120 Fontainebleau Blvd Apt 404condos11776$225,0002026-01-01
686 NW 114th Ave Apt 202condos11600$199,0002025-12-10
9359 Fontainebleau Blvd Apt F210condos121,149$285,0002025-12-01
9365 Fontainebleau Blvd Apt E209condos121,125$215,0002025-11-14
8850 Fontainebleau Blvd Apt 404condos11680$200,0002025-10-31
9360 Fontainebleau Blvd Apt 413condos11690$210,0002025-10-28
9367 Fontainebleau Blvd Apt G239condos121,125$225,0002025-10-10
9365 Fontainebleau Blvd Apt E207condos121,125$240,0002025-10-08

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
9190 Fontainebleau Blvd Apt 202condos11838$248,000
30 NW 87th Ave Apt C201condos12922$250,000
9375 Fontainebleau Blvd Apt L219condos121,125$245,000
310 Fontainebleau Blvd Apt 204condos11620$255,000
702 NW 87th Ave Apt 213condos11839$195,900
11183 NW 7th St Unit 204-20condos11767$279,000
9678 Fontainebleau Blvd Apt 311condos12914$199,001
9688 Fontainebleau Blvd Apt 502condos11813$207,000

10-year hold projection

IRR6.5%
Equity multiple2.04x
Total return (10yr)$85,827
YearProperty valueNOICash flowLoan balanceEquity
1$226,600$11,440-$3,455$174,092$52,508
2$233,398$11,848-$3,080$172,053$61,345
3$240,400$12,269-$2,693$169,873$70,527
4$247,612$12,705-$2,292$167,544$80,068
5$255,040$13,156-$1,877$165,056$89,985
6$262,692$13,622-$1,447$162,396$100,296
7$270,572$14,104-$1,003$159,553$111,019
8$278,689$14,601-$543$156,516$122,174
9$287,050$15,116-$68$153,270$133,781
10$295,662$15,648$424$149,800$145,861
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.