The Cashflow Home — A 30/70 Model for Miami Investors
Put 30% down, structure the unit for short-stay yield, let the tenant cover the rest. The math, the risks, and how we build it.
Put 30% down, structure the unit for short-stay yield, let the tenant cover the rest. The math, the risks, and how we build it.
What is a Cashflow Home?
A Cashflow Home is a single-family residence or townhome in Miami-Dade structured so the rental income covers the operating cost — mortgage, taxes, insurance, HOA, management — without owner top-up. You put 30% down; the property pays the remaining 70%.
The 30/70 math
On a $550,000 Lennar townhome with 30% down: monthly principal + interest comes to roughly $2,300 at current rates, taxes another $750, insurance $300, HOA $150, management 8% of gross. Mid-term rental at $4,200/month (12-month average across short and long stays) covers all of that with $200–$400 net per month for reserves.
Where we build it
Two corridors today: the Lennar Homestead cluster (Coral Breeze, Coral Landings, Briarcrest) and the D.R. Horton Florida City cluster (Vista Sol, Hadley Place, Palm Cay). Both offer the entry pricing the math needs.
Risk on the model
The chief sensitivity is occupancy. A unit that needs 78% annual occupancy to clear is vulnerable to one bad season. A unit that clears at 62% is bulletproof. We size every Cashflow Home to the lower number, then accept slightly thinner net so the owner sleeps.
Next step
See the full breakdown — including a unit-level eligibility worksheet — at /programs/cashflow-home.
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