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)
Acquisition (one-time, not monthly/yearly)
Purchase price
$425,000
Down payment (20.0%)
$85,000
Loan amount
$340,000
Closing costs (5.0%)
$21,250
Total cash to close
$106,250
Income
Rent (comp-derived)
$3,800$45,600
Vacancy loss (8.0%)
Effective gross income
$3,496$41,952
Operating expenses
Property tax (placeholder 1.9% of price)
$673$8,075
Insurance (placeholder 0.8% of price)
$283$3,400
HOA dues
$1,687$20,244
Management (0.0% of EGI)
$0$0
Maintenance (5.0% of GSR)
$190$2,280
Total operating expenses
$2,833$33,999
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)
$190$2,280
Mortgage insurance (PMI) (0.0% of loan, not required — down payment ≥ 20%)
$0$0
Cash flow
Cap rate
Cash-on-cash
DSCR
Rent-to-price (1% rule)
Gross rent multiplier
Operating expense ratio
Break-even occupancy
Comparables
Same ZIP. Real active rental listings, used to derive the rent estimate above.
Address
Type
Beds
Baths
Sqft
Asking rent
Listed
Days on market
condos
2
2
1,181
$3,300
2026-08-19
—
condos
2
3
1,392
$2,800
2026-07-21
—
condos
2
2
1,181
$2,800
2026-07-13
—
condos
2
3
1,392
$3,500
2026-06-22
—
condos
2
2
1,241
$3,600
2026-06-22
—
apartment
2
2
1,800
$2,700
2026-05-06
—
condos
2
3
1,282
$2,850
2026-08-04
—
condos
2
3
1,392
$2,800
2026-04-14
—
condos
2
2
1,257
$4,200
2026-03-03
—
condos
2
2
1,610
$4,850
—
—
condos
2
2
1,677
$3,800
—
—
apartment
2
2
1,304
$3,399
—
—
apartment
2
2
1,176
$3,810
—
—
apartment
2
2
1,176
$4,160
—
—
apartment
2
2
1,175
$3,115
2026-04-10
—
apartment
2
2
1,264
$2,701
—
—
apartment
2
2
1,264
$2,829
—
—
condos
2
2
1,204
$3,700
2026-08-28
—
condos
2
2
1,257
$3,500
2026-08-27
—
condos
2
2
1,335
$4,800
2026-08-27
—
condos
2
2
1,308
$2,800
2026-08-07
—
condos
2
2
1,271
$2,650
2026-06-20
—
condos
2
2
1,353
$3,300
2026-07-31
—
condos
2
2
1,308
$2,500
2026-08-13
—
condos
2
2
1,150
$2,800
2026-04-23
—
condos
2
2
1,302
$2,950
2026-08-14
—
condos
2
2
1,180
$2,500
2026-05-21
—
condos
2
2
1,447
$3,200
2026-07-09
—
condos
2
2
1,447
$4,300
2026-08-22
—
condos
2
3
1,504
$4,000
2026-08-19
—
condos
2
2
1,181
$2,950
2026-05-06
—
apartment
2
2
1,257
$3,400
2026-08-16
—
condos
2
2
1,180
$2,400
2026-08-19
—
apartment
2
2
1,157
$3,300
2026-08-10
—
condos
2
2
1,170
$2,600
2026-07-01
—
condos
2
2
1,310
$3,950
2026-07-07
—
condos
2
3
1,337
$3,400
2026-07-23
—
condos
2
2
1,302
$2,920
2026-05-12
—
condos
2
2
1,901
$6,000
2026-08-23
—
condos
2
2
1,241
$3,800
2026-08-14
—
condos
2
2
1,403
$3,750
2026-07-27
—
condos
2
2
1,240
$3,950
2026-08-18
—
condos
2
2
1,522
$3,800
2026-06-17
—
condos
2
2
1,505
$4,000
2026-08-26
—
condos
2
2
1,181
$3,200
2025-12-18
—
condos
2
2
1,157
$2,700
2026-07-06
—
condos
2
2
1,180
$2,550
2026-07-08
—
condos
2
2
1,380
$4,950
2026-08-26
—
condos
2
2
1,181
$3,200
2026-07-20
—
condos
2
2
1,313
$2,750
2026-01-17
—
condos
2
2
1,175
$2,900
2026-07-17
—
condos
2
3
1,450
$3,850
2026-07-02
—
condos
2
2
1,453
$4,000
2026-08-06
—
condos
2
3
1,365
$3,500
2026-08-06
—
condos
2
2
1,870
$5,000
2026-05-27
—
condos
2
2
1,238
$2,650
2026-06-26
—
condos
2
2
1,312
$3,750
2026-08-09
—
condos
2
2
1,302
$2,800
2026-07-08
—
condos
2
2
1,340
$3,800
2026-04-20
—
condos
2
2
1,175
$3,000
2026-07-28
—
condos
2
2
1,241
$3,900
2025-08-21
—
condos
2
2
1,522
$2,850
2026-02-27
—
condos
2
2
1,180
$2,550
2026-07-21
—
condos
2
2
1,763
$5,200
2026-08-11
—
condos
2
2
1,510
$4,500
2026-08-03
—
apartment
2
2
1,181
$3,200
2026-06-17
—
condos
2
3
1,205
$3,800
2026-06-04
—
condos
2
2
1,154
$2,800
2026-03-24
—
apartment
2
2
1,257
$3,500
2026-06-27
—
condos
2
2
1,470
$5,000
2026-04-16
—
condos
2
3
1,990
$3,800
2026-03-20
—
condos
2
2
1,353
$4,800
2026-06-17
—
condos
2
2
1,181
$3,200
2026-06-24
—
condos
2
2
1,181
$3,350
2026-04-23
—
condos
2
3
1,552
$4,900
2026-07-17
—
condos
2
2
1,815
$5,100
2026-06-23
—
condos
2
2
1,241
$4,100
2026-07-24
—
condos
2
2
1,271
$2,998
2026-08-12
—
condos
2
2
1,590
$3,200
2026-01-18
—
condos
2
2
1,464
$5,000
2026-06-11
—
condos
2
2
1,180
$4,500
2026-07-15
—
condos
2
2
1,825
$7,800
2026-07-18
—
condos
2
2
1,505
$4,590
2026-07-28
—
condos
2
2
1,153
$2,700
2026-05-12
—
condos
2
2
1,245
$3,100
2026-07-30
—
condos
2
2
1,825
$5,500
2026-04-23
—
condos
2
2
1,214
$3,200
2026-06-08
—
condos
2
2
1,180
$3,200
2026-02-10
—
condos
2
2
1,154
$2,800
2026-07-09
—
condos
2
2
1,240
$3,875
2026-05-21
—
condos
2
2
1,460
$4,095
2025-11-25
—
condos
2
2
1,181
$3,400
2026-07-29
—
condos
2
2
1,647
$5,500
2026-06-19
—
condos
2
3
2,370
$8,700
2026-07-20
—
condos
2
2
1,154
$3,000
2026-06-11
—
condos
2
2
1,245
$3,300
2026-08-20
—
condos
2
2
1,165
$2,500
2026-06-17
—
condos
2
2
1,245
$3,200
2026-07-06
—
condos
2
2
1,180
$2,895
2026-06-12
—
condos
2
2
1,250
$3,200
2026-06-24
—
condos
2
2
1,464
$4,200
2026-06-17
—
condos
2
2
1,447
$3,700
2026-06-17
—
condos
2
2
1,240
$3,990
2025-12-02
—
condos
2
3
1,365
$4,900
2026-07-28
—
condos
2
2
1,181
$3,400
2026-06-16
—
condos
2
2
1,361
$3,650
2026-07-01
—
condos
2
2
1,887
$6,200
2026-07-22
—
condos
2
2
1,400
$4,999
2026-05-20
—
apartment
2
2
1,361
$5,250
2026-05-30
—
condos
2
2
1,361
$3,650
2026-07-27
—
condos
2
2
1,175
$2,900
2026-06-17
—
condos
2
2
1,181
$3,295
2026-05-26
—
condos
2
2
1,213
$2,950
2026-04-06
—
condos
2
2
1,174
$2,900
2026-08-08
—
condos
2
2
1,255
$3,000
2026-04-16
—
condos
2
2
1,353
$3,500
2026-06-29
—
condos
2
2
1,181
$3,200
2024-05-05
—
condos
2
2
1,353
$3,500
2026-04-30
—
condos
2
2
1,431
$4,200
2026-08-03
—
condos
2
2
1,677
$5,000
2026-08-04
—
condos
2
2
1,180
$3,250
2026-07-11
—
condos
2
2
1,447
$4,200
2026-03-14
—
condos
2
2
1,146
$3,600
2026-06-23
—
condos
2
2
1,384
$5,500
2026-06-17
—
condos
2
2
1,187
$2,800
2026-08-08
—
condos
2
2
1,180
$2,900
2026-08-11
—
condos
2
2
1,179
$2,875
2026-04-22
—
condos
2
2
1,150
$3,200
2026-07-28
—
condos
2
2
1,180
$3,500
2025-07-18
—
condos
2
2
1,887
$4,400
2026-07-20
—
condos
2
2
1,522
$4,200
2026-07-08
—
condos
2
2
1,522
$4,200
2026-03-19
—
condos
2
2
1,696
$6,200
2026-08-11
—
condos
2
2
1,460
$4,000
2026-04-15
—
condos
2
3
1,365
$4,500
2026-03-27
—
condos
2
2
1,180
$2,800
2026-07-23
—
condos
2
2
1,180
$3,200
2026-04-23
—
condos
2
2
1,522
$5,750
2026-07-30
—
condos
2
2
1,175
$3,150
2026-07-29
—
condos
2
2
1,245
$3,400
2026-08-06
—
condos
2
2
1,180
$3,300
2026-05-12
—
condos
2
2
1,361
$3,950
2026-06-30
—
condos
2
2
1,180
$3,000
2026-04-23
—
condos
2
3
1,365
$3,400
2026-05-11
—
condos
2
2
1,175
$3,325
2026-07-13
—
condos
2
2
1,150
$2,750
2026-04-15
—
condos
2
2
1,181
$2,850
2026-03-20
—
condos
2
2
1,310
$3,950
2026-07-14
—
condos
2
2
1,430
$3,960
2026-06-17
—
condos
2
2
1,245
$3,475
2026-05-01
—
condos
2
2
1,181
$3,500
2026-03-20
—
condos
2
2
1,600
$5,200
2026-08-03
—
condos
2
3
1,663
$4,950
2026-06-17
—
condos
2
2
1,187
$2,995
2026-05-22
—
condos
2
2
1,167
$3,150
2026-01-27
—
condos
2
2
1,245
$3,400
2026-02-12
—
condos
2
2
1,464
$4,900
2026-06-05
—
condos
2
2
1,403
$4,500
2026-05-13
—
condos
2
2
1,353
$5,000
2026-04-06
—
condos
2
2
1,180
$4,200
2019-05-02
—
condos
2
2
1,288
$3,200
2026-06-29
—
condos
2
2
1,694
$6,200
2026-07-21
—
condos
2
2
1,447
$3,900
2026-05-28
—
condos
2
3
1,544
$4,500
2026-06-19
—
condos
2
2
1,187
$4,500
2026-08-06
—
condos
2
2
1,175
$3,100
2026-06-04
—
condos
2
2
1,460
$3,500
2026-07-14
—
condos
2
2
1,181
$3,100
2026-02-25
—
condos
2
3
1,545
$4,500
2026-05-13
—
condos
2
2
1,180
$3,500
2025-06-09
—
condos
2
2
1,677
$3,800
2026-07-21
—
condos
2
2
1,353
$3,600
2026-03-11
—
condos
2
2
1,175
$3,400
2026-05-28
—
condos
2
2
1,257
$3,500
2026-08-04
—
condos
2
2
1,167
$3,350
2026-08-06
—
condos
2
2
1,171
$3,350
2026-07-01
—
condos
2
2
1,180
$3,500
2025-04-10
—
condos
2
2
1,425
$5,000
2026-08-17
—
condos
2
2
1,180
$3,500
2025-05-30
—
condos
2
2
1,820
$5,400
2025-08-12
—
condos
2
2
1,181
$3,500
2026-04-13
—
condos
2
3
1,560
$6,500
2026-06-04
—
condos
2
2
1,181
$4,100
2026-07-25
—
condos
2
2
1,181
$3,900
2026-05-13
—
condos
2
2
1,171
$3,300
2025-03-13
—
condos
2
3
1,355
$3,500
2026-03-19
—
condos
2
2
1,353
$4,200
2026-06-30
—
condos
2
2
1,667
$4,200
2026-04-08
—
condos
2
2
1,180
$4,000
2025-05-06
—
condos
2
2
1,425
$4,300
2026-07-10
—
condos
2
2
1,180
$4,500
2026-07-15
—
condos
2
2
1,180
$4,500
2024-09-24
—
condos
2
2
1,335
$4,800
2026-08-12
—
condos
2
2
1,622
$5,800
2026-08-05
—
condos
2
2
1,150
$5,750
2026-04-15
—
condos
2
4
1,879
$7,200
2026-07-14
—
condos
2
3
2,360
$6,700
2026-04-28
—
condos
2
2
1,180
$5,500
2026-07-12
—
apartment
2
3
1,455
$3,516
—
—
condos
2
2
1,181
$2,500
—
—
condos
2
2
1,181
$3,195
2026-08-03
—
apartment
2
2
1,297
$2,888
—
—
apartment
2
3
1,359
$3,491
—
—
apartment
2
3
1,455
$3,516
—
—
condos
2
3
1,610
$5,500
2026-06-11
—
condos
2
2
1,257
$3,600
—
—
apartment
2
2
1,264
$2,727
—
—
condos
2
2
1,901
$6,000
—
—
condos
2
2
1,353
$4,200
—
—
condos
2
2
1,522
$3,800
—
—
condos
2
3
1,365
$3,100
—
—
condos
2
3
1,355
$3,000
—
—
condos
2
2
1,181
$3,600
—
—
condos
2
2
1,470
$4,200
—
—
condos
2
3
1,544
$4,000
—
—
condos
2
3
1,545
$4,400
—
—
condos
2
2
1,464
$4,200
—
—
condos
2
2
1,447
$4,300
—
—
apartment
2
3
1,273
$4,085
—
—
apartment
2
3
1,273
$4,110
—
—
apartment
2
3
1,273
$4,060
—
—
apartment
2
3
1,273
$4,085
—
—
apartment
2
3
1,273
$4,035
—
—
apartment
2
3
1,273
$4,110
—
—
apartment
2
3
1,273
$4,060
—
—
apartment
2
3
1,273
$4,085
—
—
apartment
2
3
1,273
$4,110
—
—
apartment
2
2
1,264
$2,764
—
—
condos
2
2
1,522
$3,800
—
—
apartment
2
2
1,176
$3,785
—
—
condos
2
2
1,150
$3,500
—
—
apartment
2
2
1,297
$2,888
—
—
apartment
2
2
1,264
$2,829
—
—
apartment
2
2
1,264
$2,778
—
—
apartment
2
2
1,297
$2,788
—
—
apartment
2
2
1,264
$2,779
—
—
apartment
2
2
1,264
$2,847
—
—
apartment
2
2
1,264
$2,764
—
—
apartment
2
2
1,167
$4,135
—
—
apartment
2
3
1,273
$4,110
—
—
condos
2
2
1,197
$3,700
—
—
apartment
2
2
1,207
$3,810
—
—
apartment
2
2
1,264
$2,709
—
—
apartment
2
2
1,264
$2,710
—
—
apartment
2
2
1,297
$2,888
—
—
apartment
2
2
1,297
$2,838
—
—
apartment
2
2
1,176
$4,135
—
—
apartment
2
2
1,268
$4,110
—
—
apartment
2
2
1,176
$4,135
—
—
apartment
2
2
1,176
$4,060
—
—
apartment
2
2
1,268
$4,110
—
—
apartment
2
2
1,268
$4,110
—
—
apartment
2
2
1,268
$4,110
—
—
condos
2
2
1,205
$4,700
—
—
apartment
2
3
1,359
$3,416
—
—
condos
2
2
1,181
$4,100
—
—
condos
2
2
1,522
$4,200
—
—
apartment
2
2
1,171
$3,242
—
—
apartment
2
3
1,455
$3,516
—
—
apartment
2
2
1,304
$3,370
—
—
apartment
2
2
1,304
$3,324
—
—
apartment
2
2
1,208
$3,419
—
—
apartment
2
2
1,208
$3,544
—
—
apartment
2
2
1,176
$3,785
—
—
apartment
2
2
1,176
$3,785
—
—
apartment
2
2
1,176
$3,860
—
—
apartment
2
2
1,176
$3,785
—
—
apartment
2
2
1,176
$3,785
—
—
apartment
2
2
1,210
$3,607
—
—
apartment
2
2
1,210
$3,607
—
—
apartment
2
2
1,208
$3,644
—
—
apartment
2
2
1,176
$3,785
—
—
apartment
2
2
1,176
$3,785
—
—
apartment
2
2
1,176
$3,785
—
—
apartment
2
2
1,176
$3,810
—
—
apartment
2
2
1,176
$3,860
—
—
apartment
2
2
1,176
$3,885
—
—
apartment
2
2
1,268
$3,935
—
—
apartment
2
2
1,176
$3,910
—
—
apartment
2
2
1,176
$3,910
—
—
apartment
2
2
1,176
$3,910
—
—
apartment
2
2
1,176
$3,910
—
—
apartment
2
2
1,176
$3,910
—
—
apartment
2
2
1,176
$3,860
—
—
apartment
2
2
1,176
$3,860
—
—
apartment
2
2
1,210
$3,657
—
—
apartment
2
2
1,176
$3,860
—
—
apartment
2
2
1,176
$3,860
—
—
apartment
2
2
1,167
$3,860
—
—
apartment
2
2
1,210
$3,657
—
—
apartment
2
2
1,207
$3,815
—
—
apartment
2
2
1,167
$3,810
—
—
apartment
2
2
1,176
$3,860
—
—
apartment
2
2
1,210
$3,657
—
—
apartment
2
2
1,176
$3,860
—
—
apartment
2
2
1,176
$4,260
—
—
apartment
2
2
1,268
$4,310
—
—
apartment
2
2
1,268
$4,210
—
—
apartment
2
2
1,268
$4,310
—
—
apartment
2
2
1,268
$4,260
—
—
apartment
2
2
1,176
$4,310
—
—
apartment
2
2
1,176
$4,235
—
—
apartment
2
2
1,268
$4,335
—
—
apartment
2
2
1,268
$4,285
—
—
apartment
2
2
1,176
$4,210
—
—
apartment
2
2
1,256
$3,960
—
—
apartment
2
2
1,176
$3,960
—
—
apartment
2
2
1,268
$3,985
—
—
apartment
2
2
1,268
$3,935
—
—
apartment
2
2
1,167
$3,935
—
—
apartment
2
2
1,176
$3,960
—
—
apartment
2
2
1,167
$3,935
—
—
apartment
2
2
1,268
$4,360
—
—
apartment
2
2
1,176
$4,385
—
—
apartment
2
2
1,268
$4,435
—
—
apartment
2
2
1,268
$4,360
—
—
apartment
2
2
1,268
$4,385
—
—
apartment
2
2
1,268
$4,515
—
—
apartment
2
2
1,268
$4,585
—
—
apartment
2
3
1,273
$4,210
—
—
apartment
2
2
1,268
$4,160
—
—
apartment
2
3
1,273
$4,210
—
—
apartment
2
3
1,273
$4,185
—
—
apartment
2
2
1,268
$4,010
—
—
apartment
2
3
1,273
$4,160
—
—
apartment
2
3
1,273
$4,160
—
—
apartment
2
2
1,268
$4,210
—
—
apartment
2
2
1,268
$4,010
—
—
apartment
2
2
1,268
$4,460
—
—
apartment
2
2
1,268
$4,560
—
—
apartment
2
2
1,268
$4,715
—
—
condos
2
3
1,365
$3,650
2026-07-27
—
condos
2
2
1,677
$4,500
2026-08-31
—
condos
2
2
1,174
$2,850
2026-08-31
—
condos
2
2
1,214
$3,200
2026-09-02
—
apartment
2
2
1,380
$3,895
2026-09-01
—
condos
2
2
1,180
$3,500
2026-09-01
—
condos
2
2
1,677
$5,800
2026-09-01
—
condos
2
3
2,190
$7,000
2026-09-01
—
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.
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.
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.