3431-3433 SW 4th St
Miami, FL 33135 · multi_family · Pending — under contract · 119 days on market
Asking price$1,249,000
8 beds 6 baths 3,429 sqft
Listed by Milady Cernuda · Xcellence Realty
Typemulti_family
Built1937
Price / sqft$364
Est. value (own analysis)$1,349,586
Rent estimate (building total, own analysis)$10,434/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeAir2/10MinorFlood1/10minimal$Wildfire1/10Minimal
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Statusfor_sale
Listed date2026-05-06
Removed date—
MLSMiamiMLS #A12007394
Coordinates25.76860, -80.25189
Address3431-3433 SW 4th St
CityMiami
StateFL
Zip33135
Listing ID6944326405
Sourceus-real-estate-listings, cached 2026-08-30
ZIP market snapshot (33135)
Typical home value (ZHVI)$531,790
Typical rent (ZORI)$2,051/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 | $1,249,000 |
| Down payment (20.0%) | $249,800 |
| Loan amount | $999,200 |
| Closing costs (5.0%) | $62,450 |
| Total cash to close | $312,250 |
| Income | |
| Rent (estimate) | $10,434$125,208 |
| Vacancy loss (8.0%) | |
| Effective gross income | $9,599$115,192 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,978$23,731 |
| Insurance (est. scaled by flood & wind risk) | $1,249$14,988 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $522$6,260 |
| Total operating expenses | $3,748$44,979 |
| 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) | $522$6,260 |
| 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.
No active rental listings cached yet for this bedroom count.
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 |
|---|---|---|---|---|---|---|
| 1487 SW 4th St | multi_family | 8 | 8 | 4,480 | $2,000,000 | 2026-07-21 |
| 2101 SW 6th St | multi_family | 8 | 4 | 3,250 | $975,000 | 2026-05-13 |
| 1721 SW 11th Ter | multi_family | 8 | 4 | 4,461 | $1,520,000 | 2026-04-02 |
| 1642 SW 7th St | multi_family | 8 | 8 | 3,180 | $5,550,000 | 2026-01-23 |
| 415 SW 32nd Ave | multi_family | 8 | 8 | 5,682 | $2,682,400 | 2025-12-01 |
| 417 SW 32nd Ave Apt 4 | multi_family | 8 | 8 | 5,682 | $2,682,400 | 2025-12-01 |
| 2737 SW 2nd St | multi_family | 8 | 8 | 5,188 | $1,600,000 | 2025-12-01 |
| 1475 SW 7th St | multi_family | 8 | 4 | 3,638 | $1,150,000 | 2025-11-26 |
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 |
|---|---|---|---|---|---|---|
| 2054 SW 5th St | multi_family | 8 | 5 | 3,048 | $895,000 | — |
| 1345 SW 7th St | multi_family | 8 | 4 | 3,592 | $1,995,000 | — |
| 450 Beacom Blvd | multi_family | 8 | 6 | 2,475 | $1,649,000 | — |
10-year hold projection
IRR7.9%
Equity multiple2.25x
Total return (10yr)$554,244
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $1,286,470 | $70,212 | -$13,102 | $988,366 | $298,104 |
| 2 | $1,325,064 | $72,543 | -$10,927 | $976,789 | $348,275 |
| 3 | $1,364,816 | $74,950 | -$8,681 | $964,416 | $400,400 |
| 4 | $1,405,761 | $77,435 | -$6,360 | $951,194 | $454,566 |
| 5 | $1,447,933 | $80,000 | -$3,964 | $937,064 | $510,869 |
| 6 | $1,491,371 | $82,649 | -$1,488 | $921,963 | $569,408 |
| 7 | $1,536,112 | $85,382 | $1,069 | $905,826 | $630,286 |
| 8 | $1,582,196 | $88,205 | $3,710 | $888,580 | $693,616 |
| 9 | $1,629,662 | $91,118 | $6,437 | $870,150 | $759,511 |
| 10 | $1,678,552 | $94,126 | $9,254 | $850,455 | $828,097 |
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.