11530 SW 136th St

Miami, FL 33176 · single_family · For Sale · 33 days on market
Asking price$525,000
3 beds 1 baths 1,070 sqft
Suggested offer$474,200$50,800 above the est. market value of $474,200.
View on Realtor.com →
Listed by JULIO VERAS · Florida Finest Homes Rlty Inc
Typesingle_family
Built
Price / sqft$491
Est. value (Realtor.com)$474,200
Rent estimate (own analysis)$3,100/mo
HOANone
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Neighborhood

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Statusfor_sale
Listed date2026-07-29
Removed date
MLSMiamiMLS #A12061521
Coordinates25.64170, -80.38175
Address11530 SW 136th St
CityMiami
StateFL
Zip33176
Listing ID6897355390
Sourcerealtor, cached 2026-08-21

ZIP market snapshot (33176)

Typical home value (ZHVI)$630,508
Typical rent (ZORI)$2,301/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$525,000
Down payment (20.0%)$105,000
Loan amount$420,000
Closing costs (5.0%)$26,250
Total cash to close$131,250
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 (real MLS tax bill, from Realtor Search)$125$1,500
Insurance (placeholder 0.8% of price)$350$4,200
HOA dues$0$0
Management (0.0% of EGI)$0$0
Maintenance (5.0% of GSR)$155$1,860
Total operating expenses$630$7,560
Net operating income (NOI)

Net Operating Income (NOI)

Effective Gross Income − Total Operating Expenses

Effective gross income derived$34,224
Total operating expenses derived$7,560

$34,224 − $7,560 = $26,664

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$420,000
Interest rate (avg 30yr rate) comp6.7%
Term (assumption) assumption30 years

$420,000 amortized at 6.7% over 30 years = $2,699/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$26,664
Annual debt service derived$32,388
Annual CapEx reserve assumption$1,860
Annual PMI assumption$0

($26,664 − $32,388 − $1,860 − $0) ÷ 12 = -$632

Cap rate

Cap Rate

NOI ÷ Purchase Price

NOI derived$26,664
Purchase price data$525,000

$26,664 ÷ $525,000 = 5.1%

Cash-on-cash

Cash-on-Cash Return

Annual Cash Flow ÷ Total Cash Invested

Annual cash flow derived-$7,584
Total cash to close derived$131,250

-$7,584 ÷ $131,250 = -5.8%

DSCR

Debt Service Coverage Ratio (DSCR)

NOI ÷ Annual Debt Service

NOI derived$26,664
Annual debt service derived$32,388

$26,664 ÷ $32,388 = 0.82

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$525,000

($37,200 ÷ 12) ÷ $525,000 = 0.6%

Gross rent multiplier

Gross Rent Multiplier (GRM)

Purchase Price ÷ Gross Scheduled Rent

Purchase price data$525,000
Gross scheduled rent (annual) comp$37,200

$525,000 ÷ $37,200 = 14.1

Operating expense ratio

Operating Expense Ratio

Total Operating Expenses ÷ Effective Gross Income

Total operating expenses derived$7,560
Effective gross income derived$34,224

$7,560 ÷ $34,224 = 22.1%

Break-even occupancy

Break-Even Occupancy

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

Total operating expenses derived$7,560
Annual debt service derived$32,388
Annual PMI assumption$0
Gross scheduled rent (annual) comp$37,200

($7,560 + $32,388 + $0) ÷ $37,200 = 107.4%

Comparables

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

AddressTypeBedsBathsSqftAsking rentListedDays on market
single_family321,396$3,7502026-07-27
single_family321,085$2,9002026-07-24
single_family311,035$2,8002026-07-22
single_family321,414$3,3502026-07-21
single_family311,246$3,2002026-06-27
single_family321,352$3,9752026-06-12
single_family321,200$3,1002026-07-31
single_family321,159$2,800
single_family321,200$3,000

9119 SW 129th Ln

Miami, 33176 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,396
Listed2026-07-27
Days on market

Asking rent: $3,750

View on Zillow →

14340 Graves Dr

Miami, 33176 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,085
Listed2026-07-24
Days on market

Asking rent: $2,900

View on Zillow →

11535 SW 139th Ter

Miami, 33176 · rent comp

Bedrooms / bathrooms3 bd / 1 ba
Square footage1,035
Listed2026-07-22
Days on market

Asking rent: $2,800

View on Zillow →

11529 SW 133rd Ter

Miami, 33176 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,414
Listed2026-07-21
Days on market

Asking rent: $3,350

View on Zillow →

14253 SW 107th Pl

Miami, 33176 · rent comp

Bedrooms / bathrooms3 bd / 1 ba
Square footage1,246
Listed2026-06-27
Days on market

Asking rent: $3,200

View on Zillow →

11403 SW 107th Ave

Miami, 33176 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,352
Listed2026-06-12
Days on market

Asking rent: $3,975

View on Zillow →

14515 SW 105th Ct Unit 0

Miami, 33176 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,200
Listed2026-07-31
Days on market

Asking rent: $3,100

View on Zillow →

11535 Lincoln Blvd # 0

Miami, 33176 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,159
Listed
Days on market

Asking rent: $2,800

View on Zillow →

14301 SW 105th Ave # 0

Miami, 33176 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,200
Listed
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
9220 SW 100 AVENUE RDSINGLE FAMILY : 1 UNIT321,834$880,0002026-06-09
10500 SW 93 STSINGLE FAMILY : 1 UNIT322,053$203,7002026-06-02
11301 SW 108 AVESINGLE FAMILY : 1 UNIT321,300$700,0002026-05-29
10325 SW 102 CTSINGLE FAMILY : 1 UNIT321,592$890,0002026-05-26
9490 SW 117 TERSINGLE FAMILY : 1 UNIT321,750$1,580,0002026-05-26
11611 SW 106 TERSINGLE FAMILY : CLUSTER HOME321,758$875,0002026-05-20
11705 SW 97 CTSINGLE FAMILY : 1 UNIT321,595$920,0002026-05-18
9700 KENDALE BLVDSINGLE FAMILY : 1 UNIT321,509$810,0002026-04-30
10900 SW 90 AVESINGLE FAMILY : 1 UNIT322,836$1,750,0002026-04-22
10901 SW 116 STSINGLE FAMILY : 1 UNIT321,316$875,0002026-04-10
10525 SW 112 STSINGLE FAMILY : 1 UNIT321,509$1,025,0002026-04-09
9760 SW 119 STSINGLE FAMILY : 1 UNIT321,901$1,250,0002026-04-02
10375 SW 111 STSINGLE FAMILY : 1 UNIT323,180$975,0002026-03-30
9361 SW 102 CTSINGLE FAMILY : 1 UNIT322,024$1,050,0002026-03-23
10575 SW 102 STSINGLE FAMILY : 1 UNIT321,592$535,2002026-03-10
11550 SW 108 CTSINGLE FAMILY : 1 UNIT321,662$715,0002026-03-05
9925 SW 97 PLSINGLE FAMILY : 1 UNIT321,603$753,0002026-02-24
11000 SW 116 STSINGLE FAMILY : 1 UNIT311,352$797,0002026-02-20
10255 SW 96 TERSINGLE FAMILY : 1 UNIT321,834$1,125,0002026-02-09
9130 SW 101 AVESINGLE FAMILY : 1 UNIT321,663$720,0002026-02-06
10311 SW 89 STSINGLE FAMILY : 1 UNIT323,295$1,250,0002026-01-30
10320 SW 91 STSINGLE FAMILY : 1 UNIT321,566$1,000,0002026-01-30
11341 SW 93 STSINGLE FAMILY : 1 UNIT321,508$1,350,0002026-01-30
8960 SW 115 TERSINGLE FAMILY : 1 UNIT323,179$1,625,0002025-12-22
9830 SW 112 STSINGLE FAMILY : 1 UNIT312,685$1,000,0002025-12-21
9741 SW 119 STSINGLE FAMILY : 1 UNIT321,997$750,0002025-12-18
11325 SW 109 AVESINGLE FAMILY : 1 UNIT321,728$855,0002025-11-24
10920 SW 105 AVESINGLE FAMILY : 1 UNIT321,957$1,175,0002025-11-24
10420 SW 98 STSINGLE FAMILY : 1 UNIT321,874$907,5002025-11-13
9291 SW 88 STSINGLE FAMILY : 1 UNIT323,049$2,300,0002025-11-05
8845 SW 116 STSINGLE FAMILY : 1 UNIT322,324$1,900,0002025-11-03
11283 SW 112 TERSINGLE FAMILY : 1 UNIT322,186$817,0002025-10-27
11196 SW 112 TERSINGLE FAMILY : 1 UNIT322,236$313,4002025-10-27
10405 SW 107 TERSINGLE FAMILY : 1 UNIT321,989$175,0002025-10-27
10261 SW 109 STSINGLE FAMILY : 1 UNIT321,589$998,0002025-10-15
11195 SW 115 TERSINGLE FAMILY : 1 UNIT321,616$730,0002025-09-28
10321 SW 98 STSINGLE FAMILY : 1 UNIT321,969$930,0002025-09-17
10921 SW 102 CTSINGLE FAMILY : 1 UNIT321,997$1,490,0002025-09-17
9230 SW 100 AVENUE RDSINGLE FAMILY : 1 UNIT321,977$675,0002025-09-12
10480 KILLIAN DRSINGLE FAMILY : 1 UNIT321,524$760,0002025-08-27
10381 SW 114 TERSINGLE FAMILY : 1 UNIT322,116$300,0002025-08-16
10475 SW 96 TERSINGLE FAMILY : 1 UNIT321,785$761,5002025-08-15
11155 SW 112 TERSINGLE FAMILY : 1 UNIT321,300$725,0002025-08-15
9941 SW 97 CTSINGLE FAMILY : 1 UNIT321,775$875,0002025-08-14
11380 SW 93 STSINGLE FAMILY : 1 UNIT322,083$1,580,0002025-07-31
10322 SW 115 STSINGLE FAMILY : 1 UNIT321,500$900,0002025-07-16
11611 SW 112 STSINGLE FAMILY : CLUSTER HOME321,647$650,0002025-07-03
11530 SW 97 STSINGLE FAMILY : 1 UNIT321,808$700,0002025-06-27
10515 SW 96 TERSINGLE FAMILY : 1 UNIT321,554$900,0002025-06-20
10302 SW 119 STSINGLE FAMILY : 1 UNIT321,524$965,0002025-06-20

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
9123 SW 112th Ctsingle_family331,952$689,900
14815 Bethune Drtownhomes33$569,900
10225 SW 89th Sttownhomes331,656$595,000
10220 SW 91st Stsingle_family321,987$925,000
13340 SW 112th Ctsingle_family321,212$489,900
10471 SW 141 Stsingle_family312,328$550,000
11411 SW 109th Rd Unit 50Ycondos331,342$420,000
14052 SW 110th Avesingle_family321,778$594,000

10-year hold projection

IRR6.6%
Equity multiple2.05x
Total return (10yr)$205,999
YearProperty valueNOICash flowLoan balanceEquity
1$540,750$26,664-$7,584$415,446$125,304
2$556,973$27,502-$6,793$410,580$146,393
3$573,682$28,366-$5,977$405,379$168,302
4$590,892$29,256-$5,135$399,822$191,071
5$608,619$30,175-$4,267$393,882$214,737
6$626,877$31,122-$3,371$387,535$239,342
7$645,684$32,098-$2,447$380,752$264,932
8$665,054$33,105-$1,495$373,503$291,551
9$685,006$34,143-$512$365,756$319,250
10$705,556$35,213$502$357,478$348,078
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 always a placeholder, not a real quote — verify both, along with association restrictions and permit status, before committing capital. Rent estimates come from real comps or Zillow's ZIP index, not appraisals.