# Edgewater condo financeability — which buildings banks finance

As of 2026-10-15, 37 Edgewater condo buildings have a Financeability Index; 31 are readily financeable, the lowest down payment a regulated lender accepted is 3%, from 359 recorded mortgages (average index 68).

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 |
|---|---|---|---|---|---|---|
| [1800 Biscayne Plaza](https://own.miami/buildings/1800-biscayne-plaza) | 90 | strong | 11 | 60% | 3% | — |
| [Canvas](https://own.miami/buildings/canvas) | 90 | strong | 24 | 68% | 3% | — |
| [The Crimson](https://own.miami/buildings/the-crimson) | 90 | strong | 6 | 67% | 5% | — |
| [1800 Club](https://own.miami/buildings/1800-club) | 89 | strong | 23 | 65% | 5% | — |
| [Cité on the Bay](https://own.miami/buildings/cite-on-the-bay) | 89 | strong | 13 | 69% | 5% | — |
| [New Wave](https://own.miami/buildings/new-wave) | 87 | strong | 8 | 100% | 10% | — |
| [City 24](https://own.miami/buildings/city-24) | 83 | strong | 5 | 83% | 8.6% | — |
| [Blue on the Bay](https://own.miami/buildings/blue-on-the-bay) | 82 | strong | 11 | 50% | 10% | — |
| [Charter Club](https://own.miami/buildings/charter-club) | 82 | strong | 8 | 45% | 20% | VA |
| [Gran Paraiso](https://own.miami/buildings/gran-paraiso) | 82 | strong | 14 | 47% | 5% | — |
| [Paraiso Bay](https://own.miami/buildings/paraiso-bay) | 80 | strong | 8 | 36% | 5% | — |
| [Paraiso Bayviews](https://own.miami/buildings/paraiso-bayviews) | 80 | strong | 18 | 55% | 10% | — |
| [Bay House](https://own.miami/buildings/bay-house) | 78 | strong | 14 | 55% | 15% | — |
| [Onyx On The Bay](https://own.miami/buildings/onyx-on-the-bay) | 77 | strong | 10 | 40% | 3% | — |
| [Paramount Bay](https://own.miami/buildings/paramount-bay) | 76 | strong | 25 | 67% | 20% | — |
| [One Paraiso](https://own.miami/buildings/one-paraiso) | 74 | good | 14 | 45% | 5% | — |
| [Aria Reserve](https://own.miami/buildings/aria-reserve) | 72 | good | 47 | 33% | 10% | — |
| [Aria on the Bay](https://own.miami/buildings/aria-on-the-bay) | 72 | good | 37 | 40% | 5.4% | — |
| [Cité](https://own.miami/buildings/cite) | 72 | good | 8 | 45% | 10% | — |
| [Icon Bay](https://own.miami/buildings/icon-bay) | 72 | good | 12 | 35% | 10% | — |
| [Quantum on the Bay](https://own.miami/buildings/quantum-on-the-bay) | 71 | good | 22 | 36% | 10% | — |
| [Uptown Lofts](https://own.miami/buildings/uptown-lofts) | 70 | good | 3 | 60% | 10% | — |
| [Opera Tower](https://own.miami/buildings/opera-tower) | 69 | good | 21 | 35% | 10% | — |
| [Star Lofts on the Bay](https://own.miami/buildings/star-lofts-on-the-bay) | 69 | good | 2 | 67% | 5% | — |
| [Baylofts](https://own.miami/buildings/baylofts) | 68 | good | 0 | — | 5% | — |
| [23 Biscayne Bay](https://own.miami/buildings/23-biscayne-bay) | 63 | good | 3 | — | 20% | — |
| [Elysee](https://own.miami/buildings/elysee) | 63 | good | 12 | 60% | 20% | — |
| [Missoni Baia](https://own.miami/buildings/missoni-baia) | 61 | good | 13 | 23% | 20% | — |
| [Biscayne Beach](https://own.miami/buildings/biscayne-beach) | 59 | good | 9 | 21% | 15% | — |
| [Gallery Art](https://own.miami/buildings/gallery-art) | 57 | good | 3 | 60% | 23.8% | — |
| [The Yorker](https://own.miami/buildings/the-yorker) | 51 | good | 3 | — | — | — |
| [Emilia](https://own.miami/buildings/emilia) | 47 | limited | 1 | — | 25% | — |
| [Bayview Tower](https://own.miami/buildings/bayview-tower) | 45 | limited | 1 | — | — | — |
| [Platinum](https://own.miami/buildings/platinum) | 37 | limited | 2 | 25% | — | — |
| [The Grand](https://own.miami/buildings/the-grand) | 31 | limited | 8 | 6% | 25% | — |
| [Parc Lofts](https://own.miami/buildings/parc-lofts) | 28 | cash | 2 | 0% | — | VA |
| [Wynwood Lofts](https://own.miami/buildings/wynwood-lofts) | 22 | cash | 0 | — | — | — |
| [321 NE 26th St](https://own.miami/buildings/321-ne-26th-st) | — | insufficient | 1 | 0% | — | — |
| [Bay Park Towers](https://own.miami/buildings/bay-park-towers) | — | insufficient | 1 | 0% | — | — |

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Source: Own.Miami — https://own.miami · data as of 2026-10-15
Canonical page: https://own.miami/edgewater/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