Downtown condo financeability
Which buildings the banks are lending on, at what down payment. Read from recorded mortgages in the public record — counts and shares only, never individual loans.
Financeability Index
| Building | Reading | Loans (12 mo) | Sales financed | Avg. down | Lowest down |
|---|---|---|---|---|---|
| CentroVA | 96Readily financeable | 15 / 20 | 50% | 29.8% | 10% |
| Mint at RiverfrontVA | 92Readily financeable | 18 / 21 | 50% | 27.1% | 10% |
| Loft Downtown II | 90Readily financeable | 16 / 19 | 63% | 19.2% | 5% |
| Vizcayne | 86Readily financeable | 13 / 15 | 43% | 23.2% | 5% |
| Ivy at Riverfront | 83Readily financeable | 18 / 20 | 55% | 26.1% | 5% |
| Loft 1VA | 81Readily financeable | 2 / 2 | 33% | 23.4% | 9.3% |
| 50 Biscayne | 80Readily financeable | 15 / 17 | 60% | 27.8% | 10% |
| Paramount Miami Worldcenter | 80Readily financeable | 17 / 23 | 38% | 34.7% | 3% |
| Marina Blue | 79Readily financeable | 11 / 14 | 35% | 28.8% | 5% |
| Ten Museum Park | 79Readily financeable | 6 / 10 | 36% | 24% | 5% |
| One Miami East | 77Readily financeable | 10 / 10 | 50% | 28.6% | 10% |
| Wind by Neo | 77Readily financeable | 8 / 10 | 39% | 28.7% | 7.8% |
| 900 Biscayne Bay | 76Readily financeable | 18 / 22 | 40% | 31.8% | 6% |
| One Miami West | 73Financeable | 12 / 16 | 46% | 31.9% | 12.6% |
| Neo Lofts | 71Financeable | 2 / 2 | 50% | 19% | 10% |
| E11EVEN Hotel & Residences | 67Financeable | 139 / 191 | 26%incl. 418 developer closings | 34.8% | 3.5% |
| District 225 | 64Financeable | 139 / 198 | 38%incl. 282 developer closings | 38.1% | 20% |
| Casa Bella Residences | 61Financeable | 65 / 82 | 34%incl. 188 developer closings | 40.7% | 20% |
| Marquis | 60Financeable | 8 / 12 | 38% | 26.6% | 20% |
| Met 1 | 60Financeable | 5 / 8 | 27% | 33.9% | 7% |
| Aston Martin Residences | 59Financeable | 16 / 54 | 13% | 26% | 5% |
| The Crosby | 57Financeable | 196 / 247 | 39%incl. 431 developer closings | 39.6% | 20.6% |
| The Elser | 55Financeable | 8 / 15 | 20%incl. 1 developer closings | 37.2% | 25% |
| 501 First Residences | 53Financeable | 165 / 201 | 33%incl. 442 developer closings | 44% | 25% |
| Yotel Pad | 37Limited financing | 2 / 7 | 13% | 35.8% | 25% |
| Natiivo Miami | 29Mostly cash | 1 / 2 | 0%incl. 3 developer closings | 39.2% | 30% |
| One Thousand Museum | 27Mostly cash | 2 / 3 | 13% | — | — |
| Epic Residences | Not enough recorded loans | 0 / 0 | — | — | — |
How we read it
A bank that writes a purchase mortgage at an ordinary down payment has just checked the building itself: reserves, insurance, litigation, owner-occupancy. The index (0–100) adds four parts: the share of recorded sales financed by regulated lenders over 24 months (up to 40), the lowest down payment one of them accepted (up to 35), lending in the last 12 months (up to 15) and FHA/VA programme approval (10). The absence of loans proves nothing — cash buildings are simply marked "not enough recorded loans" — so nothing here ever lowers a building's Health score.
Source: Miami-Dade County official records and the FHA/VA approval lists. Aggregates only; individual instruments are never shown. · As of 2026-10-15