6410 SW 39th St
Miami, FL 33155 · single_family · For Sale · 38 days on market
Asking price$650,000
2 beds 1 baths 928 sqft
Suggested offer$486,346$163,654 above the est. market value of $486,346.
View on Realtor.com →Listed by Richard Naranjo · Amerifirst Realty
Typesingle_family
Built1947
Price / sqft$700
Est. value (own analysis)$486,346
Rent estimate (own analysis)$3,000/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeFlood2/10minor$Air2/10MinorWildfire1/10Minimal
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Statusfor_sale
Listed date2026-07-27
Removed date—
MLSMiamiMLS #A12057709
Coordinates25.73481, -80.29917
Address6410 SW 39th St
CityMiami
StateFL
Zip33155
Listing ID6928197069
Sourceus-real-estate-listings, cached 2026-08-31
ZIP market snapshot (33155)
Typical home value (ZHVI)$716,503
Typical rent (ZORI)$2,758/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)
| Acquisition (one-time, not monthly/yearly) | |
| Purchase price | $650,000 |
| Down payment (20.0%) | $130,000 |
| Loan amount | $520,000 |
| Closing costs (5.0%) | $32,500 |
| Total cash to close | $162,500 |
| Income | |
| Rent (comp-derived) | $3,000$36,000 |
| Vacancy loss (8.0%) | |
| Effective gross income | $2,760$33,120 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,029$12,350 |
| Insurance (est. scaled by flood & wind risk) | $650$7,800 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $150$1,800 |
| Total operating expenses | $1,829$21,950 |
| 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) | $150$1,800 |
| 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 |
|---|---|---|---|---|---|---|---|
| single_family | 2 | 1 | 967 | $2,995 | 2026-08-13 | — | |
| single_family | 2 | 1 | 850 | $2,100 | 2026-07-27 | — | |
| single_family | 2 | 1 | 1,240 | $3,000 | 2026-07-20 | — | |
| single_family | 2 | 2 | 901 | $3,950 | 2026-07-16 | — | |
| single_family | 2 | 2 | 1,000 | $4,400 | 2026-06-19 | — |
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 |
|---|---|---|---|---|---|---|
| 6230 SW 27th St | single_family | 2 | 2 | 1,411 | $945,000 | 2026-07-23 |
| 5730 SW 42nd Ter | single_family | 2 | 1 | 936 | $603,897 | 2026-06-26 |
| 5900 SW 34th St | single_family | 2 | 1 | 1,816 | $2,254,000 | 2026-06-18 |
| 6201 SW 20th St | single_family | 2 | 1 | 1,378 | $500,000 | 2026-05-28 |
| 6790 SW 25th Ter | single_family | 2 | 1 | 1,059 | $555,000 | 2026-05-05 |
| 5747 SW 55th St | single_family | 2 | 2 | 1,447 | $855,000 | 2026-05-01 |
| 6130 SW 46th Ter | single_family | 2 | 1 | 1,136 | $770,000 | 2026-04-10 |
| 6766 SW 25th Ter | single_family | 2 | 2 | 1,200 | $550,000 | 2026-04-08 |
| 2217 Red Rd | single_family | 2 | 1 | 1,792 | $925,000 | 2026-04-06 |
| 2330 SW 58th Ave | single_family | 2 | 2 | 1,175 | $480,000 | 2026-03-11 |
| 6756 SW 39th Ter | single_family | 2 | 1 | 1,156 | $450,000 | 2026-03-10 |
| 6411 SW 44th St | single_family | 2 | 1 | 1,846 | $602,400 | 2026-02-05 |
| 6490 SW 37th St | single_family | 2 | 1 | 984 | $706,100 | 2026-01-29 |
| 6047 SW 34th St | single_family | 2 | 2 | 1,390 | $1,125,000 | 2026-01-14 |
| 3031 SW 64th Ave | single_family | 2 | 1 | 2,340 | $985,000 | 2025-12-29 |
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 |
|---|---|---|---|---|---|---|
| 7829 Miller Dr Apt B205 | condos | 2 | 1 | 840 | $199,999 | — |
| 6387 SW 42nd St | single_family | 2 | 1 | 1,100 | $725,000 | — |
| 4600 SW 67th Ave Apt 243 | condos | 2 | 2 | 988 | $339,000 | — |
| 6845 SW 45th Ln Apt 10 | condos | 2 | 3 | 1,000 | $435,000 | — |
| 5555 Ludlam Rd Unit 41 | condos | 2 | 3 | 1,007 | $499,900 | — |
| 6447 SW 32nd St | single_family | 2 | 1 | 1,330 | $650,000 | — |
| 4863 SW 71st Pl | townhomes | 2 | 3 | 1,552 | $775,000 | — |
| 6507 SW 39th Ter | single_family | 2 | 1 | 1,018 | $699,990 | — |
10-year hold projection
IRR-2.7%
Equity multiple0.56x
Total return (10yr)$13,559
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $669,500 | $11,170 | -$30,730 | $514,362 | $155,138 |
| 2 | $689,585 | $11,615 | -$30,330 | $508,337 | $181,248 |
| 3 | $710,273 | $12,076 | -$29,915 | $501,898 | $208,374 |
| 4 | $731,581 | $12,553 | -$29,485 | $495,017 | $236,564 |
| 5 | $753,528 | $13,048 | -$29,039 | $487,663 | $265,865 |
| 6 | $776,134 | $13,561 | -$28,576 | $479,805 | $296,329 |
| 7 | $799,418 | $14,092 | -$28,096 | $471,407 | $328,011 |
| 8 | $823,401 | $14,642 | -$27,598 | $462,432 | $360,969 |
| 9 | $848,103 | $15,211 | -$27,082 | $452,841 | $395,262 |
| 10 | $873,546 | $15,802 | -$26,546 | $442,591 | $430,955 |
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.