Midtown 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 |
|---|---|---|---|---|---|
| Four MidtownVA | 99Readily financeable | 16 / 17 | 58% | 26.5% | 5% |
| Midtown 2 | 76Readily financeable | 17 / 21 | 40% | 28.1% | 0% |
| Hyde Midtown | 70Financeable | 16 / 22 | 48% | 33.8% | 20% |
| Quadro | 70Financeable | 8 / 10 | 57% | 30.2% | 10% |
| NoMad Residences Wynwood | 65Financeable | 108 / 143 | 33%incl. 274 developer closings | 37.3% | 15% |
| Midblock | 62Financeable | 4 / 5 | 27% | 31.5% | 20% |
| One Bay | 57Financeable | 3 / 4 | 50% | — | — |
| Baltus House | 55Financeable | 5 / 6 | 22% | — | — |
| The Standard Residences Midtown | 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