2770 NW 44th St

Miami, FL 33142 · single_family · For Sale · 16 days on market
Asking price$530,000
4 beds 3 baths 1,219 sqft
Suggested offer$418,284$111,716 above the est. market value of $418,284.
View on Realtor.com →
Listed by Oscar Arellano · Coldwell Banker Realty
Typesingle_family
Built2026
Price / sqft$435
Est. value (own analysis)$418,284
Rent estimate (own analysis)$3,425/mo
HOANone
Show every detail
Statusfor_sale
Listed date2026-08-17
Removed date
MLSMiamiMLS #A12071341
Coordinates
Address2770 NW 44th St
CityMiami
StateFL
Zip33142
Listing ID9430207980
Sourceus-real-estate-listings, cached 2026-08-31

ZIP market snapshot (33142)

Typical home value (ZHVI)$430,103
Typical rent (ZORI)$2,350/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$530,000
Down payment (20.0%)$106,000
Loan amount$424,000
Closing costs (5.0%)$26,500
Total cash to close$132,500
Rent (comp-derived)$3,425$41,100
Vacancy loss (8.0%)

Vacancy Loss

Gross Scheduled Rent × Vacancy Rate

Gross scheduled rent (annual) comp$41,100
Vacancy rate (assumption) assumption8.0%

$41,100 × 8.0% = $3,288

Effective gross income$3,151$37,812
Property tax (placeholder 1.9% of price)$839$10,070
Insurance (placeholder 0.8% of price)$353$4,240
HOA dues$0$0
Management (0.0% of EGI)$0$0
Maintenance (5.0% of GSR)$171$2,055
Total operating expenses$1,364$16,365
Net operating income (NOI)

Net Operating Income (NOI)

Effective Gross Income − Total Operating Expenses

Effective gross income derived$37,812
Total operating expenses derived$16,365

$37,812 − $16,365 = $21,447

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$424,000
Interest rate (avg 30yr rate) comp6.7%
Term (assumption) assumption30 years

$424,000 amortized at 6.7% over 30 years = $2,725/mo

CapEx reserve (5.0% of GSR)$171$2,055
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$21,447
Annual debt service derived$32,697
Annual CapEx reserve assumption$2,055
Annual PMI assumption$0

($21,447 − $32,697 − $2,055 − $0) ÷ 12 = -$1,109

Cap rate

Cap Rate

NOI ÷ Purchase Price

NOI derived$21,447
Purchase price data$530,000

$21,447 ÷ $530,000 = 4.0%

Cash-on-cash

Cash-on-Cash Return

Annual Cash Flow ÷ Total Cash Invested

Annual cash flow derived-$13,305
Total cash to close derived$132,500

-$13,305 ÷ $132,500 = -10.0%

DSCR

Debt Service Coverage Ratio (DSCR)

NOI ÷ Annual Debt Service

NOI derived$21,447
Annual debt service derived$32,697

$21,447 ÷ $32,697 = 0.66

Rent-to-price (1% rule)

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

(Gross Scheduled Rent ÷ 12) ÷ Purchase Price

Gross scheduled rent (annual) comp$41,100
Purchase price data$530,000

($41,100 ÷ 12) ÷ $530,000 = 0.6%

Gross rent multiplier

Gross Rent Multiplier (GRM)

Purchase Price ÷ Gross Scheduled Rent

Purchase price data$530,000
Gross scheduled rent (annual) comp$41,100

$530,000 ÷ $41,100 = 12.9

Operating expense ratio

Operating Expense Ratio

Total Operating Expenses ÷ Effective Gross Income

Total operating expenses derived$16,365
Effective gross income derived$37,812

$16,365 ÷ $37,812 = 43.3%

Break-even occupancy

Break-Even Occupancy

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

Total operating expenses derived$16,365
Annual debt service derived$32,697
Annual PMI assumption$0
Gross scheduled rent (annual) comp$41,100

($16,365 + $32,697 + $0) ÷ $41,100 = 119.4%

Comparables

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

AddressTypeBedsBathsSqftAsking rentListedDays on market
single_family421,149$3,2502026-07-20
single_family42995$2,8002026-07-05
single_family421,434$3,6002026-05-05
single_family411,267$3,8002026-07-31
single_family411,200$3,0002026-07-29
single_family421,363$3,6752026-01-31

2324 NW 14th Ave Unit 0

Miami, 33142 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage1,149
Listed2026-07-20
Days on market

Asking rent: $3,250

View on Zillow →

5431 NW 30th Ave

Miami, 33142 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage995
Listed2026-07-05
Days on market

Asking rent: $2,800

View on Zillow →

1884 NW 52nd St Unit 0

Miami, 33142 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage1,434
Listed2026-05-05
Days on market

Asking rent: $3,600

View on Zillow →

1419 NW 44th St Unit 1

Miami, 33142 · rent comp

Bedrooms / bathrooms4 bd / 1 ba
Square footage1,267
Listed2026-07-31
Days on market

Asking rent: $3,800

View on Zillow →

1836 NW 33rd St

Miami, 33142 · rent comp

Bedrooms / bathrooms4 bd / 1 ba
Square footage1,200
Listed2026-07-29
Days on market

Asking rent: $3,000

View on Zillow →

2916 NW 51st St

Miami, 33142 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage1,363
Listed2026-01-31
Days on market

Asking rent: $3,675

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
4990 NW 31st Avesingle_family442,777$680,0002026-08-19
2778 NW 44th Stsingle_family431,219$525,0002026-08-12
3039 NW 43rd Tersingle_family421,675$480,0002026-07-24
5940 NW 21st Avesingle_family411,487$415,0002026-07-23
2326 NW 59th Stsingle_family421,016$485,0002026-07-22
2956 NW 44th Stsingle_family431,219$522,5002026-07-20
1926 NW 60th Stsingle_family421,427$510,0002026-07-16
5308 NW 29th Avesingle_family421,136$520,0002026-07-16
3298 NW 49th Stsingle_family421,410$493,0002026-06-22
1470 NW 51st Tersingle_family421,409$550,0002026-06-09
2724 NW 19th Avesingle_family422,822$555,0002026-06-04
2951 NW 49th Stsingle_family421,805$500,0002026-06-03
4430 NW 23rd Avesingle_family431,579$625,0002026-05-26
1371 NW 59th Stsingle_family421,400$535,0002026-05-20
1446 NW 61st Stsingle_family421,440$500,0002026-05-05
2970 NW 45th Stsingle_family43$525,0002026-04-21
2238 NW 58th Stsingle_family421,255$450,0002026-04-07
4028 NW 23rd Ctsingle_family452,268$666,6002026-03-31
3167 NW 52nd Stsingle_family431,760$530,0002026-02-14
2355 NW 59th Stsingle_family422,056$461,0002026-01-30
3320 NW 14th Avesingle_family421,702$350,0002026-01-23
1444 NW 51st Tersingle_family411,917$325,0002026-01-09
1321 NW 44th Stsingle_family421,568$619,0002025-12-17
4750 NW 21st Avesingle_family421,158$315,0002025-12-11
3280 NW 51st Stsingle_family432,227$650,0002025-11-05
1330 NW 56th Stsingle_family421,540$380,0002025-10-31
2976 NW 45th Stsingle_family43$525,0002025-10-28
1218 NW 41st Stsingle_family421,368$480,0002025-10-17
3101 NW 49th Stsingle_family421,248$520,0002025-10-15
2479 NW 26th Stsingle_family431,118$585,0002025-10-02
2162 NW 26th Stsingle_family421,650$480,0002025-09-27
1612 NW 51st Tersingle_family411,195$310,0002025-09-26
2489 NW 60th Stsingle_family421,428$490,0002025-09-23
2980 NW 45th Stsingle_family43$525,0002025-09-19

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
2775 NW 57th Stmulti_family441,202$749,900
2385 NW 32nd Stsingle_family422,180$639,999
1754 NW 56th Stsingle_family421,690$430,000
3010 NW 32nd Stsingle_family421,958$630,000
3231 NW 19th Avemulti_family421,977$625,000
2651 NW 33rd Stmulti_family421,155$565,000
2124 NW 27th Stmulti_family441,750$780,000
1851 NW 34th Stmulti_family421,458$590,000

10-year hold projection

IRR3.6%
Equity multiple1.58x
Total return (10yr)$145,531
YearProperty valueNOICash flowLoan balanceEquity
1$545,900$21,447-$13,305$419,403$126,497
2$562,277$22,172-$12,631$414,490$147,787
3$579,145$22,921-$11,935$409,240$169,905
4$596,520$23,695-$11,215$403,629$192,891
5$614,415$24,494-$10,471$397,633$216,782
6$632,848$25,319-$9,703$391,225$241,622
7$651,833$26,171-$8,909$384,378$267,456
8$671,388$27,051-$8,088$377,060$294,329
9$691,530$27,960-$7,241$369,239$322,291
10$712,276$28,898-$6,365$360,881$351,394
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.