6814 NW 104th Ct

Doral, FL 33178 · single_family · For Sale · 71 days on market
Asking price$2,900,000
4 beds 5 baths 4,034 sqft
Suggested offer$1,547,886$1,352,114 above the est. market value of $1,547,886.
View on Realtor.com →
Listed by Roberto Onorato · Fb Agents Corp.
Typesingle_family
Built2022
Price / sqft$719
Est. value (own analysis)$1,547,886
Rent estimate (own analysis)$7,000/mo
HOA$810/mo
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Neighborhood

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Statusfor_sale
Listed date2026-06-24
Removed date
MLSMiamiMLS #A12042204
Coordinates25.83531, -80.36695
Address6814 NW 104th Ct
CityDoral
StateFL
Zip33178
Listing ID9572325456
Sourceus-real-estate-listings, cached 2026-09-02

ZIP market snapshot (33178)

Typical home value (ZHVI)$558,055
Typical rent (ZORI)$2,961/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$2,900,000
Down payment (20.0%)$580,000
Loan amount$2,320,000
Closing costs (5.0%)$145,000
Total cash to close$725,000
Rent (comp-derived)$7,000$84,000
Vacancy loss (8.0%)

Vacancy Loss

Gross Scheduled Rent × Vacancy Rate

Gross scheduled rent (annual) comp$84,000
Vacancy rate (assumption) assumption8.0%

$84,000 × 8.0% = $6,720

Effective gross income$6,440$77,280
Property tax (placeholder 1.9% of price)$4,592$55,100
Insurance (placeholder 0.8% of price)$1,933$23,200
HOA dues$810$9,720
Management (0.0% of EGI)$0$0
Maintenance (5.0% of GSR)$350$4,200
Total operating expenses$7,685$92,220
Net operating income (NOI)

Net Operating Income (NOI)

Effective Gross Income − Total Operating Expenses

Effective gross income derived$77,280
Total operating expenses derived$92,220

$77,280 − $92,220 = -$14,940

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$2,320,000
Interest rate (avg 30yr rate) comp6.7%
Term (assumption) assumption30 years

$2,320,000 amortized at 6.7% over 30 years = $14,909/mo

CapEx reserve (5.0% of GSR)$350$4,200
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-$14,940
Annual debt service derived$178,907
Annual CapEx reserve assumption$4,200
Annual PMI assumption$0

(-$14,940 − $178,907 − $4,200 − $0) ÷ 12 = -$16,504

Cap rate

Cap Rate

NOI ÷ Purchase Price

NOI derived-$14,940
Purchase price data$2,900,000

-$14,940 ÷ $2,900,000 = -0.5%

Cash-on-cash

Cash-on-Cash Return

Annual Cash Flow ÷ Total Cash Invested

Annual cash flow derived-$198,047
Total cash to close derived$725,000

-$198,047 ÷ $725,000 = -27.3%

DSCR

Debt Service Coverage Ratio (DSCR)

NOI ÷ Annual Debt Service

NOI derived-$14,940
Annual debt service derived$178,907

-$14,940 ÷ $178,907 = -0.08

Rent-to-price (1% rule)

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

(Gross Scheduled Rent ÷ 12) ÷ Purchase Price

Gross scheduled rent (annual) comp$84,000
Purchase price data$2,900,000

($84,000 ÷ 12) ÷ $2,900,000 = 0.2%

Gross rent multiplier

Gross Rent Multiplier (GRM)

Purchase Price ÷ Gross Scheduled Rent

Purchase price data$2,900,000
Gross scheduled rent (annual) comp$84,000

$2,900,000 ÷ $84,000 = 34.5

Operating expense ratio

Operating Expense Ratio

Total Operating Expenses ÷ Effective Gross Income

Total operating expenses derived$92,220
Effective gross income derived$77,280

$92,220 ÷ $77,280 = 119.3%

Break-even occupancy

Break-Even Occupancy

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

Total operating expenses derived$92,220
Annual debt service derived$178,907
Annual PMI assumption$0
Gross scheduled rent (annual) comp$84,000

($92,220 + $178,907 + $0) ÷ $84,000 = 322.8%

Comparables

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

AddressTypeBedsBathsSqftAsking rentListedDays on market
single_family443,053$5,0002026-05-28
single_family443,008$7,9002026-06-08
single_family443,053$6,5002026-04-27
single_family442,650$5,8002026-05-08
single_family422,635$6,2502026-08-04
single_family443,128$7,8992026-04-29
single_family443,781$7,8002026-02-02
single_family442,650$6,5002026-06-18
single_family443,624$9,5002026-04-30
single_family433,162$11,9002026-07-07
single_family442,648$5,700
single_family453,495$7,500

10919 NW 80th Ln

Doral, 33178 · rent comp

Bedrooms / bathrooms4 bd / 4 ba
Square footage3,053
Listed2026-05-28
Days on market

Asking rent: $5,000

View on Zillow →

8551 NW 110th Ave Unit 8551

Doral, 33178 · rent comp

Bedrooms / bathrooms4 bd / 4 ba
Square footage3,008
Listed2026-06-08
Days on market

Asking rent: $7,900

View on Zillow →

11480 NW 82th Ter

Doral, 33178 · rent comp

Bedrooms / bathrooms4 bd / 4 ba
Square footage3,053
Listed2026-04-27
Days on market

Asking rent: $6,500

View on Zillow →

8640 NW 101st Pl

Doral, 33178 · rent comp

Bedrooms / bathrooms4 bd / 4 ba
Square footage2,650
Listed2026-05-08
Days on market

Asking rent: $5,800

View on Zillow →

5230 NW 104th Ct

Doral, 33178 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage2,635
Listed2026-08-04
Days on market

Asking rent: $6,250

View on Zillow →

9830 NW 86th Ter

Doral, 33178 · rent comp

Bedrooms / bathrooms4 bd / 4 ba
Square footage3,128
Listed2026-04-29
Days on market

Asking rent: $7,899

View on Zillow →

10250 NW 76th Ter

Doral, 33178 · rent comp

Bedrooms / bathrooms4 bd / 4 ba
Square footage3,781
Listed2026-02-02
Days on market

Asking rent: $7,800

View on Zillow →

8605 NW 102nd Ct

Doral, 33178 · rent comp

Bedrooms / bathrooms4 bd / 4 ba
Square footage2,650
Listed2026-06-18
Days on market

Asking rent: $6,500

View on Zillow →

9915 NW 75th St Unit 9915

Doral, 33178 · rent comp

Bedrooms / bathrooms4 bd / 4 ba
Square footage3,624
Listed2026-04-30
Days on market

Asking rent: $9,500

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11310 NW 61st St

Doral, 33178 · rent comp

Bedrooms / bathrooms4 bd / 3 ba
Square footage3,162
Listed2026-07-07
Days on market

Asking rent: $11,900

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11336 NW 47th Ln

Doral, 33178 · rent comp

Bedrooms / bathrooms4 bd / 4 ba
Square footage2,648
Listed
Days on market

Asking rent: $5,700

View on Zillow →

9895 NW 87th Ave

Doral, 33178 · rent comp

Bedrooms / bathrooms4 bd / 5 ba
Square footage3,495
Listed
Days on market

Asking rent: $7,500

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
11180 NW 73rd Stsingle_family432,312$875,0002026-09-01
6950 NW 106th Avesingle_family442,878$1,090,0002026-09-01
10464 NW 66th Stsingle_family441,862$840,0002026-08-31
5853 NW 111th Avesingle_family432,401$1,125,0002026-08-24
11559 NW 84th Tersingle_family443,053$1,160,0002026-08-21
11263 NW 53rd Lnsingle_family431,934$819,0002026-08-18
11258 NW 47th Lnsingle_family422,429$900,0002026-08-18
11343 NW 53rd Lnsingle_family422,154$775,0002026-08-07
8868 NW 101st Plsingle_family442,650$860,0002026-08-05
10340 NW 46th Tersingle_family422,675$1,295,0002026-07-31
5861 NW 109th Ctsingle_family442,480$1,200,0002026-07-28
11431 NW 68th Tersingle_family432,312$752,5002026-07-24
9998 NW 86th Tersingle_family432,548$885,0002026-07-20
11583 NW 69th Tersingle_family422,104$785,0002026-07-14
4934 NW 94th Doral Plsingle_family433,018$2,575,0002026-07-07
10643 NW 54th Stsingle_family432,885$1,010,0002026-07-06
11184 NW 73rd Stsingle_family432,312$860,0002026-07-03
10023 NW 89th Tersingle_family432,650$1,025,0002026-06-29
11262 NW 59th Tersingle_family422,028$900,0002026-06-26
7233 NW 113th Ctsingle_family432,312$880,0002026-06-15
4650 NW 109th Ctsingle_family432,622$900,0002026-06-05
9835 NW 86th Tersingle_family443,128$1,025,0002026-06-03
11018 NW 84th Stsingle_family442,975$755,0002026-06-02
10934 NW 59th Stsingle_family432,401$1,185,0002026-05-27
5186 NW 106th Avesingle_family432,902$1,235,0002026-05-22
5869 NW 108th Plsingle_family432,468$1,099,0002026-05-22
10465 NW 46th Stsingle_family432,675$1,250,0002026-05-21
10772 NW 71st Stsingle_family422,138$995,0002026-05-20
10917 NW 59th Stsingle_family432,580$1,235,0002026-05-15
9491 NW 45th Stsingle_family442,996$935,0002026-04-30
6745 NW 103rd Avesingle_family432,782$1,250,0002026-04-30
4432 NW 93rd Doral Ctsingle_family432,360$1,200,0002026-04-30
7540 NW 97th Plsingle_family443,030$1,250,0002026-04-29
11372 NW 72nd Tersingle_family432,312$810,0002026-04-29
5337 NW 113th Plsingle_family432,154$785,0002026-04-23
8665 NW 114th Ctsingle_family432,118$667,0002026-04-21
9815 NW 86th Tersingle_family453,495$1,050,0002026-04-17
9791 NW 75th Stsingle_family443,030$1,200,0002026-04-15
11257 NW 78th Stsingle_family443,053$1,080,0002026-04-15
5860 NW 104th Pathsingle_family432,156$735,0002026-04-14
11321 NW 79th Lnsingle_family432,144$918,0002026-04-07
9467 NW 54th Doral Circle Lnsingle_family432,913$2,650,0002026-04-07
9947 NW 86th Tersingle_family453,495$1,025,0002026-04-07
9467 NW 54th Doral Cir Lnsingle_family432,913$2,650,0002026-04-06
8437 NW 110th Avesingle_family442,975$799,9002026-04-01
5926 NW 110th Ctsingle_family432,401$1,181,0002026-03-31
7257 NW 113th Ctsingle_family432,105$860,0002026-03-30
10758 NW 70th Lnsingle_family422,580$827,4002026-03-12
5863 NW 111th Avesingle_family432,580$1,160,0002026-03-09
4450 NW 109th Ctsingle_family432,498$1,010,0002026-03-06

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
11351 NW 64th Tersingle_family422,011$1,140,000
8945 NW 98th Avesingle_family431,783$650,000
10776 NW 83rd Ter Unit 1-19condos431,507$499,999
11101 NW 72nd Tersingle_family452,680$1,870,000
10709 NW 81st Lncondos431,894$605,000
8542 NW 111th Ctsingle_family442,975$900,000
11628 NW 87th Ln Unit 11628townhomes431,912$689,900
7651 NW 114th Pathsingle_family431,894$565,000

10-year hold projection

IRR-8.3%
Equity multiple-0.41x
Total return (10yr)-$640,653
YearProperty valueNOICash flowLoan balanceEquity
1$2,987,000-$14,940-$198,047$2,294,846$692,154
2$3,076,610-$14,927-$198,139$2,267,965$808,645
3$3,168,908-$14,902-$198,222$2,239,238$929,671
4$3,263,976-$14,865-$198,295$2,208,538$1,055,438
5$3,361,895-$14,814-$198,358$2,175,730$1,186,165
6$3,462,752-$14,750-$198,409$2,140,668$1,322,083
7$3,566,634-$14,671-$198,449$2,103,200$1,463,435
8$3,673,633-$14,576-$198,476$2,063,158$1,610,475
9$3,783,842-$14,465-$198,490$2,020,366$1,763,476
10$3,897,358-$14,337-$198,490$1,974,636$1,922,721
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.