OFF_MARKETRisky Deal5 days on market

3815 SW 125th Ave

3815 SW 125th Ave, Miami, FL 33175, Miami, FL 33175
$875,000
Zestimate®:$840,000

Listing Price

Property image 1
3815 SW 125th Ave, Miami, FL 33175
Loc: Miami, FL
Days Listed
5
Tax Assessed
$564k
Zestimate®
$840k
Market Rate
Lot Size
9,453 sqft
Rent Estimate
$4,049/mo
Est. Cash Flow base
Type
single family

More Than Just a Property

We believe a home extends beyond its walls. That's why we help you explore the pulse of the community—from top-rated schools to essential emergency services. Your safety, well-being, and connection to the neighborhood matter to us.

4.9
Safety Score
A+
Schools
Haven Underwritten Market·Moderate (1.10 - 1.24x)

Miami, FL Investment Analysis (2026)

Cap Rate Range: 5.4% - 6.6% · Median Rent: $3,400/mo · Effective Tax: 0.91%

Open Miami Market Underwrite

Property Overview

A stunning investment opportunity in a prime location. This property features modern amenities, spacious living areas, and strong rental potential.

Features & Amenities

Open Floor PlanHardwood FloorsModern KitchenStainless Steel AppliancesCentral Heat/AirLarge BackyardParkingNear Transit

Haven AI Verdict

Recommendation
Average
Confidence Score: 6.5/10
Exercise caution due to potential market volatility.
Cap Rate
4.09%
Total ROI
10.1%
Cash Flow
$-1,445/mo
DSCR
0.67
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Data provided by Haven AI. Disclaimer

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Haven AI

This single-family home in Miami, FL, presents an average investment opportunity given the high acquisition price relative to current rental income. The $875,000 price point in this specific Miami submarket suggests thin initial cash flow, likely resulting in a modest or negative net operating income (NOI) after accounting for realistic expenses, insurance (high in South Florida), and property management. The projected 4.09% gross yield is barely competitive for a high-cost-of-living area like Miami. Long-term value relies heavily on the projected 4% annual appreciation, which is optimistic for conservative analysis in the current economic climate. Prospective buyers must secure financing with favorable terms to avoid immediate cash flow strain.

Strengths
  • Desirable 3 Bed/2 Bath configuration suitable for strong tenant pool demand.
  • Strong underlying long-term land value inherent to Miami real estate.
  • Projected 4% annual appreciation offers decent long-term growth potential.
Considerations
  • High entry price ($875k) relative to the indicated gross rental yield (4.09%).
  • Miami-Dade County insurance and property tax burdens will significantly compress net cash flow.
  • Potential for high ongoing maintenance costs given the age/location of similar properties.
  • Initial capitalization rate (Cap Rate) is likely below 3.5% after estimated operating expenses.
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10-Year Price Projection

Nathaniel Pitchon-Getzels Logo
Getzels Group
Haven Team
CalRE #01884947
Call / Text
818.535.5337

Property Specs

Beds
3
Baths
2
Sq Ft
1,461
Institutional Underwriting Ledger

Investment Numbers & Operating Model

Standardized cash flow underwriting modeled with state tax schedules, regional insurance hazard risk, and disciplined operating reserves.

Data Sources:MLS List Price: $875,000Rent Basis: Observed Comp Model ($4,049/mo)State Tax Benchmark: 0.98% (FL)Hazard Reserve: $438/mo
Haven ScoreRisky
0/ 10

Multi-factor yield grade

Cap Rate (Unleveraged)
3.04%

NOI: $26,625/yr

Cash-on-Cash Yield
-13.8%

On $201,250 invested

DSCR Ratio
0.49x

Negative debt coverage

5-Yr Leveraged ROI
+25.0%

Equity + cumulative cash

Financing Scenario Controls
Adjust down payment & rates to model your personalized return

Monthly Cash Flow Breakdown

Monthly Operating Deductions
Property Taxes (0.98% of basis)-$461/mo
Homeowner / Hazard Insurance-$438/mo
Vacancy Reserve (5% of rent)-$202/mo
Repairs & Maintenance (10% of rent)-$405/mo
Property Management (8% of rent)-$324/mo
Total Pure Operating Expenses-$1,830/mo
Net Investor Cash Flow
Gross Scheduled Rent+$4,049/mo
Less: Operating Expenses-$1,830/mo
Net Operating Income (NOI)+$2,219/mo
Less: Debt Service (30yr @ 6.75%)-$4,540/mo
Net Cash Flow
$-2,321/mo
$-27,857/year
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