10470 SW 149th St

Miami, FL 33176 · single_family · For Sale · 33 days on market
Asking price$370,000
0 beds — baths 1,056 sqft
View on Realtor.com →
Listed by Daniela Cesin · London Foster Realty
Typesingle_family
Built1961
Price / sqft$350
Est. value (own analysis)$510,217
Rent estimate (Zillow ZIP avg)$2,301/mo
HOANone
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Neighborhood

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Statusfor_sale
Listed date2026-07-31
Removed date
MLSMiamiMLS #A12063287
Coordinates25.63080, -80.36416
Address10470 SW 149th St
CityMiami
StateFL
Zip33176
Listing ID6936708225
Sourceus-real-estate-listings, cached 2026-08-28

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$370,000
Down payment (20.0%)$74,000
Loan amount$296,000
Closing costs (5.0%)$18,500
Total cash to close$92,500
Rent (ZIP avg, ZORI — not bedroom-specific)$2,301$27,609
Vacancy loss (8.0%)

Vacancy Loss

Gross Scheduled Rent × Vacancy Rate

Gross scheduled rent (annual) comp$27,609
Vacancy rate (assumption) assumption8.0%

$27,609 × 8.0% = $2,209

Effective gross income$2,117$25,401
Property tax (placeholder 1.9% of price)$586$7,030
Insurance (placeholder 0.8% of price)$247$2,960
HOA dues$0$0
Management (0.0% of EGI)$0$0
Maintenance (5.0% of GSR)$115$1,380
Total operating expenses$948$11,370
Net operating income (NOI)

Net Operating Income (NOI)

Effective Gross Income − Total Operating Expenses

Effective gross income derived$25,401
Total operating expenses derived$11,370

$25,401 − $11,370 = $14,030

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$296,000
Interest rate (avg 30yr rate) comp6.7%
Term (assumption) assumption30 years

$296,000 amortized at 6.7% over 30 years = $1,902/mo

CapEx reserve (5.0% of GSR)$115$1,380
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$14,030
Annual debt service derived$22,826
Annual CapEx reserve assumption$1,380
Annual PMI assumption$0

($14,030 − $22,826 − $1,380 − $0) ÷ 12 = -$848

Cap rate

Cap Rate

NOI ÷ Purchase Price

NOI derived$14,030
Purchase price data$370,000

$14,030 ÷ $370,000 = 3.8%

Cash-on-cash

Cash-on-Cash Return

Annual Cash Flow ÷ Total Cash Invested

Annual cash flow derived-$10,176
Total cash to close derived$92,500

-$10,176 ÷ $92,500 = -11.0%

DSCR

Debt Service Coverage Ratio (DSCR)

NOI ÷ Annual Debt Service

NOI derived$14,030
Annual debt service derived$22,826

$14,030 ÷ $22,826 = 0.61

Rent-to-price (1% rule)

Rent-to-Price (the "1% rule")

(Gross Scheduled Rent ÷ 12) ÷ Purchase Price

Gross scheduled rent (annual) comp$27,609
Purchase price data$370,000

($27,609 ÷ 12) ÷ $370,000 = 0.6%

Gross rent multiplier

Gross Rent Multiplier (GRM)

Purchase Price ÷ Gross Scheduled Rent

Purchase price data$370,000
Gross scheduled rent (annual) comp$27,609

$370,000 ÷ $27,609 = 13.4

Operating expense ratio

Operating Expense Ratio

Total Operating Expenses ÷ Effective Gross Income

Total operating expenses derived$11,370
Effective gross income derived$25,401

$11,370 ÷ $25,401 = 44.8%

Break-even occupancy

Break-Even Occupancy

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

Total operating expenses derived$11,370
Annual debt service derived$22,826
Annual PMI assumption$0
Gross scheduled rent (annual) comp$27,609

($11,370 + $22,826 + $0) ÷ $27,609 = 123.9%

Comparables

Widened to city-wide. Real active rental listings, used to derive the rent estimate above.

AddressTypeBedsBathsSqftAsking rentListedDays on market
single_family01475$1,5752026-08-18
single_family01300$1,2002026-05-13

16954 SW 90th St Unit Studio

Miami, 33196 · rent comp

Bedrooms / bathrooms0 bd / 1 ba
Square footage475
Listed2026-08-18
Days on market

Asking rent: $1,575

View on Zillow →

3616 SW 113th Ct Unit 2

Miami, 33165 · rent comp

Bedrooms / bathrooms0 bd / 1 ba
Square footage300
Listed2026-05-13
Days on market

Asking rent: $1,200

View on Zillow →

Widened to any bedroom count in ZIP. 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
11430 SW 101 TERSINGLE FAMILY : 1 UNIT433,270$1,100,0002026-06-10
9220 SW 100 AVENUE RDSINGLE FAMILY : 1 UNIT321,834$880,0002026-06-09
10204 SW 96 CTSINGLE FAMILY : 1 UNIT433,633$1,640,0002026-06-08
10500 SW 93 STSINGLE FAMILY : 1 UNIT322,053$203,7002026-06-02
11301 SW 108 AVESINGLE FAMILY : 1 UNIT321,300$700,0002026-05-29
11905 SW 107 AVESINGLE FAMILY : 1 UNIT422,132$900,0002026-05-29
9511 SW 93 STSINGLE FAMILY : 1 UNIT422,455$1,625,0002026-05-26
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
10020 SW 102 AVENUE RDSINGLE FAMILY : 1 UNIT422,303$940,0002026-04-29
10364 SW 117 STSINGLE FAMILY : 1 UNIT421,972$975,0002026-04-24
10900 SW 90 AVESINGLE FAMILY : 1 UNIT322,836$1,750,0002026-04-22
9600 SW 103 STSINGLE FAMILY : 1 UNIT533,529$2,050,0002026-04-16
9400 SW 100 AVENUE RDSINGLE FAMILY : 1 UNIT422,195$845,0002026-04-16
9940 SW 97 CTSINGLE FAMILY : 1 UNIT421,777$860,0002026-04-14
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
9260 SW 101 STSINGLE FAMILY : 1 UNIT535,116$2,350,0002026-04-02
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
8800 SW 118 STSINGLE FAMILY : 1 UNIT535,297$1,394,4002026-03-27
9066 SW 112 CTSINGLE FAMILY : CLUSTER HOME431,952$705,0002026-03-26
11835 SW 91 AVESINGLE FAMILY : 1 UNIT533,126$2,350,0002026-03-24
9361 SW 102 CTSINGLE FAMILY : 1 UNIT322,024$1,050,0002026-03-23
10485 SW 109 STSINGLE FAMILY : 1 UNIT422,406$975,0002026-03-16
10575 SW 102 STSINGLE FAMILY : 1 UNIT321,592$535,2002026-03-10
8820 SW 104 STSINGLE FAMILY : 1 UNIT776,000$2,600,0002026-03-05
11550 SW 108 CTSINGLE FAMILY : 1 UNIT321,662$715,0002026-03-05
10901 SW 116 AVESINGLE FAMILY : CLUSTER HOME432,112$905,0002026-02-25
9925 SW 97 PLSINGLE FAMILY : 1 UNIT321,603$753,0002026-02-24
9339 SW 98 PLSINGLE FAMILY : 1 UNIT422,058$1,055,0002026-02-23
10361 SW 119 STSINGLE FAMILY : 1 UNIT421,972$1,120,0002026-02-23
11000 SW 116 STSINGLE FAMILY : 1 UNIT311,352$797,0002026-02-20
11624 SW 93 STSINGLE FAMILY : 1 UNIT422,090$1,075,0002026-02-17
9660 SW 105 AVESINGLE FAMILY : 1 UNIT421,785$861,0002026-02-12
11471 SW 105 TERSINGLE FAMILY : CLUSTER HOME432,114$940,0002026-02-12
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
9450 SW 98 STSINGLE FAMILY : 1 UNIT444,338$4,100,0002026-01-30
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
11461 SW 93 STSINGLE FAMILY : ADDITIONAL LIVING QUARTERS1196,824$2,200,0002026-01-23
10440 SW 110 STSINGLE FAMILY : 1 UNIT422,042$945,0002026-01-12
9470 SW 97 STSINGLE FAMILY : 1 UNIT534,947$2,200,0002026-01-09
11220 SW 99 CTSINGLE FAMILY : 1 UNIT421,973$1,050,0002025-12-30
10001 SW 99 AVESINGLE FAMILY : 1 UNIT421,982$794,3002025-12-23

Widened to city-wide. 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
3800 SW 102nd Ave Apt 206condos01455$208,000
11 NE 6th St Unit 808condos01345$429,000
11 NE 6th St Unit 2102condos01350$399,000
11 NE 6th St Unit 1106condos01321$429,000
11 NE 6th St Unit 1606condos01350$389,000
175 NE 10 St Unit 44Icondos01476$645,000
11 NE 6th St Unit 1208condos01$450,000
11 NE 6th St Unit 1802condos01350$399,000

10-year hold projection

IRR2.9%
Equity multiple1.47x
Total return (10yr)$91,389
YearProperty valueNOICash flowLoan balanceEquity
1$381,100$14,030-$10,176$292,791$88,309
2$392,533$14,508-$9,733$289,361$103,172
3$404,309$15,002-$9,275$285,696$118,613
4$416,438$15,511-$8,801$281,779$134,660
5$428,931$16,038-$8,312$277,593$151,339
6$441,799$16,582-$7,806$273,119$168,680
7$455,053$17,144-$7,284$268,339$186,715
8$468,705$17,724-$6,743$263,230$205,475
9$482,766$18,323-$6,185$257,770$224,996
10$497,249$18,942-$5,608$251,936$245,314
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 scaled by flood and wind risk where those are known and a flat percentage otherwise — never a real quote. Verify all of them, along with association restrictions and permit status, before committing capital. Rent estimates come from real comps or Zillow’s ZIP index, not appraisals.