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
$790,000
Down payment (20.0%)
$158,000
Loan amount
$632,000
Closing costs (5.0%)
$39,500
Total cash to close
$197,500
Income
Rent (comp-derived)
$3,400$40,800
Vacancy loss (8.0%)
Effective gross income
$3,128$37,536
Operating expenses
Property tax (placeholder 1.9% of price)
$1,251$15,010
Insurance (placeholder 0.8% of price)
$527$6,320
HOA dues
$806$9,672
Management (0.0% of EGI)
$0$0
Maintenance (5.0% of GSR)
$170$2,040
Total operating expenses
$2,754$33,042
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)
$170$2,040
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
condos
1
2
835
$2,700
2026-08-21
—
condos
1
2
868
$2,650
2026-08-21
—
condos
1
1
500
$1,975
2026-08-21
—
condos
1
1
762
$2,350
2026-08-21
—
condos
1
2
610
$3,600
2026-08-21
—
apartment
1
2
835
$2,700
2026-08-20
—
condos
1
2
854
$4,000
2026-08-20
—
condos
1
1
771
$3,400
2026-08-20
—
condos
1
1
574
$2,500
2026-08-20
—
apartment
1
1
730
$2,850
2026-08-19
—
condos
1
1
854
$4,200
2026-08-19
—
apartment
1
1
715
$2,848
2024-04-12
—
condos
1
1
598
$5,400
2026-08-18
—
apartment
1
2
757
$2,650
2026-08-18
—
apartment
1
1
870
$3,230
2024-12-05
—
apartment
1
1
845
$3,447
2026-08-17
—
apartment
1
1
728
$3,157
2024-06-11
—
condos
1
1
598
$3,200
2026-08-15
—
condos
1
1
560
$3,300
2026-08-15
—
apartment
1
1
700
$1,600
2026-08-14
—
condos
1
1
588
$3,350
2026-08-14
—
apartment
1
1
710
$3,357
2024-04-12
—
condos
1
1
679
$2,500
2026-08-13
—
condos
1
2
—
$7,000
2026-08-12
—
condos
1
1
722
$2,800
2026-08-12
—
condos
1
1
733
$2,895
2026-08-12
—
condos
1
1
701
$3,495
2026-08-12
—
condos
1
1
707
$2,850
2026-08-12
—
condos
1
2
662
$3,700
2026-08-12
—
condos
1
1
740
$4,000
2026-08-11
—
apartment
1
2
660
$2,130
2026-08-11
—
condos
1
2
746
$3,500
2026-08-11
—
condos
1
2
1,147
$6,800
2026-08-10
—
condos
1
2
621
$3,200
2026-08-10
—
condos
1
2
898
$5,500
2026-08-10
—
apartment
1
1
9,182
$1,700
2026-08-10
—
condos
1
1
593
$3,500
2026-08-10
—
condos
1
1
707
$2,950
2026-08-09
—
condos
1
1
790
$2,450
2026-08-08
—
condos
1
1
689
$4,250
2026-08-07
—
condos
1
1
692
$2,700
2026-08-07
—
condos
1
2
973
$4,200
2026-08-07
—
condos
1
1
681
$3,000
2026-08-06
—
condos
1
1
736
$3,600
2026-08-06
—
condos
1
2
790
$4,450
2026-08-06
—
condos
1
1
875
$2,300
2026-08-06
—
condos
1
1
709
$2,295
2026-08-06
—
condos
1
2
768
$2,500
2026-08-06
—
apartment
1
1
600
$1,995
2025-02-25
—
condos
1
1
663
$2,549
2026-07-27
—
condos
1
1
673
$4,500
2026-07-27
—
apartment
1
1
—
$3,500
2026-07-16
—
condos
1
1
659
$2,825
2026-07-26
—
condos
1
1
598
$3,800
2026-06-18
—
condos
1
1
773
$2,500
2026-07-24
—
condos
1
2
725
$3,850
2026-07-24
—
condos
1
1
612
$3,000
2026-07-24
—
condos
1
2
622
$2,990
2026-07-23
—
condos
1
1
598
$4,100
2026-07-23
—
condos
1
2
610
$3,200
2026-07-22
—
condos
1
1
794
$3,100
2026-07-22
—
condos
1
1
680
$4,300
2026-07-22
—
condos
1
1
726
$2,700
2026-07-21
—
condos
1
1
598
$4,100
2026-07-21
—
apartment
1
1
500
$2,150
2026-07-21
—
condos
1
1
680
$5,700
2026-07-21
—
condos
1
2
966
$7,000
2026-07-21
—
condos
1
1
622
$3,300
2026-07-21
—
condos
1
2
735
$3,600
2026-07-20
—
condos
1
2
990
$3,000
2026-07-20
—
apartment
1
1
755
$2,700
2026-07-20
—
condos
1
1
740
$3,500
2026-07-18
—
condos
1
1
692
$2,750
2026-07-18
—
condos
1
2
912
$4,150
2026-07-17
—
condos
1
2
735
$3,500
2026-07-17
—
condos
1
2
—
$7,500
2026-07-17
—
condos
1
2
861
$3,950
2026-07-17
—
condos
1
2
735
$3,500
2026-07-16
—
condos
1
2
757
$2,750
2026-07-16
—
apartment
1
1
600
$1,995
2026-04-29
—
condos
1
2
736
$3,500
2026-07-16
—
condos
1
2
966
$7,500
2026-07-16
—
condos
1
1
776
$4,500
2026-07-15
—
condos
1
2
767
$2,900
2026-07-15
—
condos
1
1
—
$5,000
2026-07-15
—
condos
1
2
861
$4,000
2026-07-14
—
condos
1
3
940
$5,400
2026-07-13
—
condos
1
1
673
$3,500
2026-07-13
—
condos
1
2
768
$2,500
2026-07-13
—
condos
1
1
560
$2,600
2026-07-11
—
condos
1
1
732
$3,600
2026-07-10
—
condos
1
1
700
$3,900
2026-07-09
—
apartment
1
1
563
$1,900
2026-07-09
—
condos
1
2
—
$4,300
2026-07-09
—
condos
1
1
732
$3,350
2026-07-09
—
condos
1
2
—
$4,300
2026-07-09
—
condos
1
2
790
$4,300
2026-07-08
—
condos
1
2
966
$6,700
2026-07-03
—
condos
1
1
786
$3,950
2026-07-03
—
condos
1
2
786
$6,500
2026-07-03
—
condos
1
2
768
$2,250
2026-07-02
—
condos
1
1
713
$2,650
2026-07-02
—
condos
1
2
709
$3,800
2026-07-02
—
condos
1
2
622
$3,000
2026-07-01
—
condos
1
1
598
$4,950
2026-07-01
—
condos
1
1
—
$2,600
2026-07-01
—
condos
1
2
786
$5,800
2026-06-30
—
condos
1
2
709
$2,125
2026-06-30
—
apartment
1
2
1,036
$3,922
2026-06-30
—
condos
1
1
598
$4,100
2026-06-30
—
condos
1
1
—
$4,000
2026-06-30
—
apartment
1
1
700
$1,575
2026-06-29
—
condos
1
1
673
$3,500
2026-06-29
—
condos
1
2
621
$4,000
2026-06-28
—
condos
1
2
786
$4,250
2026-06-27
—
condos
1
2
965
$3,000
2026-06-26
—
condos
1
1
—
$4,000
2026-06-25
—
condos
1
1
—
$4,150
2026-06-24
—
condos
1
2
725
$4,500
2026-06-23
—
condos
1
1
854
$3,700
2026-06-23
—
condos
1
2
—
$6,200
2026-06-23
—
condos
1
1
—
$4,800
2026-06-23
—
condos
1
2
610
$5,500
2026-06-22
—
condos
1
1
678
$2,600
2026-06-22
—
condos
1
1
779
$2,400
2026-06-22
—
apartment
1
1
550
$1,750
2026-06-22
—
condos
1
1
598
$4,900
2026-06-19
—
condos
1
2
828
$3,300
2026-06-18
—
condos
1
1
612
$3,250
2026-06-18
—
condos
1
2
786
$4,900
2026-06-18
—
condos
1
2
1,174
$4,500
2026-06-17
—
condos
1
1
715
$3,550
2026-06-17
—
condos
1
1
—
$3,400
2026-08-26
—
condos
1
2
1,080
$6,200
2026-06-11
—
condos
1
2
1,096
$2,950
2026-06-10
—
condos
1
1
679
$2,475
2026-09-01
—
condos
1
2
786
$4,700
2026-05-23
—
condos
1
2
786
$3,950
2026-05-11
—
condos
1
1
598
$4,300
2026-05-20
—
condos
1
1
598
$3,950
2026-09-02
—
condos
1
2
790
$4,200
2026-06-09
—
apartment
1
2
786
$4,400
2026-06-08
—
condos
1
1
792
$2,800
2026-06-05
—
condos
1
1
822
$2,450
2026-06-04
—
condos
1
1
—
$3,750
2026-06-04
—
apartment
1
1
700
$1,895
2026-06-03
—
condos
1
2
622
$3,200
2026-06-01
—
condos
1
2
761
$3,000
2026-06-01
—
condos
1
1
700
$2,490
2026-05-29
—
condos
1
1
700
$2,699
2026-05-29
—
condos
1
2
785
$4,500
2026-05-29
—
condos
1
1
822
$2,450
2026-05-29
—
condos
1
1
779
$2,450
2026-05-29
—
condos
1
2
610
$3,000
2026-05-28
—
condos
1
2
768
$2,300
2026-05-22
—
condos
1
1
786
$4,350
2026-05-19
—
condos
1
1
—
$4,650
2026-05-19
—
condos
1
2
735
$3,500
2026-05-16
—
condos
1
2
1,147
$6,325
2026-05-15
—
condos
1
2
679
$3,400
2026-05-13
—
condos
1
2
768
$2,700
2026-05-13
—
condos
1
2
725
$3,700
2026-05-09
—
apartment
1
1
750
$1,700
2026-05-08
—
condos
1
1
—
$1,500
2026-05-05
—
condos
1
2
610
$3,290
2026-05-04
—
apartment
1
2
618
$3,195
2026-04-30
—
condos
1
2
735
$3,200
2026-04-28
—
condos
1
1
713
$4,000
2026-04-28
—
condos
1
2
1,327
$3,800
2026-04-27
—
condos
1
1
593
$3,350
2026-08-04
—
condos
1
1
700
$4,700
2026-08-04
—
condos
1
1
786
$4,700
2026-08-04
—
condos
1
2
706
$4,600
2026-08-04
—
condos
1
2
622
$3,300
2026-08-04
—
condos
1
2
—
$5,500
2026-05-25
—
condos
1
1
791
$3,590
2026-08-04
—
condos
1
1
—
$3,900
2026-08-03
—
condos
1
1
728
$3,650
2026-08-03
—
condos
1
1
762
$2,500
2026-08-03
—
condos
1
2
618
$3,500
2026-08-03
—
condos
1
2
950
$3,050
2026-08-01
—
apartment
1
1
2,300
$1,595
2026-07-31
—
condos
1
2
736
$3,000
2026-07-31
—
apartment
1
1
786
$4,500
2026-07-30
—
condos
1
1
795
$2,695
2026-07-30
—
condos
1
1
681
$3,499
2026-07-28
—
condos
1
2
618
$3,300
2026-07-27
—
condos
1
1
692
$2,700
2026-07-27
—
apartment
1
1
710
$2,100
2025-12-05
—
apartment
1
1
640
$2,275
2024-04-12
—
apartment
1
1
1,674
$1,900
2025-04-09
—
apartment
1
2
950
$2,000
2025-10-30
—
condos
1
1
679
$2,650
2026-01-16
—
condos
1
2
746
$3,400
2026-01-16
—
condos
1
1
770
$3,139
2024-04-21
—
condos
1
2
706
$3,800
2026-01-16
—
condos
1
3
725
$3,500
2026-01-16
—
condos
1
2
679
$3,900
2026-01-16
—
condos
1
1
464
$2,380
2025-04-28
—
condos
1
2
618
$3,350
2026-08-25
—
apartment
1
1
—
$3,790
2026-08-25
—
condos
1
2
746
$3,500
2026-08-23
—
apartment
1
1
—
$2,948
2024-07-10
—
apartment
1
1
4,026
$1,600
2026-01-20
—
condos
1
1
779
$2,550
2026-04-09
—
condos
1
2
944
$5,000
2026-08-23
—
condos
1
1
850
$2,499
2025-05-19
—
condos
1
1
794
$2,950
2026-02-06
—
condos
1
2
1,028
$7,700
2026-04-24
—
apartment
1
1
625
$2,000
2026-04-22
—
condos
1
1
725
$3,000
2026-03-12
—
condos
1
2
854
$2,900
2025-04-01
—
condos
1
2
662
$4,000
2026-01-07
—
apartment
1
1
—
$3,500
2026-04-13
—
condos
1
1
680
$2,750
2026-03-26
—
condos
1
2
1,147
$6,450
2026-03-11
—
condos
1
2
610
$3,600
2026-01-22
—
condos
1
2
—
$6,900
2026-04-18
—
condos
1
2
1,135
$6,500
2026-03-18
—
apartment
1
1
—
$2,750
2025-10-08
—
condos
1
1
725
$3,500
2026-03-02
—
condos
1
2
746
$3,800
2026-04-02
—
apartment
1
1
—
$3,180
2025-04-28
—
condos
1
1
707
$4,200
2023-09-10
—
condos
1
1
684
$3,750
2026-04-06
—
condos
1
1
726
$4,400
2021-11-08
—
condos
1
1
843
$3,800
2025-04-02
—
condos
1
1
771
$4,700
2021-12-17
—
condos
1
1
697
$4,500
2026-04-15
—
condos
1
1
713
$5,500
2026-02-06
—
condos
1
1
593
$4,000
2026-01-20
—
condos
1
2
621
$4,000
2023-06-09
—
condos
1
1
621
$4,500
2026-04-10
—
condos
1
1
681
$4,500
2025-12-04
—
condos
1
1
681
$4,500
2025-09-27
—
condos
1
2
725
$4,500
2025-11-17
—
condos
1
2
679
$4,500
2021-09-23
—
condos
1
2
725
$5,000
2026-02-07
—
condos
1
2
725
$5,500
2026-04-27
—
apartment
1
2
898
$4,400
—
—
apartment
1
1
744
$2,300
—
—
apartment
1
1
704
$2,411
—
—
apartment
1
1
861
$3,850
—
—
apartment
1
1
810
$3,138
—
—
condos
1
1
598
$5,400
—
—
apartment
1
1
678
$2,950
—
—
apartment
1
1
766
$3,110
—
—
apartment
1
1
731
$2,982
—
—
condos
1
1
—
$2,760
—
—
apartment
1
1
794
$3,447
—
—
apartment
1
1
900
$3,905
—
—
apartment
1
1
715
$2,787
—
—
apartment
1
1
745
$4,050
—
—
apartment
1
1
691
$2,787
—
—
apartment
1
1
700
$1,750
—
—
apartment
1
1
802
$3,200
—
—
apartment
1
1
725
$2,859
—
—
condos
1
1
—
$2,500
—
—
apartment
1
1
725
$2,918
—
—
condos
1
1
672
$2,600
—
—
condos
1
1
—
$4,200
—
—
apartment
1
1
700
$2,683
—
—
apartment
1
1
700
$2,693
—
—
apartment
1
1
710
$3,322
—
—
apartment
1
1
797
$2,500
2025-01-31
—
condos
1
1
822
$2,350
2026-08-24
—
condos
1
2
761
$3,100
2026-08-28
—
condos
1
1
500
$2,100
2026-08-26
—
condos
1
1
560
$2,550
2026-08-27
—
apartment
1
2
835
$2,800
2026-08-27
—
condos
1
2
662
$3,200
2026-06-04
—
condos
1
1
700
$2,700
2026-08-26
—
condos
1
1
713
$3,400
2026-08-26
—
condos
1
2
—
$4,700
2026-08-25
—
condos
1
2
746
$3,600
2026-01-08
—
condos
1
2
725
$5,150
2025-01-19
—
condos
1
1
598
$3,200
—
—
condos
1
2
618
$3,350
—
—
condos
1
1
713
$3,400
—
—
condos
1
1
588
$3,350
—
—
apartment
1
1
725
$2,886
—
—
apartment
1
1
766
$3,578
—
—
apartment
1
1
710
$3,247
—
—
condos
1
1
664
$3,100
—
—
apartment
1
1
737
$3,500
—
—
apartment
1
1
720
$2,996
—
—
apartment
1
1
489
$3,010
—
—
apartment
1
1
870
$2,900
—
—
apartment
1
1
870
$3,000
—
—
apartment
1
1
729
$3,091
—
—
apartment
1
1
489
$3,020
—
—
apartment
1
1
729
$3,201
—
—
apartment
1
1
873
$3,464
—
—
apartment
1
1
885
$3,544
—
—
apartment
1
1
820
$3,459
—
—
apartment
1
1
680
$3,289
—
—
apartment
1
1
820
$3,509
—
—
apartment
1
1
820
$3,639
—
—
apartment
1
1
820
$3,630
—
—
apartment
1
1
690
$3,635
—
—
condos
1
1
—
$3,500
—
—
condos
1
1
—
$3,468
—
—
condos
1
1
740
$3,500
—
—
apartment
1
1
863
$3,689
—
—
apartment
1
1
863
$3,689
—
—
apartment
1
1
610
$3,500
—
—
apartment
1
1
900
$3,805
—
—
apartment
1
1
820
$3,739
—
—
apartment
1
1
710
$3,247
—
—
condos
1
2
662
$3,700
—
—
apartment
1
1
650
$2,771
—
—
apartment
1
1
690
$3,735
—
—
apartment
1
1
571
$2,764
—
—
apartment
1
1
786
$2,921
—
—
apartment
1
1
766
$2,990
—
—
apartment
1
1
650
$2,971
—
—
apartment
1
1
789
$4,125
—
—
apartment
1
1
720
$2,996
—
—
apartment
1
1
707
$2,955
—
—
condos
1
2
610
$5,500
—
—
apartment
1
1
730
$2,945
—
—
apartment
1
1
730
$2,938
—
—
apartment
1
1
731
$2,932
—
—
condos
1
1
—
$3,900
—
—
apartment
1
2
998
$3,044
—
—
apartment
1
2
725
$3,900
—
—
apartment
1
1
810
$3,201
—
—
apartment
1
2
998
$3,259
—
—
apartment
1
1
947
$3,396
—
—
condos
1
1
598
$4,150
—
—
apartment
1
1
845
$3,520
—
—
apartment
1
1
811
$3,524
—
—
apartment
1
2
1,040
$3,144
—
—
apartment
1
1
810
$3,208
—
—
apartment
1
1
740
$3,093
—
—
apartment
1
1
707
$3,110
—
—
apartment
1
1
729
$3,091
—
—
apartment
1
1
720
$3,126
—
—
apartment
1
1
720
$3,096
—
—
apartment
1
1
731
$3,072
—
—
apartment
1
1
810
$3,192
—
—
condos
1
1
—
$4,000
—
—
apartment
1
1
720
$3,235
—
—
apartment
1
1
621
$3,505
—
—
apartment
1
1
650
$3,051
—
—
apartment
1
1
777
$3,392
—
—
apartment
1
2
768
$3,380
—
—
apartment
1
1
829
$3,382
—
—
apartment
1
1
720
$3,206
—
—
apartment
1
1
720
$3,196
—
—
apartment
1
1
720
$3,166
—
—
apartment
1
1
872
$3,293
—
—
apartment
1
1
715
$3,162
—
—
apartment
1
1
775
$3,342
—
—
apartment
1
1
786
$3,319
—
—
apartment
1
1
813
$3,494
—
—
apartment
1
1
786
$3,447
—
—
apartment
1
2
768
$3,430
—
—
apartment
1
1
737
$3,507
—
—
apartment
1
1
767
$3,374
—
—
apartment
1
1
820
$3,529
—
—
apartment
1
1
777
$3,312
—
—
apartment
1
1
725
$3,323
—
—
apartment
1
1
733
$3,267
—
—
apartment
1
1
758
$3,449
—
—
apartment
1
1
766
$3,327
—
—
apartment
1
1
723
$3,447
—
—
apartment
1
1
718
$3,271
—
—
apartment
1
1
754
$3,274
—
—
apartment
1
1
901
$3,425
—
—
apartment
1
1
740
$3,655
—
—
apartment
1
1
907
$3,565
—
—
apartment
1
1
820
$3,594
—
—
apartment
1
1
740
$3,588
—
—
apartment
1
1
820
$3,630
—
—
apartment
1
1
820
$3,604
—
—
apartment
1
1
873
$3,604
—
—
apartment
1
1
716
$3,623
—
—
apartment
1
1
740
$3,557
—
—
apartment
1
1
690
$3,605
—
—
apartment
1
1
840
$3,739
—
—
apartment
1
1
812
$3,794
—
—
apartment
1
1
840
$3,664
—
—
apartment
1
1
812
$3,739
—
—
apartment
1
1
820
$3,664
—
—
apartment
1
1
775
$3,707
—
—
apartment
1
1
740
$3,770
—
—
apartment
1
1
652
$3,870
—
—
apartment
1
1
947
$4,294
—
—
apartment
1
1
771
$4,190
—
—
apartment
1
1
771
$4,048
—
—
apartment
1
1
840
$4,100
—
—
apartment
1
1
900
$4,060
—
—
apartment
1
1
812
$4,100
—
—
condos
1
1
870
$3,107
2025-11-19
—
condos
1
1
728
$2,000
2026-08-26
—
condos
1
1
697
$2,950
2026-08-28
—
apartment
1
1
918
$2,500
2026-09-01
—
condos
1
2
677
$2,500
2026-08-31
—
condos
1
1
737
$3,750
2026-08-31
—
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.