Mid-Beach & North Beach 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.
Buildings read
87 / 97
Average index
41
Financeable buildings
27
Bank loans recorded, 12 months
267
Lowest down payment seen
3%
Financeability Index
| Building | Reading | Loans (12 mo) | Sales financed | Avg. down | Lowest down |
|---|---|---|---|---|---|
| Terra Beachside | 79Readily financeable | 6 / 6 | 67% | 25.4% | 17.3% |
| Ocean Blue | 78Readily financeable | 4 / 5 | 50% | 29.2% | 12.1% |
| Grandview | 75Readily financeable | 5 / 5 | 56% | 29.3% | 20% |
| Ocean Park | 75Readily financeable | 5 / 5 | 83% | 27.6% | 20% |
| Stanton House | 74Financeable | 5 / 6 | 33% | 21.5% | 3% |
| Carriage House | 72Financeable | 7 / 13 | 33% | 34.1% | 10% |
| The Ritz-Carlton Residences, Miami Beach | 72Financeable | 9 / 10 | 45% | 34.5% | 20% |
| Triton Tower | 71Financeable | 11 / 11 | 33% | 27.2% | 10% |
| Rond Point | 70Financeable | 3 / 3 | 67% | — | — |
| 72 Park | 69Financeable | 13 / 21 | 58%incl. 8 developer closings | 36.1% | 20% |
| Regatta at Indian Creek | 69Financeable | 3 / 3 | 75% | 22.7% | 20% |
| Arlen Beach | 67Financeable | 2 / 2 | 40% | 35.6% | 15% |
| La Gorce Palace | 64Financeable | 10 / 12 | 43% | 28% | 20% |
| Sterling | 63Financeable | 1 / 1 | 33% | 26.8% | 10% |
| Carriage Club North | 62Financeable | 7 / 10 | 28% | 21.9% | 8.3% |
| Akoya | 59Financeable | 9 / 10 | 36% | 33.1% | 20% |
| Burleigh House | 57Financeable | 5 / 5 | 20% | 27.9% | 10% |
| Fifty Six-Sixty Collins | 57Financeable | 5 / 6 | 23% | 23% | 8.2% |
| Maison Grande | 56Financeable | 5 / 9 | 8% | 29.4% | 15% |
| Nautica | 55Financeable | 2 / 2 | 33% | 31.7% | 25% |
| Spear at Aqua | 55Financeable | 2 / 2 | 20% | 24.4% | 20% |
| The Collins | 55Financeable | 6 / 6 | 63% | 29% | 25% |
| 57 Ocean | 54Financeable | 3 / 3 | 25% | — | — |
| Peloro | 53Financeable | 6 / 6 | 44% | 29.2% | 25% |
| Parkview Point | 52Financeable | 2 / 2 | 25% | 18.3% | 15% |
| 6305 Indian Creek | 50Financeable | 4 / 6 | — | — | — |
| Green Diamond | 50Financeable | 4 / 6 | 29% | 26.9% | 20% |
| Carillon Central Tower | 49Limited financing | 14 / 14 | 48% | 33% | 30% |
| The Ashley | 48Limited financing | 2 / 5 | 25% | — | — |
| L'Excellence | 47Limited financing | 1 / 3 | 20% | — | — |
| Mar Del Plata | 47Limited financing | 2 / 5 | 40% | 25.7% | 20% |
| Byron Bay | 46Limited financing | 1 / 1 | — | — | — |
| Regency | 46Limited financing | 2 / 2 | 50% | — | — |
| Royal Embassy | 46Limited financing | 1 / 1 | — | — | — |
| Seacoast 5151 | 46Limited financing | 3 / 5 | 8% | 31% | 20% |
| Fontainebleau Trésor | 45Limited financing | 10 / 19 | 29% | 34.7% | 25% |
| 5600 Condominium | 44Limited financing | 2 / 2 | 14% | 39.9% | 20% |
| The Bath Club Residences | 43Limited financing | 4 / 4 | 25% | 45% | 25% |
| Aquasol | 42Limited financing | 5 / 8 | 20% | 29.2% | 25% |
| Vendome Place | 41Limited financing | 1 / 2 | — | — | — |
| Crystal House | 40Limited financing | 2 / 2 | 0% | 26.7% | 25% |
| MEI Miami Beach | 40Limited financing | 3 / 5 | 0% | — | — |
| Vilasol | 40Limited financing | 0 / 0 | — | — | — |
| Capobella | 38Limited financing | 2 / 2 | 50% | — | — |
| Imperial House | 38Limited financing | 1 / 2 | 17% | — | — |
| Abbott Gardens | 37Limited financing | 2 / 2 | — | — | — |
| Cosabella On The Bay | 37Limited financing | 3 / 4 | 0% | — | — |
| Towerhouse | 37Limited financing | 2 / 3 | 40% | — | — |
| King Cole | 35Limited financing | 4 / 6 | 16% | 30.3% | 25% |
| 6000 Indian Creek Dr | 33Limited financing | 1 / 1 | — | — | — |
| Altos del Mar | 33Limited financing | 2 / 2 | — | — | — |
| Chatham At Aqua | 33Limited financing | 1 / 1 | — | — | — |
| Corinthian | 33Limited financing | 2 / 5 | 20% | — | — |
| Gorlin at Aqua | 33Limited financing | 1 / 1 | — | — | — |
| Mimosa | 33Limited financing | 1 / 2 | 10% | 42.5% | 25% |
| The Alexander | 33Limited financing | 4 / 9 | 38% | 47.4% | 30% |
| The Pavilion | 33Limited financing | 5 / 8 | 17% | 37.5% | 30% |
| Villa Di Mare | 33Limited financing | 2 / 2 | — | — | — |
| Colonnade Bay | 31Limited financing | 0 / 0 | — | — | — |
| Monaco Yacht Club & Residences | 30Limited financing | 1 / 1 | — | — | — |
| Carriage Club South | 29Mostly cash | 3 / 3 | 20% | — | — |
| Edition Residences | 29Mostly cash | 1 / 1 | — | — | — |
| Oceanside Plaza | 29Mostly cash | 3 / 5 | 12% | 30% | 30% |
| Tower Forty One | 28Mostly cash | 1 / 1 | 5% | 28.3% | 25% |
| Florida Towers | 27Mostly cash | 0 / 0 | — | — | — |
| Le Trianon | 27Mostly cash | 0 / 1 | — | — | — |
| Massada | 27Mostly cash | 0 / 0 | — | — | — |
| Bel-Aire on the Ocean | 26Mostly cash | 2 / 3 | 0% | — | — |
| Eden House | 26Mostly cash | 1 / 2 | 17% | — | — |
| Eighty Seven Park | 26Mostly cash | 4 / 4 | 20% | — | — |
| L'Atelier | 26Mostly cash | 1 / 2 | — | — | — |
| Kim Aimee | 25Mostly cash | 0 / 0 | — | — | — |
| Beach House 8 | 24Mostly cash | 1 / 1 | — | — | — |
| La Rive Gauche | 23Mostly cash | 0 / 0 | — | — | — |
| Carillon North Tower | 21Mostly cash | 2 / 3 | 0% | — | — |
| Fontainebleau Sorrento | 21Mostly cash | 6 / 9 | 0% | — | — |
| Seacoast 5700 | 20Mostly cash | 1 / 1 | 17% | — | — |
| La Tour | 19Mostly cash | 1 / 1 | 25% | — | — |
| St. Tropez | 19Mostly cash | 2 / 2 | 17% | — | — |
| Faena House | 18Mostly cash | 0 / 0 | 0% | — | — |
| Galeria | 18Mostly cash | 0 / 0 | — | — | — |
| Portugal Towers | 18Mostly cash | 1 / 1 | 0% | — | — |
| Clearview Towers | 16Mostly cash | 2 / 2 | 0% | — | — |
| Blue Diamond | 15Mostly cash | 2 / 2 | 10% | — | — |
| Casablanca | 12Mostly cash | 0 / 0 | 0% | — | — |
| Castle Beach Club | 12Mostly cash | 2 / 6 | 11% | — | — |
| Caribbean | 9Mostly cash | 0 / 1 | 0% | — | — |
| 1795 Calais Dr | Not enough recorded loans | 0 / 0 | — | — | — |
| Bay Plaza | Not enough recorded loans | 0 / 0 | — | — | — |
| Ella Miami Beach | Not enough recorded loans | 0 / 0 | — | — | — |
| King David Towers | Not enough recorded loans | 0 / 1 | — | — | — |
| Mosaic | Not enough recorded loans | 0 / 1 | 0% | — | — |
| Ocean 36 South | Not enough recorded loans | 0 / 0 | — | — | — |
| Pinetree Manor | Not enough recorded loans | 0 / 0 | — | — | — |
| The Executive | Not enough recorded loans | 0 / 0 | — | — | — |
| The Perigon Miami Beach | Not enough recorded loans | 0 / 0 | — | — | — |
| Vilamur | 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