18925 SW 357 St

Miami, FL 33034 · single_family · For Sale · 6 days on market
Asking price$365,740
4 beds 3 baths 1,552 sqft
View on Realtor.com →
Listed by Pineland Crest
Typesingle_family
Built
Price / sqft$236
Est. value (own analysis)$420,157
Rent estimate (own analysis)$2,940/mo
HOANone
Show every detail
Statusfor_sale
Listed date2026-08-28
Removed date
MLSLennar #25136600106
Coordinates
Address18925 SW 357 St
CityMiami
StateFL
Zip33034
Listing ID9372045517
Sourceus-real-estate-listings, cached 2026-08-29

ZIP market snapshot (33034)

Typical home value (ZHVI)$382,671
Typical rent (ZORI)$2,436/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$365,740
Down payment (20.0%)$73,148
Loan amount$292,592
Closing costs (5.0%)$18,287
Total cash to close$91,435
Rent (comp-derived)$2,940$35,280
Vacancy loss (8.0%)

Vacancy Loss

Gross Scheduled Rent × Vacancy Rate

Gross scheduled rent (annual) comp$35,280
Vacancy rate (assumption) assumption8.0%

$35,280 × 8.0% = $2,822

Effective gross income$2,705$32,458
Property tax (placeholder 1.9% of price)$579$6,949
Insurance (placeholder 0.8% of price)$244$2,926
HOA dues$0$0
Management (0.0% of EGI)$0$0
Maintenance (5.0% of GSR)$147$1,764
Total operating expenses$970$11,639
Net operating income (NOI)

Net Operating Income (NOI)

Effective Gross Income − Total Operating Expenses

Effective gross income derived$32,458
Total operating expenses derived$11,639

$32,458 − $11,639 = $20,819

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$292,592
Interest rate (avg 30yr rate) comp6.7%
Term (assumption) assumption30 years

$292,592 amortized at 6.7% over 30 years = $1,880/mo

CapEx reserve (5.0% of GSR)$147$1,764
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$20,819
Annual debt service derived$22,563
Annual CapEx reserve assumption$1,764
Annual PMI assumption$0

($20,819 − $22,563 − $1,764 − $0) ÷ 12 = -$292

Cap rate

Cap Rate

NOI ÷ Purchase Price

NOI derived$20,819
Purchase price data$365,740

$20,819 ÷ $365,740 = 5.7%

Cash-on-cash

Cash-on-Cash Return

Annual Cash Flow ÷ Total Cash Invested

Annual cash flow derived-$3,509
Total cash to close derived$91,435

-$3,509 ÷ $91,435 = -3.8%

DSCR

Debt Service Coverage Ratio (DSCR)

NOI ÷ Annual Debt Service

NOI derived$20,819
Annual debt service derived$22,563

$20,819 ÷ $22,563 = 0.92

Rent-to-price (1% rule)

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

(Gross Scheduled Rent ÷ 12) ÷ Purchase Price

Gross scheduled rent (annual) comp$35,280
Purchase price data$365,740

($35,280 ÷ 12) ÷ $365,740 = 0.8%

Gross rent multiplier

Gross Rent Multiplier (GRM)

Purchase Price ÷ Gross Scheduled Rent

Purchase price data$365,740
Gross scheduled rent (annual) comp$35,280

$365,740 ÷ $35,280 = 10.4

Operating expense ratio

Operating Expense Ratio

Total Operating Expenses ÷ Effective Gross Income

Total operating expenses derived$11,639
Effective gross income derived$32,458

$11,639 ÷ $32,458 = 35.9%

Break-even occupancy

Break-Even Occupancy

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

Total operating expenses derived$11,639
Annual debt service derived$22,563
Annual PMI assumption$0
Gross scheduled rent (annual) comp$35,280

($11,639 + $22,563 + $0) ÷ $35,280 = 96.9%

Comparables

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

AddressTypeBedsBathsSqftAsking rentListedDays on market
single_family431,902$3,4992026-08-20
single_family421,790$3,3952026-05-20
single_family421,790$2,7002026-07-10
single_family421,038$2,8742026-07-25
single_family431,810$3,100
single_family441,578$2,940
single_family421,240$2,9002026-08-29

Florida City, 33034 · rent comp

Bedrooms / bathrooms4 bd / 3 ba
Square footage1,902
Listed2026-08-20
Days on market

Asking rent: $3,499

View on Zillow →

756 NW 5th St Unit 0

Florida City, 33034 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage1,790
Listed2026-05-20
Days on market

Asking rent: $3,395

View on Zillow →

764 NW 5th St Unit 764

Florida City, 33034 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage1,790
Listed2026-07-10
Days on market

Asking rent: $2,700

View on Zillow →

1635 NW 1st Ave

Florida City, 33034 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage1,038
Listed2026-07-25
Days on market

Asking rent: $2,874

View on Zillow →

1314 NW 2nd Ln

Florida City, 33034 · rent comp

Bedrooms / bathrooms4 bd / 3 ba
Square footage1,810
Listed
Days on market

Asking rent: $3,100

View on Zillow →

152 NW 10th Ter # 152D

Florida City, 33034 · rent comp

Bedrooms / bathrooms4 bd / 4 ba
Square footage1,578
Listed
Days on market

Asking rent: $2,940

View on Zillow →

828 SW 3rd St Unit 828

Florida City, 33034 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage1,240
Listed2026-08-29
Days on market

Asking rent: $2,900

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
736 NW 8thsingle_family421,462$449,0002026-08-28
19659 SW 337th Tersingle_family431,827$558,0002026-08-27
496 SW 9th Avesingle_family421,514$475,0002026-08-24
630 NE 1st Stsingle_family432,085$567,8002026-08-20
735 NW 8th Ctsingle_family421,208$357,5002026-08-19
111 NE 6th Plsingle_family432,085$564,0002026-07-30
542 NE 6th Plsingle_family432,126$460,0002026-07-27
107 NE 6th Plsingle_family432,046$578,0002026-07-24
816 NW 8th Stsingle_family421,444$510,0002026-07-22
1330 NW 7th Ctsingle_family421,395$399,9002026-07-10
409 SW 8th Avesingle_family421,675$465,0002026-07-01
618 NE 1st Tersingle_family432,046$570,0002026-06-30
19403 SW 337th Tersingle_family432,439$577,6992026-06-26
624 NE 5th Stsingle_family432,126$475,9002026-06-26
651 NE 1st Stsingle_family432,046$573,9902026-06-26
19624 SW 338th Tersingle_family432,439$559,0002026-06-08
19493 SW 339th Tersingle_family432,223$580,0002026-06-02
108 NE 6th Plsingle_family432,046$580,0002026-05-22
1320 NW 7th Ctsingle_family421,395$395,0002026-05-15
715 NW 9th Avesingle_family421,472$390,0002026-05-04
19428 SW 339th Tersingle_family432,183$525,0002026-04-28
19570 SW 339th Tersingle_family432,439$530,0002026-04-28
775 NW 3rd Tersingle_family421,256$454,0002026-04-23
555 NE 6th Ctsingle_family432,126$460,0002026-04-20
639 NE 1st Tersingle_family432,085$554,0002026-03-31
746 NW 3rd Stsingle_family421,501$432,5002026-03-30
19485 SW 339th Tersingle_family422,062$529,7002026-03-24
416 NW 9th Plsingle_family422,142$450,0002026-03-23
19536 SW 338th Tersingle_family431,827$535,0002026-03-20
506 NW 8th Avesingle_family421,394$445,0002026-03-09
19547 SW 340th Stsingle_family432,223$538,0002026-03-04
19523 SW 339th Tersingle_family432,183$529,9462026-02-28
19472 SW 339th Tersingle_family432,223$505,3002026-02-20
633 NE 1st Tersingle_family432,046$559,0002026-02-18
1422 NW 8th Avesingle_family421,254$375,0002026-01-07
20275 SW 396th Stsingle_family432,651$680,0002026-01-02
642 NE 1st Stsingle_family442,790$646,9902025-12-16
19469 SW 339th Tersingle_family431,828$490,0002025-12-16
37189 SW 212th Avesingle_family433,449$899,9002025-12-15
19480 SW 339th Tersingle_family431,828$499,0002025-12-11
19437 SW 339th Tersingle_family431,828$504,8002025-12-11
19643 SW 340th Stsingle_family432,223$521,5002025-12-11
19522 SW 339th Tersingle_family431,828$497,1002025-12-08
19464 SW 339th Tersingle_family422,062$537,0002025-12-05
19439 SW 340th Stsingle_family432,223$515,0002025-12-04
19463 SW 340th Stsingle_family431,827$490,0002025-11-28
19627 SW 339th Tersingle_family431,827$495,0002025-11-28
1051 NW 5th Ctsingle_family411,196$460,0002025-11-25
19495 SW 340th Stsingle_family431,828$570,6002025-11-20
19415 SW 340th Stsingle_family432,223$507,3002025-11-20

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
E Palm Dr & US 1townhomes431,557$999,999
19658 SW 337th Tersingle_family431,827$556,990
SW 336 St & SW 194 Avesingle_family431,827$556,990
34870 SW 191st Courtsingle_family432,085$575,990
35605 SW 180th Avesingle_family421,813$458,990
SW 336 St & SW 194 Avesingle_family422,183$539,990
19424 SW 336th Tersingle_family431,827$556,990
E Palm Dr & US 1townhomes431,610$999,999

10-year hold projection

IRR8.2%
Equity multiple2.29x
Total return (10yr)$165,638
YearProperty valueNOICash flowLoan balanceEquity
1$376,712$20,819-$3,509$289,420$87,292
2$388,014$21,501-$2,870$286,030$101,984
3$399,654$22,206-$2,210$282,407$117,247
4$411,644$22,933-$1,529$278,535$133,109
5$423,993$23,684-$826$274,397$149,596
6$436,713$24,459-$100$269,976$166,737
7$449,814$25,258$649$265,250$184,564
8$463,308$26,084$1,424$260,200$203,108
9$477,208$26,935$2,223$254,804$222,404
10$491,524$27,814$3,048$249,037$242,487
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.