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
$385,000
Down payment (20.0%)
$77,000
Loan amount
$308,000
Closing costs (5.0%)
$19,250
Total cash to close
$96,250
Income
Rent (comp-derived)
$2,879$34,548
Vacancy loss (8.0%)
Effective gross income
$2,649$31,784
Operating expenses
Property tax (placeholder 1.9% of price)
$610$7,315
Insurance (placeholder 0.8% of price)
$257$3,080
HOA dues
$734$8,808
Management (0.0% of EGI)
$0$0
Maintenance (5.0% of GSR)
$144$1,727
Total operating expenses
$1,744$20,930
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)
$144$1,727
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
apartment
2
3
1,123
$2,650
2026-08-18
—
apartment
2
2
1,238
$3,026
—
—
apartment
2
2
889
$2,919
—
—
apartment
2
3
1,143
$2,869
—
—
apartment
2
2
1,090
$2,706
—
—
apartment
2
2
1,085
$2,701
—
—
apartment
2
2
1,090
$2,631
—
—
apartment
2
2
1,090
$2,706
—
—
apartment
2
2
1,185
$2,881
—
—
apartment
2
2
1,185
$2,951
—
—
apartment
2
2
1,083
$2,795
—
—
apartment
2
2
1,083
$2,895
—
—
apartment
2
2
1,083
$2,895
—
—
apartment
2
2
1,010
$2,500
2025-08-31
—
condos
2
3
1,170
$2,500
2026-07-16
—
apartment
2
2
960
$2,400
2026-05-22
—
apartment
2
2
1,105
$3,290
2026-07-21
—
condos
2
2
994
$2,600
2026-07-25
—
condos
2
2
960
$2,750
2026-08-06
—
condos
2
2
1,128
$2,650
2026-08-21
—
condos
2
2
960
$2,650
2026-07-18
—
condos
2
2
1,115
$2,590
2026-07-29
—
condos
2
3
1,050
$2,700
2026-07-30
—
condos
2
3
1,115
$2,650
2026-07-09
—
condos
2
3
1,115
$2,375
2026-08-19
—
condos
2
3
1,150
$2,550
2026-07-09
—
condos
2
2
870
$2,350
2026-08-16
—
condos
2
2
1,105
$2,550
2026-07-15
—
condos
2
1
818
$2,650
2026-06-02
—
condos
2
3
1,088
$2,700
2026-05-27
—
condos
2
2
1,135
$3,000
2026-03-10
—
condos
2
2
1,128
$2,690
2026-07-27
—
condos
2
2
1,115
$2,690
2026-08-13
—
apartment
2
2
1,048
$2,700
2026-08-03
—
condos
2
2
910
$2,550
2026-08-17
—
condos
2
3
1,121
$2,600
2026-07-15
—
condos
2
2
870
$2,500
2026-07-23
—
condos
2
2
1,130
$3,050
2026-07-31
—
condos
2
2
1,105
$2,800
2026-01-30
—
apartment
2
3
1,260
$2,650
2026-06-25
—
condos
2
2
1,130
$2,600
2026-06-10
—
condos
2
2
1,135
$3,000
2026-07-19
—
condos
2
3
1,205
$2,700
2026-08-16
—
condos
2
2
910
$2,500
2026-08-20
—
condos
2
3
1,121
$2,650
2026-04-21
—
condos
2
3
1,072
$2,950
2026-07-08
—
condos
2
2
1,050
$2,750
2026-07-11
—
condos
2
3
1,088
$2,550
2026-02-04
—
condos
2
3
1,260
$2,700
2026-08-07
—
condos
2
2
910
$2,600
2026-06-30
—
condos
2
2
910
$2,400
2026-06-26
—
condos
2
2
1,130
$2,750
2026-05-01
—
condos
2
3
1,050
$2,900
2026-07-02
—
condos
2
2
910
$2,550
2026-07-22
—
apartment
2
3
1,205
$2,700
2026-06-11
—
apartment
2
2
1,105
$2,700
2026-08-19
—
condos
2
2
1,066
$2,900
2026-08-19
—
condos
2
2
827
$2,750
2026-08-20
—
condos
2
2
1,130
$3,100
2026-07-30
—
condos
2
2
1,115
$3,200
2026-07-06
—
condos
2
3
1,072
$3,200
2026-07-10
—
condos
2
2
1,183
$2,800
2026-06-22
—
apartment
2
2
1,015
$2,700
2026-07-23
—
apartment
2
2
1,244
$3,100
2026-06-25
—
apartment
2
2
1,130
$3,250
2026-07-20
—
condos
2
3
1,121
$2,550
2026-07-29
—
condos
2
2
1,130
$3,150
2026-08-05
—
condos
2
3
1,072
$2,800
2026-03-11
—
condos
2
2
1,244
$3,100
2026-06-09
—
condos
2
3
1,072
$3,150
2026-07-23
—
condos
2
2
1,066
$3,100
2026-08-17
—
condos
2
2
1,135
$3,300
2026-08-18
—
condos
2
2
1,130
$3,900
2025-07-09
—
condos
2
3
1,121
$2,700
2026-07-09
—
condos
2
2
1,020
$3,200
2026-08-11
—
condos
2
2
964
$3,150
2026-07-13
—
condos
2
3
1,050
$2,800
2026-07-17
—
condos
2
2
1,048
$2,690
—
—
apartment
2
2
1,062
$2,967
—
—
apartment
2
2
1,062
$2,997
—
—
apartment
2
2
1,062
$2,967
—
—
apartment
2
2
1,164
$2,505
—
—
apartment
2
2
1,238
$3,128
—
—
apartment
2
2
1,248
$3,189
—
—
apartment
2
2
1,083
$3,070
—
—
apartment
2
2
1,128
$2,750
—
—
apartment
2
2
1,099
$2,690
—
—
apartment
2
2
1,099
$2,840
—
—
condos
2
2
1,244
$3,100
—
—
apartment
2
2
1,164
$2,606
—
—
apartment
2
2
1,148
$3,408
—
—
apartment
2
2
1,100
$2,914
—
—
apartment
2
2
895
$2,930
—
—
apartment
2
2
889
$2,929
—
—
apartment
2
2
1,062
$2,967
—
—
apartment
2
2
889
$2,844
—
—
apartment
2
3
1,143
$2,879
—
—
apartment
2
2
1,083
$2,822
—
—
apartment
2
2
895
$2,869
—
—
apartment
2
2
1,248
$2,939
—
—
apartment
2
2
889
$2,929
—
—
apartment
2
2
1,133
$3,004
—
—
apartment
2
2
1,118
$3,079
—
—
apartment
2
2
980
$3,139
—
—
apartment
2
2
889
$2,898
—
—
apartment
2
2
895
$2,945
—
—
apartment
2
2
1,133
$3,005
—
—
apartment
2
2
1,216
$3,213
—
—
apartment
2
2
1,248
$3,309
—
—
apartment
2
2
1,248
$3,309
—
—
apartment
2
2
1,150
$3,458
—
—
apartment
2
2
889
$2,813
—
—
apartment
2
2
889
$2,919
—
—
apartment
2
2
889
$2,800
—
—
apartment
2
2
889
$2,850
—
—
apartment
2
2
895
$3,046
—
—
apartment
2
2
1,130
$3,150
—
—
apartment
2
2
980
$3,099
—
—
apartment
2
2
1,277
$2,947
—
—
apartment
2
2
1,202
$2,949
—
—
apartment
2
2
1,202
$2,979
—
—
apartment
2
2
1,090
$2,816
—
—
apartment
2
2
1,200
$2,856
—
—
apartment
2
2
1,043
$3,009
—
—
apartment
2
2
1,200
$2,876
—
—
apartment
2
1
1,003
$2,511
—
—
apartment
2
1
1,003
$2,611
—
—
apartment
2
1
1,003
$2,531
—
—
apartment
2
1
1,003
$2,606
—
—
apartment
2
1
1,003
$2,606
—
—
apartment
2
2
1,164
$2,571
—
—
apartment
2
2
1,099
$2,610
—
—
apartment
2
2
1,099
$2,690
—
—
apartment
2
2
1,164
$2,595
—
—
apartment
2
2
1,099
$2,710
—
—
apartment
2
2
1,164
$2,598
—
—
apartment
2
1
1,003
$2,771
—
—
apartment
2
1
1,003
$2,815
—
—
apartment
2
2
1,164
$2,476
—
—
apartment
2
2
1,090
$2,741
—
—
apartment
2
2
1,090
$2,746
—
—
apartment
2
2
1,133
$2,983
—
—
apartment
2
2
1,133
$2,983
—
—
apartment
2
2
1,085
$2,751
—
—
apartment
2
2
1,090
$2,821
—
—
apartment
2
2
1,277
$2,902
—
—
apartment
2
2
1,090
$2,781
—
—
apartment
2
2
1,083
$2,797
—
—
apartment
2
3
1,143
$2,879
—
—
apartment
2
2
1,277
$2,902
—
—
apartment
2
2
1,085
$2,771
—
—
apartment
2
2
1,090
$2,801
—
—
apartment
2
2
1,238
$2,934
—
—
apartment
2
2
1,165
$2,831
—
—
apartment
2
2
1,185
$2,921
—
—
apartment
2
2
1,090
$2,756
—
—
apartment
2
2
1,240
$3,015
—
—
apartment
2
2
1,085
$2,801
—
—
apartment
2
2
1,100
$3,004
—
—
apartment
2
2
1,090
$2,776
—
—
apartment
2
2
1,277
$2,957
—
—
apartment
2
2
1,248
$2,909
—
—
apartment
2
2
1,277
$2,922
—
—
apartment
2
2
1,043
$2,729
—
—
apartment
2
2
1,150
$3,232
—
—
apartment
2
2
1,150
$3,267
—
—
apartment
2
2
1,248
$3,189
—
—
apartment
2
2
1,238
$3,128
—
—
apartment
2
2
1,133
$3,024
—
—
apartment
2
2
980
$3,088
—
—
apartment
2
2
1,030
$3,113
—
—
apartment
2
2
1,100
$3,034
—
—
apartment
2
2
980
$3,093
—
—
apartment
2
2
1,150
$3,272
—
—
apartment
2
2
1,238
$3,186
—
—
apartment
2
2
1,248
$3,279
—
—
apartment
2
2
980
$3,189
—
—
apartment
2
2
1,083
$3,233
—
—
apartment
2
3
1,143
$3,189
—
—
apartment
2
2
1,238
$3,153
—
—
apartment
2
2
1,238
$3,153
—
—
apartment
2
2
1,150
$3,222
—
—
apartment
2
2
1,285
$3,568
—
—
apartment
2
2
1,150
$3,302
—
—
apartment
2
2
1,248
$3,279
—
—
apartment
2
2
1,150
$3,292
—
—
apartment
2
2
1,255
$3,488
—
—
apartment
2
2
1,096
$3,421
—
—
apartment
2
2
1,233
$3,610
—
—
apartment
2
2
1,144
$3,202
—
—
condos
2
2
1,006
$2,750
2026-08-14
—
condos
2
2
960
$2,875
2026-08-31
—
condos
2
2
1,135
$3,000
2026-08-31
—
condos
2
2
1,049
$3,100
2026-09-01
—
condos
2
3
1,205
$2,650
2026-09-01
—
condos
2
2
994
$2,700
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.