| Acquisition (one-time, not monthly/yearly) | |
| Purchase price | $399,000 |
| Down payment (20.0%) | $79,800 |
| Loan amount | $319,200 |
| Closing costs (5.0%) | $19,950 |
| Total cash to close | $99,750 |
| Income | |
| Rent (comp-derived) | $2,550$30,600 |
| Vacancy loss (8.0%) | |
| Effective gross income | $2,346$28,152 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $632$7,581 |
| Insurance (placeholder 0.8% of price) | $266$3,192 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $128$1,530 |
| Total operating expenses | $1,025$12,303 |
| 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) | $128$1,530 |
| Mortgage insurance (PMI) (0.0% of loan, not required — down payment ≥ 20%) | $0$0 |
| Cash flow |
Same ZIP. Real active rental listings, used to derive the rent estimate above.
| Address | Type | Beds | Baths | Sqft | Asking rent | Listed | Days on market |
|---|---|---|---|---|---|---|---|
| single_family | 2 | 1 | 1,887 | $1,900 | 2026-08-19 | — | |
| single_family | 2 | 1 | 1,682 | $2,650 | 2026-07-21 | — | |
| single_family | 2 | 2 | 1,555 | $3,600 | 2026-07-11 | — | |
| single_family | 2 | 1 | 1,163 | $2,000 | 2026-07-08 | — | |
| single_family | 2 | 1 | 1,486 | $2,550 | 2026-07-02 | — | |
| single_family | 2 | 2 | 1,346 | $2,400 | 2026-06-23 | — | |
| single_family | 2 | 1 | 1,147 | $4,200 | 2026-05-17 | — |
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.
| Address | Type | Beds | Baths | Living sqft | Sale price | Sale date |
|---|---|---|---|---|---|---|
| 9025 NW 9th Ct | single_family | 2 | 1 | 958 | $300,000 | 2026-08-18 |
| 560 NW 97th St | single_family | 2 | 1 | 850 | $405,000 | 2026-08-07 |
| 9100 N Miami Ave | single_family | 2 | 1 | 1,367 | $623,438 | 2026-08-04 |
| 9760 NW 8th Ave | single_family | 2 | 1 | 1,224 | $230,000 | 2026-08-04 |
| 8012 NW 10th Ct | single_family | 2 | 1 | 1,014 | $469,000 | 2026-08-03 |
| 768 NW 65th St | single_family | 2 | 1 | 994 | $315,000 | 2026-07-31 |
| 432 NW 103rd St | single_family | 2 | 1 | 1,046 | $565,000 | 2026-07-20 |
| 579 NW 102nd St | single_family | 2 | 1 | 1,052 | $435,000 | 2026-07-13 |
| 783 NW 98th St | single_family | 2 | 1 | 1,538 | $460,000 | 2026-07-08 |
| 513 NW 99th St | single_family | 2 | 1 | 884 | $420,000 | 2026-07-02 |
| 274 NW 92nd St | single_family | 2 | 1 | 1,373 | $799,000 | 2026-07-01 |
| 743 NW 77th Ter | single_family | 2 | 1 | 1,023 | $493,000 | 2026-06-01 |
| 545 NW 77th St | single_family | 2 | 1 | 955 | $375,000 | 2026-05-27 |
| 7740 NW 9th Ave | single_family | 2 | 1 | 1,354 | $395,000 | 2026-05-22 |
| 935 NW 75th St | single_family | 2 | 1 | 1,134 | $240,000 | 2026-05-15 |
| 180 NW 69th St | single_family | 2 | 1 | 1,178 | $550,000 | 2026-05-13 |
| 289 NW 92nd St | single_family | 2 | 1 | 1,326 | $885,000 | 2026-05-12 |
| 8980 NW 5th Ave | single_family | 2 | 1 | 1,466 | $420,000 | 2026-05-06 |
| 1083 NW 74th St | single_family | 2 | 1 | 1,062 | $335,000 | 2026-05-01 |
| 6400 NW Miami Pl | single_family | 2 | 1 | 1,055 | $250,000 | 2026-04-30 |
| 166 NW 100th Ter | single_family | 2 | 1 | 1,327 | $850,000 | 2026-04-17 |
| 9301 NW 2nd Pl | single_family | 2 | 1 | 1,037 | $889,000 | 2026-03-31 |
| 1043 NW 75th St | single_family | 2 | 1 | 775 | $325,000 | 2026-03-18 |
| 751 NW 64th St | single_family | 2 | 1 | 1,021 | $247,648 | 2026-03-12 |
| 125 NW 100th Ter | single_family | 2 | 2 | 1,415 | $876,000 | 2026-03-03 |
| 20 NW 93rd St | single_family | 2 | 1 | 1,225 | $880,000 | 2026-02-25 |
| 247 NW 97th St | single_family | 2 | 1 | 780 | $321,000 | 2026-02-20 |
| 273 NW 92nd St | single_family | 2 | 1 | 1,056 | $730,000 | 2026-02-17 |
| 761 NW 74th St | single_family | 2 | 1 | 1,374 | $395,000 | 2026-02-06 |
| 8721 N Miami Ave | single_family | 2 | 2 | 1,263 | $490,000 | 2026-02-06 |
| 524 NW 88th St | single_family | 2 | 1 | 960 | $515,000 | 2026-01-26 |
| 9674 NW 10th Ave Lot H830 | single_family | 2 | 1 | 672 | $1,000 | 2026-01-22 |
| 45 NW 96th St | single_family | 2 | 2 | 1,928 | $1,610,000 | 2025-12-22 |
| 68 NW 97th St | single_family | 2 | 1 | 1,192 | $1,100,000 | 2025-12-02 |
| 427 NW 82nd Ter | single_family | 2 | 1 | 1,280 | $530,000 | 2025-11-21 |
| 150 NW 68th St | single_family | 2 | 1 | 1,058 | $260,000 | 2025-11-18 |
| 401 NW 104th St | single_family | 2 | 1 | 1,486 | $240,000 | 2025-11-04 |
| 627 NW 69th St | single_family | 2 | 1 | 1,668 | $245,000 | 2025-10-01 |
| 29 NW 96th St | single_family | 2 | 1 | 1,396 | $1,190,000 | 2025-09-26 |
| 527 NW 97th St | single_family | 2 | 1 | 760 | $250,000 | 2025-09-25 |
| 118 NW 100th Ter | single_family | 2 | 2 | 1,065 | $740,000 | 2025-09-18 |
| 10633 NW 6th Ave | single_family | 2 | 1 | 1,295 | $350,000 | 2025-09-12 |
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.
| Address | Type | Beds | Baths | Sqft | Asking price | Days on market |
|---|---|---|---|---|---|---|
| 1059 NW 77th St | single_family | 2 | 2 | 822 | $435,000 | — |
| 6545 NW 6th Ave | single_family | 2 | 1 | 650 | $535,000 | — |
| 180 NW 67th St | single_family | 2 | 1 | 1,001 | $499,000 | — |
| 111 NW 64th St | single_family | 2 | 1 | 1,364 | $480,000 | — |
| 436 NW 84th Ter Unit 436 | townhomes | 2 | 1 | 930 | $165,000 | — |
| 545 NW 81st St | multi_family | 2 | 2 | 1,692 | $499,900 | — |
| 265 NW 80th St | single_family | 2 | 1 | 858 | $230,000 | — |
| single_family | 2 | 1 | 1,182 | $520,000 | — |
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $410,970 | $15,849 | -$10,296 | $315,739 | $95,231 |
| 2 | $423,299 | $16,386 | -$9,798 | $312,041 | $111,259 |
| 3 | $435,998 | $16,941 | -$9,282 | $308,088 | $127,910 |
| 4 | $449,078 | $17,513 | -$8,749 | $303,864 | $145,214 |
| 5 | $462,550 | $18,105 | -$8,199 | $299,350 | $163,200 |
| 6 | $476,427 | $18,716 | -$7,630 | $294,526 | $181,901 |
| 7 | $490,720 | $19,347 | -$7,042 | $289,371 | $201,349 |
| 8 | $505,441 | $19,999 | -$6,435 | $283,861 | $221,580 |
| 9 | $520,605 | $20,672 | -$5,807 | $277,974 | $242,631 |
| 10 | $536,223 | $21,367 | -$5,159 | $271,682 | $264,541 |