595 NW 101st St

Miami, FL 33150 · single_family · For Sale · 119 days on market
Asking price$439,900
3 beds 2 baths 854 sqft
Suggested offer$346,929$92,971 above the est. market value of $346,929.
View on Realtor.com →
Listed by Michelle Leon · Tower Team Realty, Llc
Typesingle_family
Built1952
Price / sqft$515
Est. value (own analysis)$346,929
Rent estimate (own analysis)$3,100/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeFlood9/10extreme$Air2/10MinorWildfire1/10Minimal
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Neighborhood

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Statusfor_sale
Listed date2026-05-06
Removed date
MLSMiamiMLS #A12014136
Coordinates25.86804, -80.20768
Address595 NW 101st St
CityMiami
StateFL
Zip33150
Listing ID6751321044
Sourceus-real-estate-listings, cached 2026-08-31

ZIP market snapshot (33150)

Typical home value (ZHVI)$453,432
Typical rent (ZORI)$2,416/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$439,900
Down payment (20.0%)$87,980
Loan amount$351,920
Closing costs (5.0%)$21,995
Total cash to close$109,975
Rent (comp-derived)$3,100$37,200
Vacancy loss (8.0%)

Vacancy Loss

Gross Scheduled Rent × Vacancy Rate

Gross scheduled rent (annual) comp$37,200
Vacancy rate (assumption) assumption8.0%

$37,200 × 8.0% = $2,976

Effective gross income$2,852$34,224
Property tax (placeholder 1.9% of price)$697$8,358
Insurance (est. scaled by flood & wind risk)$645$7,742
HOA dues$0$0
Management (0.0% of EGI)$0$0
Maintenance (5.0% of GSR)$155$1,860
Total operating expenses$1,497$17,960
Net operating income (NOI)

Net Operating Income (NOI)

Effective Gross Income − Total Operating Expenses

Effective gross income derived$34,224
Total operating expenses derived$17,960

$34,224 − $17,960 = $16,264

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$351,920
Interest rate (avg 30yr rate) comp6.7%
Term (assumption) assumption30 years

$351,920 amortized at 6.7% over 30 years = $2,262/mo

CapEx reserve (5.0% of GSR)$155$1,860
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$16,264
Annual debt service derived$27,138
Annual CapEx reserve assumption$1,860
Annual PMI assumption$0

($16,264 − $27,138 − $1,860 − $0) ÷ 12 = -$1,061

Cap rate

Cap Rate

NOI ÷ Purchase Price

NOI derived$16,264
Purchase price data$439,900

$16,264 ÷ $439,900 = 3.7%

Cash-on-cash

Cash-on-Cash Return

Annual Cash Flow ÷ Total Cash Invested

Annual cash flow derived-$12,735
Total cash to close derived$109,975

-$12,735 ÷ $109,975 = -11.6%

DSCR

Debt Service Coverage Ratio (DSCR)

NOI ÷ Annual Debt Service

NOI derived$16,264
Annual debt service derived$27,138

$16,264 ÷ $27,138 = 0.60

Rent-to-price (1% rule)

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

(Gross Scheduled Rent ÷ 12) ÷ Purchase Price

Gross scheduled rent (annual) comp$37,200
Purchase price data$439,900

($37,200 ÷ 12) ÷ $439,900 = 0.7%

Gross rent multiplier

Gross Rent Multiplier (GRM)

Purchase Price ÷ Gross Scheduled Rent

Purchase price data$439,900
Gross scheduled rent (annual) comp$37,200

$439,900 ÷ $37,200 = 11.8

Operating expense ratio

Operating Expense Ratio

Total Operating Expenses ÷ Effective Gross Income

Total operating expenses derived$17,960
Effective gross income derived$34,224

$17,960 ÷ $34,224 = 52.5%

Break-even occupancy

Break-Even Occupancy

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

Total operating expenses derived$17,960
Annual debt service derived$27,138
Annual PMI assumption$0
Gross scheduled rent (annual) comp$37,200

($17,960 + $27,138 + $0) ÷ $37,200 = 121.2%

Comparables

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

AddressTypeBedsBathsSqftAsking rentListedDays on market
single_family321,086$3,5002026-07-24
single_family311,021$2,6002026-07-13
single_family321,142$3,5002026-06-11
single_family32854$2,9002026-08-04
single_family32953$2,8502026-07-30
single_family321,146$4,9502026-08-02
single_family321,100$3,200
single_family321,146$4,950
single_family321,140$3,0002026-08-29
single_family311,150$3,0002026-08-31

6344 NW Miami Pl

Miami, 33150 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,086
Listed2026-07-24
Days on market

Asking rent: $3,500

View on Zillow →

1012 NW 66th St Unit 0

Miami, 33150 · rent comp

Bedrooms / bathrooms3 bd / 1 ba
Square footage1,021
Listed2026-07-13
Days on market

Asking rent: $2,600

View on Zillow →

9615 NW 3rd Ave

Miami, 33150 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,142
Listed2026-06-11
Days on market

Asking rent: $3,500

View on Zillow →

595 NW 101st St Unit 0

Miami, 33150 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage854
Listed2026-08-04
Days on market

Asking rent: $2,900

View on Zillow →

1160 NW 105th St

Miami, 33150 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage953
Listed2026-07-30
Days on market

Asking rent: $2,850

View on Zillow →

490 NW 90th St

El Portal, 33150 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,146
Listed2026-08-02
Days on market

Asking rent: $4,950

View on Zillow →

9634 NW 2nd Ave

Miami Shores, 33150 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,100
Listed
Days on market

Asking rent: $3,200

View on Zillow →

490 NW 90th St # Fl33150

El Portal, 33150 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,146
Listed
Days on market

Asking rent: $4,950

View on Zillow →

790 NW 64th St

Miami, 33150 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,140
Listed2026-08-29
Days on market

Asking rent: $3,000

View on Zillow →

Miami, 33150 · rent comp

Bedrooms / bathrooms3 bd / 1 ba
Square footage1,150
Listed2026-08-31
Days on market

Asking rent: $3,000

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
751 NW 70th Stsingle_family321,372$535,0002026-08-24
1086 NW 101st Stsingle_family31946$360,0002026-08-10
943 NW 63rd Stsingle_family311,021$415,0002026-08-10
28 NW 100th Stsingle_family321,976$778,0002026-08-03
430 NW 88th Stsingle_family321,908$1,030,0002026-07-30
172 NW 90th Stsingle_family321,697$1,225,0002026-07-27
7740 NW 8th Avesingle_family321,210$409,0002026-07-21
470 NW 88th Tersingle_family321,678$1,055,0002026-07-10
117 NW 102nd Stsingle_family321,393$825,0002026-06-30
440 NW 89th Stsingle_family321,920$580,0002026-06-24
7631 NW 4th Avesingle_family311,070$435,0002026-06-22
410 NW 98th Stsingle_family32957$420,0002026-06-22
6723 NW 6th Avesingle_family321,400$549,0002026-06-12
1129 NW 105th Stsingle_family321,338$340,0002026-06-09
510 NW 105th Stsingle_family321,463$680,0002026-06-08
25 NW 104th Stsingle_family311,460$785,0002026-05-26
118 NW 103rd Stsingle_family321,433$901,0002026-05-21
8700 N Miami Avesingle_family321,500$975,0002026-05-11
1061 NW 87th Stsingle_family321,642$640,0002026-05-06
7742 NW 2nd Avesingle_family32852$400,0002026-05-06
9511 NW 5th Avesingle_family321,328$580,0002026-05-05
6940 NW 5th Plsingle_family321,260$505,0002026-05-01
9900 NW 12th Avesingle_family312,147$480,0002026-05-01
574 NW 98th Stsingle_family321,376$530,0002026-04-29
827 NW 73rd Stsingle_family321,635$438,0002026-04-24
1011 NW 89th Stsingle_family331,751$710,0002026-04-23
808 NW 75th Stsingle_family321,503$450,0002026-04-23
830 NW 74th Stsingle_family31995$425,0002026-04-23
9518 N Miami Avesingle_family311,281$955,0002026-04-23
1090 NW 77th Stsingle_family321,640$565,0002026-04-22
755 NW 83rd Stsingle_family321,470$583,0002026-04-10
151 NW 87th Stsingle_family331,950$1,925,0002026-04-09
944 NW 64th Stsingle_family321,330$540,0002026-04-07
291 NW 95th Stsingle_family321,210$575,0002026-04-07
9416 NW 4th Avesingle_family321,351$300,0002026-04-03
940 NW 67th Stsingle_family321,473$340,0002026-04-01
1035 NW 64th Stsingle_family321,021$480,0002026-03-30
1150 NW 66th Stsingle_family332,427$580,0002026-03-27
860 NW 70th Stsingle_family321,252$525,0002026-03-26
8174 NW 4th Avesingle_family31854$120,0002026-03-25
748 NW 77th Tersingle_family32936$499,0002026-03-20
8280 NW 5th Avesingle_family331,056$480,0002026-03-19
1115 NW 85th Stsingle_family311,507$465,0002026-03-11
1130 NW 91st Stsingle_family321,179$535,0002026-02-18
8550 N Miami Avesingle_family321,466$765,0002026-02-10
7320 NW 11th Avesingle_family321,330$300,0002026-02-05
9674 NW 10th Ave Lot E526single_family321,144$123,9002026-01-28
475 NW 88th Tersingle_family321,728$875,0002026-01-26
10001 N Miami Avesingle_family321,935$1,015,0002026-01-09
151 NW 64th Stsingle_family321,228$430,0002025-12-19

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
1135 NW 65th Stsingle_family31856$270,000
6950 NW 6th Ctmulti_family321,316$499,900
7010 NW 6th Avesingle_family321,203$415,000
9407 NW 4th Avesingle_family311,364$564,900
1067 NW 101st Stsingle_family321,217$558,000
multi_family321,473$560,000
8325 NW 5th Ave Unit 8325condos321,150$250,000
7529 NW 1st Avesingle_family321,230$528,000

10-year hold projection

IRR2.5%
Equity multiple1.41x
Total return (10yr)$102,578
YearProperty valueNOICash flowLoan balanceEquity
1$453,097$16,264-$12,735$348,104$104,993
2$466,690$16,841-$12,203$344,027$122,663
3$480,691$17,439-$11,654$339,669$141,021
4$495,111$18,056-$11,085$335,012$160,099
5$509,965$18,695-$10,497$330,036$179,929
6$525,264$19,355-$9,888$324,717$200,546
7$541,022$20,037-$9,259$319,034$221,988
8$557,252$20,742-$8,607$312,960$244,292
9$573,970$21,471-$7,934$306,469$267,501
10$591,189$22,225-$7,237$299,532$291,657
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.