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1 C
Grade
$135,000💡 🏦 DSCR 25%dn: $-656/mo
C
$135,000
1320 SW 131st Pl, Miami
FL
C
55
Cashflow
$-841/mo
CoC ROI
-87.3%
Rent Est
$1,300/mo
via RentCast · GRM 8.7
Cap Rate
12.3%
💡 OPPORTUNITY — alternative strategies
🤝 Seller Finance: $-706/mo🏦 DSCR 25%dn: $-656/mo
🏠🏠
C
55
$135,000
1320 SW 131st Pl
Miami · 4bd/4.0ba · Duplex
4,500 sf · Built 1980
$-841
Cash Flow
-87.3%
CoC ROI
12.3%
Cap Rate
$11,560
Cash In
Property Breakdowns
C
55
1320 SW 131st Pl Duplex
Miami, FL 33184 · 4bd/4.0ba · 4,500sf · Built 1980
$135,000
Asking Price
Asking Price
—
3.5% down, great for first-time buyers
Down Payment: $4,725
Loan Amount: $132,555
Fees / MIP: $2,280
Closing Costs: $4,050
Reserves (3mo): $2,785
Total Cash Needed: $11,560
Monthly Expenses
Mortgage P&I+MIP: $928.29
Property Tax: $219.38
Insurance: $666.67
HOA: $0.00
Maint + CapEx: $157.50
Vacancy + Mgmt: $169.00
Total: $2,140.83/mo
Returns
Market Rent (all units): $2,600
Your Rental Income: $1,300
Cashflow: $-841/mo
Annual: $-10,090/yr
Cash-on-Cash ROI: -87.3%
Cap Rate: 12.3% · DSCR: 1.40x
HOUSE HACK
You Live In
1 of 2 units
1 of 2 units
Rental Income (1u)
$1,300/mo
$1,300/mo
Your Housing Cost
$841/mo
$841/mo
Savings vs Renting
$459/mo
$459/mo
💡
CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK
This property shows $-841/mo negative cashflow with standard financing. Here are approaches that could turn it positive:
🏠 House Hack
Live in 1 unit, rent 1. Your housing cost drops to $841/mo — saving $459/mo vs renting.
🤝 Seller Financing
Negotiate 10% down at 5.0% with the seller. Projected cashflow: $-565/mo (vs $-841/mo conventional).
💰 DSCR Loan (25% Down)
Higher down payment, lower rate (6.5%). Projected cashflow: $-553/mo — saves $288/mo.
✈️ Short-Term Rental
Airbnb/VRBO gross ~$4,160/mo. After STR expenses, estimated cashflow: $272/mo. See full STR analysis below.
✈️
AIRBNB / SHORT-TERM RENTAL ANALYSIS
LEGAL
Confidence: 70%
AVG NIGHTLY
$300
OCCUPANCY
50%
GROSS / MO
$4,500
STR CASHFLOW
$-642/mo
STR vs LTR
-61%
BREAKEVEN OCC
50%
STR EXPENSES BREAKDOWN
Platform fees: $135
Cleaning: $555
Management (20%): $900
Utilities: $500
Taxes (12%): $540
Other: $410
Cleaning: $555
Management (20%): $900
Utilities: $500
Taxes (12%): $540
Other: $410
FURNITURE SETUP
Furniture: $9,700
Appliances: $800
Kitchen + Linens: $1,200
Electronics: $600
Decor + Supplies: $700
Total Setup: $13,300
Appliances: $800
Kitchen + Linens: $1,200
Electronics: $600
Decor + Supplies: $700
Total Setup: $13,300
⚠
Both negative
LTR: $-841/mo · STR: $-642/mo · CoC ROI: -34.9%
⚠ Allowed in most zones. Must register with DBPR. Brickell condos — check building docs.
🏠 RENTAL COMPS
AVG MARKET RENT
$1,300/mo
RANGE
$1,300 – $1,300
CONFIDENCE
LOW
N/A
Our estimate
$1,300/mo ✅ Inline with market
No comparable rentals found in 33184
📍 NEIGHBORHOOD SCORE 🔒 Pro
▶🤖 SpillAI ANALYSIS 🔒 Pro
TOP UPGRADES BY ROI
📷 Upload photos for AI analysis
| Pri | Upgrade | Cost | Value Add | ROI |
|---|---|---|---|---|
| CRIT | New A/C System | $16,800 | +$21,840 | 130% |
| CRIT | Electrical Panel Upgrade | $5,175 | +$6,210 | 120% |
| CRIT | Full Re-Pipe | $10,650 | +$11,715 | 110% |
| CRIT | Professional Deep Clean | $715 | +$3,575 | 500% |
| CRIT | Full Interior Paint | $12,375 | +$37,125 | 300% |
🔨
LEAN FLIP
Medium Confidence
- • Strong forced equity potential (+$137,325)
- • Excellent reno ROI (186%)
- • Duplex — multiple income streams
- • Strong DSCR (1.40x) — comfortably covers debt
👎
IS IT WORTH IT?
PROBABLY NOT — Risky
- • Heavy negative cashflow ($-841/mo)
- • Low barrier to entry ($11,560 cash needed)
- • Has flip exit strategy if hold doesn't work
🛡
NEIGHBORHOOD SAFETY
5/10
Moderate
Some crime concerns, exercise normal caution
55
AI Deal Score
55/100
👍 Solid
🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Miami Dade County Property Appraiser →
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Miami Dade County Property Appraiser →
📈 10-YEAR EQUITY PROJECTION
▶🔨 FIX & FLIP ANALYSIS
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