# Bal Harbour & Surfside condo financeability — which buildings banks finance

As of 2026-10-15, 66 Bal Harbour & Surfside condo buildings have a Financeability Index; 17 are readily financeable, the lowest down payment a regulated lender accepted is 5%, from 148 recorded mortgages (average index 37).

A 0–100 index of how banks are actually lending in a building over the last 24 months, read from recorded mortgages: share of sales financed by regulated lenders, the lowest down payment accepted, loan recency and FHA/VA approvals.

## Buildings

| Building | Financeability Index | Tier | Mortgages (24 mo) | Sales financed | Lowest down payment | FHA/VA |
|---|---|---|---|---|---|---|
| [Bay Harbor Club](https://own.miami/buildings/bay-harbor-club) | 86 | strong | 4 | 75% | 15% | VA |
| [One Bay Harbor](https://own.miami/buildings/one-bay-harbor) | 81 | strong | 2 | 50% | 5% | — |
| [Waverly at Surfside](https://own.miami/buildings/waverly-at-surfside) | 72 | good | 2 | — | 15% | — |
| [Carroll Walk](https://own.miami/buildings/carroll-walk) | 67 | good | 3 | 75% | 25% | — |
| [Island Pointe](https://own.miami/buildings/island-pointe) | 67 | good | 2 | 33% | 5% | — |
| [Bay Harborview](https://own.miami/buildings/bay-harborview) | 65 | good | 2 | 50% | — | — |
| [Granada](https://own.miami/buildings/granada) | 64 | good | 3 | — | 10% | — |
| [Ten Thousand Plaza](https://own.miami/buildings/ten-thousand-plaza) | 62 | good | 2 | — | 25% | — |
| [Azure](https://own.miami/buildings/azure) | 58 | good | 2 | — | — | — |
| [La Baia](https://own.miami/buildings/la-baia) | 56 | good | 24 | 26% | 20% | — |
| [London Towers](https://own.miami/buildings/london-towers) | 56 | good | 4 | — | — | — |
| [St. Regis Bal Harbour Center Tower](https://own.miami/buildings/st-regis-bal-harbour-center-tower) | 55 | good | 7 | 43% | 25% | — |
| [Solimar](https://own.miami/buildings/solimar) | 54 | good | 16 | 42% | 16.3% | — |
| [Surfside Towers](https://own.miami/buildings/surfside-towers) | 54 | good | 7 | 25% | 16.2% | — |
| [The Mediterranean](https://own.miami/buildings/the-mediterranean) | 54 | good | 1 | — | — | — |
| [Mirage](https://own.miami/buildings/mirage) | 53 | good | 4 | 60% | 20% | — |
| [Waves](https://own.miami/buildings/waves) | 51 | good | 1 | 17% | — | — |
| [Balmoral](https://own.miami/buildings/balmoral) | 49 | limited | 11 | 15% | 19.4% | — |
| [Alana Bay Harbor](https://own.miami/buildings/alana-bay-harbor) | 48 | limited | 0 | — | 30% | — |
| [Caravelle](https://own.miami/buildings/caravelle) | 46 | limited | 1 | — | — | — |
| [Bay Harbor One](https://own.miami/buildings/bay-harbor-one) | 45 | limited | 1 | — | — | — |
| [Surfside Palms](https://own.miami/buildings/surfside-palms) | 45 | limited | 2 | — | — | — |
| [Villas At Bay Harbor](https://own.miami/buildings/villas-at-bay-harbor) | 45 | limited | 2 | — | — | — |
| [Blair House 9102](https://own.miami/buildings/blair-house-9102) | 44 | limited | 1 | 0% | — | — |
| [Kai at Bay Harbor](https://own.miami/buildings/kai-at-bay-harbor) | 43 | limited | 3 | 60% | 25.6% | — |
| [Oceana Bal Harbour](https://own.miami/buildings/oceana-bal-harbour) | 42 | limited | 8 | 25% | 25% | — |
| [Palms Bay Harbor](https://own.miami/buildings/palms-bay-harbor) | 41 | limited | 0 | — | — | — |
| [Atlantic Rose](https://own.miami/buildings/atlantic-rose) | 39 | limited | 0 | — | — | — |
| [Montego Club](https://own.miami/buildings/montego-club) | 39 | limited | 1 | 33% | — | — |
| [Blair House 9100](https://own.miami/buildings/blair-house-9100) | 38 | limited | 0 | — | — | — |
| [Kenilworth](https://own.miami/buildings/kenilworth) | 37 | limited | 4 | 15% | — | — |
| [Ivory Residence](https://own.miami/buildings/ivory-residence) | 35 | limited | 1 | — | — | — |
| [Harbour House](https://own.miami/buildings/harbour-house) | 33 | limited | 12 | 11% | 30% | — |
| [O Residences](https://own.miami/buildings/o-residences) | 33 | limited | 2 | 25% | — | — |
| [Mediterranean](https://own.miami/buildings/mediterranean) | 31 | limited | 1 | — | — | — |
| [Bellini](https://own.miami/buildings/bellini-2) | 29 | cash | 5 | 25% | — | — |
| [Marbella](https://own.miami/buildings/marbella) | 29 | cash | 2 | 0% | — | — |
| [Manatee](https://own.miami/buildings/manatee) | 28 | cash | 4 | 11% | — | VA |
| [9350 W Bay Harbor Dr](https://own.miami/buildings/9350-w-bay-harbor-dr) | 27 | cash | 0 | — | — | — |
| [Bal Bridge North](https://own.miami/buildings/bal-bridge-north) | 27 | cash | 0 | — | — | — |
| [Belmont](https://own.miami/buildings/belmont) | 27 | cash | 0 | — | — | — |
| [The Surf Club](https://own.miami/buildings/the-surf-club) | 27 | cash | 5 | 0% | 30% | — |
| [Island Manor South](https://own.miami/buildings/island-manor-south) | 26 | cash | 1 | — | — | — |
| [Colony Bay Harbor](https://own.miami/buildings/colony-bay-harbor) | 25 | cash | 1 | 33% | — | — |
| [Ocean Seven](https://own.miami/buildings/ocean-seven) | 25 | cash | 0 | — | — | — |
| [Spiaggia Ocean](https://own.miami/buildings/spiaggia-ocean) | 25 | cash | 4 | — | — | — |
| [Bal Harbour Tower](https://own.miami/buildings/bal-harbour-tower) | 24 | cash | 1 | 14% | — | — |
| [Seaway South](https://own.miami/buildings/seaway-south) | 24 | cash | 6 | 20% | 31.3% | — |
| [Rimini Beach](https://own.miami/buildings/rimini-beach) | 23 | cash | 0 | — | — | — |
| [Vintage](https://own.miami/buildings/vintage) | 23 | cash | 4 | — | — | — |
| [Altos del Mar 5](https://own.miami/buildings/altos-del-mar-5) | 20 | cash | 2 | 0% | — | — |
| [Bal Harbour 101](https://own.miami/buildings/bal-harbour-101) | 20 | cash | 3 | 29% | — | — |
| [Riva Bay Harbor](https://own.miami/buildings/riva-bay-harbor) | 20 | cash | 0 | — | — | — |
| [Ocean 88](https://own.miami/buildings/ocean-88) | 19 | cash | 1 | 0% | — | — |
| [Four Winds](https://own.miami/buildings/four-winds) | 18 | cash | 1 | 0% | — | — |
| [Guildford](https://own.miami/buildings/guildford) | 18 | cash | 0 | 0% | — | — |
| [Onda Residences](https://own.miami/buildings/onda-residences) | 18 | cash | 4 | 9% | — | — |
| [Plaza of Bal Harbour](https://own.miami/buildings/plaza-of-bal-harbour) | 18 | cash | 6 | 0% | — | — |
| [Stuart Homes](https://own.miami/buildings/stuart-homes) | 18 | cash | 1 | — | — | — |
| [The Ocean Wave](https://own.miami/buildings/the-ocean-wave) | 18 | cash | 3 | — | — | — |
| [Tiffany](https://own.miami/buildings/tiffany) | 18 | cash | 1 | 0% | — | — |
| [Sereno Residences](https://own.miami/buildings/sereno-residences) | 17 | cash | 0 | 0% | — | — |
| [St. Regis Bal Harbour South Tower](https://own.miami/buildings/st-regis-bal-harbour-south-tower) | 17 | cash | 0 | 0% | — | — |
| [St. Regis Bal Harbour North Tower](https://own.miami/buildings/st-regis-bal-harbour-north-tower) | 16 | cash | 3 | 20% | — | — |
| [One Bal Harbour](https://own.miami/buildings/one-bal-harbour) | 14 | cash | 3 | 17% | — | — |
| [The Palace at Bal Harbour](https://own.miami/buildings/the-palace-at-bal-harbour) | 12 | cash | 1 | 0% | — | — |
| [9900 W Bay Harbor Dr](https://own.miami/buildings/9900-w-bay-harbor-dr) | — | insufficient | 0 | — | — | — |
| [Arte Surfside](https://own.miami/buildings/arte-surfside) | — | insufficient | 0 | — | — | — |
| [Bay Harbor Towers](https://own.miami/buildings/bay-harbor-towers) | — | insufficient | 0 | — | — | — |
| [Beach Haus Bal Harbour](https://own.miami/buildings/beach-haus-bal-harbour) | — | insufficient | 0 | — | — | — |
| [Beach Point Club](https://own.miami/buildings/beach-point-club) | — | insufficient | 0 | — | — | — |
| [Berkshire House](https://own.miami/buildings/berkshire-house) | — | insufficient | 1 | — | — | — |
| [Bijou Bay Harbor](https://own.miami/buildings/bijou-bay-harbor) | — | insufficient | 1 | 0% | — | — |
| [Island Place at Bay Harbor](https://own.miami/buildings/island-place-at-bay-harbor) | — | insufficient | 0 | — | — | — |
| [La Baia North](https://own.miami/buildings/la-baia-north) | — | insufficient | 0 | — | — | — |
| [La Mare Regency](https://own.miami/buildings/la-mare-regency) | — | insufficient | 0 | — | — | — |
| [Lanai](https://own.miami/buildings/lanai) | — | insufficient | 0 | 0% | — | — |
| [Le Jardin House](https://own.miami/buildings/le-jardin-house) | — | insufficient | 5 | 0% | — | — |
| [Le Nautique](https://own.miami/buildings/le-nautique) | — | insufficient | 0 | — | — | — |
| [Majestic Tower](https://own.miami/buildings/majestic-tower) | — | insufficient | 1 | 0% | — | — |
| [Monterey](https://own.miami/buildings/monterey) | — | insufficient | 0 | — | — | — |
| [Northern Star](https://own.miami/buildings/northern-star) | — | insufficient | 0 | — | — | — |
| [Surf Row](https://own.miami/buildings/surf-row) | — | insufficient | 0 | — | — | — |
| [The Well Bay Harbor Islands](https://own.miami/buildings/the-well-bay-harbor-islands) | — | insufficient | 0 | — | — | — |
| [Whitehall At Bal Harbour](https://own.miami/buildings/whitehall-at-bal-harbour) | — | insufficient | 0 | 0% | — | — |

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Source: Own.Miami — https://own.miami · data as of 2026-10-15
Canonical page: https://own.miami/bal-harbour-surfside/financeability
License: CC BY 4.0 — https://creativecommons.org/licenses/by/4.0/
Methodology: https://own.miami/methodology · For AI assistants: https://own.miami/for-ai