# Key Biscayne condo financeability — which buildings banks finance

As of 2026-10-15, 38 Key Biscayne condo buildings have a Financeability Index; 12 are readily financeable, the lowest down payment a regulated lender accepted is 6%, from 98 recorded mortgages (average index 39).

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 |
|---|---|---|---|---|---|---|
| [Tidemark at Key Colony](https://own.miami/buildings/tidemark-at-key-colony) | 73 | good | 6 | 57% | 6% | — |
| [Galen Breakers](https://own.miami/buildings/galen-breakers) | 68 | good | 3 | 50% | 20% | — |
| [Mar Azul](https://own.miami/buildings/mar-azul) | 68 | good | 6 | 40% | 20% | — |
| [Key Colony Botanica](https://own.miami/buildings/key-colony-botanica) | 67 | good | 15 | 57% | 20% | — |
| [Key Colony Emerald Bay](https://own.miami/buildings/key-colony-emerald-bay) | 65 | good | 10 | 27% | 20% | — |
| [Key Biscayne VI](https://own.miami/buildings/key-biscayne-vi) | 64 | good | 8 | 60% | 20% | — |
| [Grapetree Townhouses](https://own.miami/buildings/grapetree-townhouses) | 58 | good | 2 | — | — | — |
| [Towers of Key Biscayne](https://own.miami/buildings/towers-of-key-biscayne) | 56 | good | 14 | 26% | 20% | — |
| [Key Colony Ocean Sound](https://own.miami/buildings/key-colony-ocean-sound) | 52 | good | 3 | 29% | 20% | — |
| [Ocean Club – Lake Villa Three](https://own.miami/buildings/ocean-club-lake-villa-three) | 52 | good | 0 | — | 20% | — |
| [Grand Bay Residences](https://own.miami/buildings/grand-bay-residences) | 51 | good | 5 | 67% | — | — |
| [Key Biscayne Ambassador](https://own.miami/buildings/key-biscayne-ambassador) | 51 | good | 4 | 67% | — | — |
| [Galen Drive West](https://own.miami/buildings/galen-drive-west) | 47 | limited | 1 | 33% | — | — |
| [Ocean Club – Resort Villa One](https://own.miami/buildings/ocean-club-resort-villa-one) | 45 | limited | 2 | 29% | — | — |
| [Ocean Club – Lake Tower](https://own.miami/buildings/ocean-club-lake-tower) | 44 | limited | 3 | 14% | — | — |
| [Ocean Club – Lake Villa One](https://own.miami/buildings/ocean-club-lake-villa-one) | 43 | limited | 5 | 40% | 47% | — |
| [Oceana Key Biscayne](https://own.miami/buildings/oceana-key-biscayne) | 38 | limited | 5 | 0% | 25% | — |
| [Ocean Club – Ocean Tower One](https://own.miami/buildings/ocean-club-ocean-tower-one) | 35 | limited | 5 | 0% | — | — |
| [Grand Bay Tower](https://own.miami/buildings/grand-bay-tower) | 33 | limited | 1 | — | — | — |
| [Le Phare](https://own.miami/buildings/le-phare) | 33 | limited | 1 | — | — | — |
| [Ocean Club – Club Tower One](https://own.miami/buildings/ocean-club-club-tower-one) | 33 | limited | 2 | 25% | — | — |
| [Ocean Drive Manors](https://own.miami/buildings/ocean-drive-manors) | 33 | limited | 1 | — | — | — |
| [Sunrise Club](https://own.miami/buildings/sunrise-club) | 30 | limited | 1 | — | — | — |
| [Galen Drive Condominium](https://own.miami/buildings/galen-drive-condominium) | 29 | cash | 1 | — | — | — |
| [Indies](https://own.miami/buildings/indies) | 29 | cash | 1 | — | — | — |
| [Ocean Club – Resort Villa Two](https://own.miami/buildings/ocean-club-resort-villa-two) | 29 | cash | 1 | 0% | — | — |
| [Cay Polynesia](https://own.miami/buildings/cay-polynesia) | 27 | cash | 0 | — | — | — |
| [Key Townhouse](https://own.miami/buildings/key-townhouse) | 27 | cash | 0 | — | — | — |
| [Ocean Club – Lake Villa Two](https://own.miami/buildings/ocean-club-lake-villa-two) | 26 | cash | 2 | — | — | — |
| [Palms of Key Biscayne](https://own.miami/buildings/palms-of-key-biscayne) | 25 | cash | 2 | — | — | — |
| [Grapetree Townhouse](https://own.miami/buildings/grapetree-townhouse) | 24 | cash | 1 | — | — | — |
| [Sands of Key Biscayne](https://own.miami/buildings/sands-of-key-biscayne) | 24 | cash | 1 | 25% | 31.7% | — |
| [Solimar of Key Biscayne](https://own.miami/buildings/solimar-of-key-biscayne) | 24 | cash | 5 | — | — | — |
| [Ocean Club – Club Tower Three](https://own.miami/buildings/ocean-club-club-tower-three) | 22 | cash | 1 | 0% | — | — |
| [Casa Del Mar](https://own.miami/buildings/casa-del-mar) | 18 | cash | 3 | 0% | — | — |
| [The Ritz-Carlton Key Biscayne](https://own.miami/buildings/the-ritz-carlton-key-biscayne) | 17 | cash | 5 | 10% | — | — |
| [Ocean Club – Club Tower Two](https://own.miami/buildings/ocean-club-club-tower-two) | 15 | cash | 2 | 13% | — | — |
| [Ocean Club – Ocean Tower Two](https://own.miami/buildings/ocean-club-ocean-tower-two) | 12 | cash | 1 | 0% | — | — |
| [Bahia Mar](https://own.miami/buildings/bahia-mar) | — | insufficient | 0 | — | — | — |
| [Cape Florida](https://own.miami/buildings/cape-florida) | — | insufficient | 0 | — | — | — |
| [Cape Florida Club I](https://own.miami/buildings/cape-florida-club-i) | — | insufficient | 0 | — | — | — |
| [Cape Florida Club II](https://own.miami/buildings/cape-florida-club-ii) | — | insufficient | 0 | — | — | — |
| [Commodore Club South](https://own.miami/buildings/commodore-club-south) | — | insufficient | 0 | — | — | — |
| [Commodore Club West](https://own.miami/buildings/commodore-club-west) | — | insufficient | 0 | — | — | — |
| [Crandon Tower](https://own.miami/buildings/crandon-tower) | — | insufficient | 0 | — | — | — |
| [Island Breakers](https://own.miami/buildings/island-breakers) | — | insufficient | 0 | — | — | — |
| [Key Biscayne One Hundred](https://own.miami/buildings/key-biscayne-one-hundred) | — | insufficient | 0 | — | — | — |
| [Key Cassa](https://own.miami/buildings/key-cassa) | — | insufficient | 0 | — | — | — |
| [Key Islander](https://own.miami/buildings/key-islander) | — | insufficient | 1 | — | — | — |
| [North Sunrise Inc](https://own.miami/buildings/north-sunrise-inc) | — | insufficient | 0 | — | — | — |
| [Ocean Lane Plaza](https://own.miami/buildings/ocean-lane-plaza) | — | insufficient | 0 | — | — | — |
| [Ocean Village](https://own.miami/buildings/ocean-village) | — | insufficient | 0 | — | — | — |
| [Sunrise Manor](https://own.miami/buildings/sunrise-manor) | — | insufficient | 0 | — | — | — |
| [The Pyramids](https://own.miami/buildings/the-pyramids) | — | insufficient | 0 | — | — | — |

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