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
$405,415
Down payment (20.0%)
$81,083
Loan amount
$324,332
Closing costs (5.0%)
$20,271
Total cash to close
$101,354
Income
Rent (comp-derived)
$4,100$49,200
Vacancy loss (8.0%)
Effective gross income
$3,772$45,264
Operating expenses
Property tax (placeholder 1.9% of price)
$642$7,703
Insurance (placeholder 0.8% of price)
$270$3,243
HOA dues
$410$4,920
Management (0.0% of EGI)
$0$0
Maintenance (5.0% of GSR)
$205$2,460
Total operating expenses
$1,527$18,326
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)
$205$2,460
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
Widened to city-wide. Real active rental listings, used to derive the rent estimate above.
Address
Type
Beds
Baths
Sqft
Asking rent
Listed
Days on market
apartment
3
2
1,894
$3,000
2026-08-21
—
condos
3
3
1,995
$8,500
2026-08-21
—
condos
3
4
2,204
$12,800
2026-08-20
—
condos
3
2
1,190
$2,850
2026-08-20
—
condos
3
3
1,539
$2,700
2026-08-20
—
apartment
3
4
1,470
$7,800
2026-08-20
—
condos
3
3
1,753
$12,500
2026-08-20
—
condos
3
4
1,676
$8,950
2026-08-20
—
condos
3
3
1,140
$2,850
2026-08-20
—
condos
3
4
1,634
$14,000
2026-08-19
—
condos
3
2
1,789
$6,500
2026-08-19
—
condos
3
3
1,765
$4,200
2026-08-19
—
condos
3
2
1,549
$3,600
2026-08-19
—
condos
3
2
1,276
$2,900
2026-08-19
—
apartment
3
2
1,926
$2,600
2026-08-19
—
condos
3
3
1,783
$9,000
2026-08-18
—
apartment
3
2
1,700
$2,850
2026-08-18
—
apartment
3
2
2,027
$3,400
2026-08-18
—
condos
3
2
1,150
$2,500
2026-08-18
—
condos
3
3
1,545
$8,900
—
—
condos
3
2
1,152
$5,800
2026-08-18
—
condos
3
2
1,175
$2,750
2026-08-18
—
condos
3
3
1,649
$12,375
2026-08-18
—
condos
3
3
1,790
$3,200
2026-08-17
—
condos
3
3
1,593
$9,150
2026-08-17
—
condos
3
3
1,542
$13,950
2026-08-17
—
apartment
3
4
1,675
$9,200
2026-08-17
—
condos
3
3
1,944
$11,000
2026-08-17
—
condos
3
2
1,233
$2,750
2026-08-17
—
condos
3
3
1,486
$2,800
2026-08-16
—
condos
3
2
1,324
$4,549
2026-08-15
—
condos
3
4
1,660
$8,500
2026-08-15
—
apartment
3
2
1,460
$4,000
2026-08-15
—
condos
3
2
1,258
$2,450
2026-08-15
—
apartment
3
1
1,350
$2,600
2026-08-15
—
condos
3
2
1,515
$5,500
2026-08-14
—
condos
3
3
1,235
$5,000
2026-08-14
—
condos
3
4
2,204
$9,500
2026-08-14
—
apartment
3
1
2,282
$2,800
2026-08-14
—
condos
3
3
1,580
$3,350
2026-08-14
—
apartment
3
1
2,249
$3,100
2026-08-14
—
condos
3
2
1,290
$3,300
2026-08-14
—
apartment
3
2
2,012
$3,800
2026-08-13
—
condos
3
4
1,953
$13,500
2026-08-13
—
condos
3
3
1,220
$2,400
2026-08-13
—
condos
3
3
1,593
$8,250
2026-08-13
—
condos
3
2
1,280
$3,100
2026-08-13
—
condos
3
2
1,510
$5,750
2026-08-13
—
condos
3
4
2,188
$10,000
2026-08-12
—
apartment
3
2
1,800
$3,300
2026-08-12
—
condos
3
3
1,272
$5,050
2026-08-12
—
condos
3
3
1,311
$5,295
2026-08-12
—
condos
3
4
1,909
$16,999
2026-08-12
—
condos
3
2
1,433
$5,600
2026-08-12
—
condos
3
2
1,208
$2,590
2026-08-12
—
apartment
3
3
1,640
$3,650
2026-08-11
—
condos
3
2
1,460
$5,800
2026-08-11
—
condos
3
2
1,147
$2,500
2026-08-11
—
condos
3
2
1,565
$3,300
2026-08-11
—
condos
3
2
1,807
$1,600
2026-08-11
—
condos
3
2
1,260
$2,950
2026-08-11
—
apartment
3
2
1,200
$2,700
2026-08-11
—
apartment
3
2
1,200
$2,700
2026-08-11
—
condos
3
3
1,711
$12,700
2026-08-11
—
condos
3
4
1,435
$10,500
2026-08-10
—
condos
3
3
1,778
$9,950
2026-08-10
—
apartment
3
2
1,150
$3,100
2026-08-10
—
apartment
3
3
1,800
$9,579
2026-08-10
—
apartment
3
2
1,450
$3,300
2026-08-10
—
condos
3
4
1,662
$3,100
2026-08-10
—
condos
3
3
1,530
$2,800
2026-08-10
—
condos
3
3
1,320
$2,800
2026-08-10
—
condos
3
3
1,720
$6,500
2026-08-10
—
apartment
3
2
1,932
$3,000
2026-08-08
—
condos
3
2
1,185
$2,600
2026-08-08
—
apartment
3
2
2,184
$3,100
2026-08-08
—
condos
3
3
1,711
$12,700
2026-08-08
—
apartment
3
2
2,320
$2,800
2026-08-08
—
condos
3
4
1,641
$13,500
2026-08-07
—
condos
3
4
1,946
$24,000
2026-08-07
—
condos
3
4
1,613
$10,000
2026-08-07
—
condos
3
3
1,488
$6,200
2026-08-07
—
condos
3
2
1,320
$4,300
2026-08-07
—
condos
3
2
1,150
$2,700
2026-08-07
—
condos
3
4
2,188
$12,500
2026-08-07
—
condos
3
2
1,925
$3,400
2026-08-07
—
condos
3
2
1,363
$4,250
2026-08-07
—
condos
3
3
1,220
$2,550
2026-08-07
—
condos
3
2
1,870
$7,999
2026-08-07
—
condos
3
3
1,451
$7,400
2026-08-07
—
condos
3
3
1,682
$10,500
2026-08-07
—
condos
3
3
1,547
$3,600
2026-08-06
—
condos
3
4
1,946
$22,500
2026-08-06
—
apartment
3
2
1,277
$2,375
2026-08-06
—
apartment
3
2
2,114
$3,300
2026-08-06
—
condos
3
3
1,577
$7,800
2026-08-06
—
condos
3
2
1,310
$3,900
2026-08-06
—
condos
3
3
1,472
$5,500
2026-08-06
—
apartment
3
2
1,500
$2,750
2026-08-06
—
condos
3
2
1,297
$3,900
2026-08-05
—
condos
3
3
1,505
$6,100
2026-08-05
—
condos
3
4
1,909
$12,500
2026-08-05
—
condos
3
3
1,759
$9,500
2026-08-05
—
condos
3
3
1,281
$6,500
2026-08-05
—
condos
3
2
1,146
$4,100
2026-08-05
—
condos
3
2
1,250
$3,500
2026-08-05
—
condos
3
2
1,385
$4,200
2026-08-04
—
condos
3
2
1,275
$2,650
2026-08-04
—
condos
3
4
1,634
$12,500
2026-07-27
—
apartment
3
2
2,159
$4,500
2026-07-27
—
condos
3
3
1,812
$3,000
2026-07-27
—
apartment
3
2
1,905
$3,500
2026-07-27
—
condos
3
2
1,789
$6,200
2026-07-27
—
condos
3
4
2,289
$18,500
2026-07-26
—
condos
3
3
1,220
$2,600
2026-07-25
—
condos
3
3
1,705
$8,500
2026-07-24
—
condos
3
2
1,416
$5,600
2026-07-24
—
apartment
3
2
2,266
$3,000
2026-07-24
—
condos
3
2
1,262
$2,700
2026-07-24
—
condos
3
3
2,010
$12,000
2026-07-24
—
condos
3
4
1,955
$17,000
2026-07-24
—
condos
3
2
1,405
$3,450
2026-07-24
—
condos
3
3
1,825
$7,500
2026-07-24
—
condos
3
2
1,200
$2,850
2026-07-24
—
condos
3
3
1,449
$7,800
2026-07-24
—
condos
3
3
1,275
$2,850
2026-07-24
—
apartment
3
3
1,647
$11,000
—
—
condos
3
2
1,215
$3,000
2026-07-23
—
apartment
3
1
2,066
$2,800
2026-07-23
—
condos
3
3
1,533
$2,950
2026-07-23
—
condos
3
2
1,190
$2,600
2026-07-23
—
apartment
3
2
1,270
$3,000
2026-07-22
—
condos
3
2
1,150
$2,599
2026-07-22
—
condos
3
3
1,494
$5,900
2026-07-22
—
apartment
3
1
1,584
$2,300
2026-07-21
—
condos
3
4
1,912
$17,000
2026-07-21
—
apartment
3
2
1,340
$2,850
2026-07-21
—
condos
3
3
1,751
$9,000
2026-07-21
—
apartment
3
1
2,052
$3,350
2026-07-21
—
condos
3
3
1,575
$4,400
2026-07-21
—
condos
3
2
1,450
$6,200
2026-07-21
—
condos
3
3
1,711
$8,500
2026-07-21
—
condos
3
3
1,283
$8,600
2026-07-21
—
apartment
3
2
1,275
$3,500
2026-07-21
—
condos
3
3
1,753
$9,600
2026-07-21
—
condos
3
5
2,076
$16,000
2026-07-21
—
apartment
3
2
1,875
$3,450
2026-07-20
—
condos
3
2
1,205
$2,600
2026-07-18
—
apartment
3
2
1,868
$3,300
2026-07-17
—
condos
3
2
1,271
$2,850
2026-07-17
—
condos
3
3
1,792
$7,900
2026-07-16
—
condos
3
2
1,152
$5,400
2026-07-16
—
condos
3
2
1,203
$3,200
2026-07-16
—
apartment
3
2
1,500
$3,900
2026-07-16
—
condos
3
4
1,645
$8,250
2026-07-16
—
condos
3
2
1,288
$2,800
2026-07-15
—
condos
3
4
2,115
$22,000
2026-07-15
—
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.