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
$799,000
Down payment (20.0%)
$159,800
Loan amount
$639,200
Closing costs (5.0%)
$39,950
Total cash to close
$199,750
Income
Rent (comp-derived)
$4,200$50,400
Vacancy loss (8.0%)
Effective gross income
$3,864$46,368
Operating expenses
Property tax (placeholder 1.9% of price)
$1,265$15,181
Insurance (est. scaled by flood & wind risk)
$932$11,186
HOA dues
$2,198$26,376
Management (0.0% of EGI)
$0$0
Maintenance (5.0% of GSR)
$210$2,520
Total operating expenses
$4,605$55,263
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)
$210$2,520
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
3
1,392
$2,800
2026-07-21
—
condos
2
3
1,392
$3,500
2026-06-22
—
apartment
2
2
1,800
$2,700
2026-05-06
—
condos
2
3
1,392
$2,800
2026-04-14
—
condos
2
2
1,610
$4,850
—
—
condos
2
2
1,677
$3,800
—
—
apartment
2
2
1,304
$3,399
—
—
condos
2
2
1,335
$4,800
2026-08-27
—
condos
2
2
1,308
$2,800
2026-08-07
—
condos
2
2
1,353
$3,300
2026-07-31
—
condos
2
2
1,308
$2,500
2026-08-13
—
condos
2
2
1,302
$2,950
2026-08-14
—
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
1,310
$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
1,403
$3,750
2026-07-27
—
condos
2
2
1,522
$3,800
2026-06-17
—
condos
2
2
1,505
$4,000
2026-08-26
—
condos
2
2
1,380
$4,950
2026-08-26
—
condos
2
2
1,313
$2,750
2026-01-17
—
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
1,312
$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
1,522
$2,850
2026-02-27
—
condos
2
2
1,763
$5,200
2026-08-11
—
condos
2
2
1,510
$4,500
2026-08-03
—
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
3
1,552
$4,900
2026-07-17
—
condos
2
2
1,815
$5,100
2026-06-23
—
condos
2
2
1,590
$3,200
2026-01-18
—
condos
2
2
1,464
$5,000
2026-06-11
—
condos
2
2
1,825
$7,800
2026-07-18
—
condos
2
2
1,505
$4,590
2026-07-28
—
condos
2
2
1,825
$5,500
2026-04-23
—
condos
2
2
1,460
$4,095
2025-11-25
—
condos
2
2
1,647
$5,500
2026-06-19
—
condos
2
3
2,370
$8,700
2026-07-20
—
condos
2
2
1,464
$4,200
2026-06-17
—
condos
2
2
1,447
$3,700
2026-06-17
—
condos
2
3
1,365
$4,900
2026-07-28
—
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
1,353
$3,500
2026-06-29
—
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
1,447
$4,200
2026-03-14
—
condos
2
2
1,384
$5,500
2026-06-17
—
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
1,522
$5,750
2026-07-30
—
condos
2
2
1,361
$3,950
2026-06-30
—
condos
2
3
1,365
$3,400
2026-05-11
—
condos
2
2
1,310
$3,950
2026-07-14
—
condos
2
2
1,430
$3,960
2026-06-17
—
condos
2
2
1,600
$5,200
2026-08-03
—
condos
2
3
1,663
$4,950
2026-06-17
—
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
1,694
$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
1,460
$3,500
2026-07-14
—
condos
2
3
1,545
$4,500
2026-05-13
—
condos
2
2
1,677
$3,800
2026-07-21
—
condos
2
2
1,353
$3,600
2026-03-11
—
condos
2
2
1,425
$5,000
2026-08-17
—
condos
2
2
1,820
$5,400
2025-08-12
—
condos
2
3
1,560
$6,500
2026-06-04
—
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
1,425
$4,300
2026-07-10
—
condos
2
2
1,335
$4,800
2026-08-12
—
condos
2
2
1,622
$5,800
2026-08-05
—
condos
2
4
1,879
$7,200
2026-07-14
—
condos
2
3
2,360
$6,700
2026-04-28
—
condos
2
4
2,400
$12,000
2026-06-11
—
condos
2
4
2,400
$12,500
2026-04-16
—
condos
2
4
2,400
$11,000
2026-01-14
—
apartment
2
3
1,455
$3,516
—
—
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
1,901
$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
1,470
$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
—
—
condos
2
2
1,522
$3,800
—
—
apartment
2
3
1,359
$3,416
—
—
condos
2
2
1,522
$4,200
—
—
apartment
2
3
1,455
$3,516
—
—
apartment
2
2
1,304
$3,370
—
—
apartment
2
2
1,304
$3,324
—
—
condos
2
4
2,400
$11,000
—
—
condos
2
4
2,400
$12,000
—
—
condos
2
3
1,365
$3,650
2026-07-27
—
condos
2
2
1,677
$4,500
2026-08-31
—
apartment
2
2
1,380
$3,895
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.