South 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
107 / 138
Average index
44
Financeable buildings
42
Bank loans recorded, 12 months
365
Lowest down payment seen
0%
Financeability Index
| Building | Reading | Loans (12 mo) | Sales financed | Avg. down | Lowest down |
|---|---|---|---|---|---|
| Mirador 1200VA | 87Readily financeable | 13 / 14 | 39% | 20.7% | 0% |
| The CosmopolitanFHA | 87Readily financeable | 6 / 7 | 44% | 23.8% | 5% |
| Lincoln Towers | 86Readily financeable | 4 / 4 | 75% | 21.7% | 3.3% |
| Belle Isle | 76Readily financeable | 9 / 9 | 44% | 30.5% | 14.6% |
| Costa Brava | 75Readily financeable | 4 / 4 | 57% | 28.7% | 10% |
| Bayview Plaza | 72Financeable | 4 / 4 | 50% | 36% | 20% |
| Mirador 1000 | 71Financeable | 14 / 16 | 38% | 26% | 5% |
| Royal Club | 71Financeable | 6 / 6 | 71% | 28.1% | 22.4% |
| The Waverly at South Beach | 69Financeable | 5 / 7 | 31% | 36.2% | 3.1% |
| Bayview | 68Financeable | 3 / 3 | 50% | 20% | 10% |
| Sails | 68Financeable | 3 / 4 | 67% | 25% | 20% |
| Bayview Terrace | 67Financeable | 5 / 5 | 50% | 25% | 20% |
| The Floridian | 67Financeable | 14 / 17 | 45% | 38.6% | 20% |
| Yacht Club At Portofino | 67Financeable | 9 / 9 | 35% | 31.9% | 5.3% |
| Townhomes At Sunset Harbour | 65Financeable | 4 / 4 | 38% | 41.2% | 20% |
| Nine Island Avenue | 63Financeable | 12 / 13 | 33% | 38.5% | 20% |
| Belle Plaza | 62Financeable | 5 / 5 | 33% | 36.3% | 20% |
| Five Park | 62Financeable | 14 / 16 | 31%incl. 25 developer closings | 32% | 10.1% |
| Portofino Tower | 62Financeable | 10 / 12 | 38% | 37.5% | 15% |
| Golden West | 61Financeable | 4 / 4 | 75% | 23.5% | 20.4% |
| Tower 1800 | 61Financeable | 3 / 3 | 25% | 25.1% | 10.3% |
| Barbizon Beach Club | 60Financeable | 4 / 7 | 43% | 28% | 20% |
| Ibiza | 56Financeable | 1 / 1 | — | — | — |
| Monad Terrace | 56Financeable | 4 / 5 | 38% | 27.8% | 15% |
| Royal Atlantic | 56Financeable | 3 / 3 | 33% | 27.2% | 20% |
| 300 Collins | 55Financeable | 1 / 1 | — | 38.8% | 25% |
| The Grand Venetian | 55Financeable | 5 / 6 | 33% | 35.9% | 20% |
| The Montclair | 55Financeable | 1 / 2 | 25% | — | — |
| Collins Manor | 54Financeable | 1 / 1 | — | — | — |
| South Bay Club | 54Financeable | 10 / 11 | 36% | 28.2% | 20% |
| 1 Hotel & Homes South Beach | 53Financeable | 8 / 13 | 24% | 29.5% | 20% |
| Roney Palace | 53Financeable | 5 / 10 | 12% | 29% | 17.2% |
| Artepark North | 52Financeable | 1 / 1 | 25% | 26.7% | 15% |
| Casa Grande | 52Financeable | 1 / 1 | — | — | — |
| Murano Grande | 52Financeable | 6 / 6 | 9% | 34.6% | 15% |
| South Pointe Towers | 51Financeable | 9 / 9 | 35% | 33.5% | 20.2% |
| Sunset Harbour South | 51Financeable | 5 / 7 | 15% | 36.9% | 20% |
| Club Atlantis | 50Financeable | 7 / 9 | 27% | 35% | 25% |
| ICON South Beach | 50Financeable | 10 / 11 | 19% | 47.7% | 20% |
| Meridian Place | 50Financeable | 3 / 3 | — | — | — |
| The Meridian | 50Financeable | 9 / 11 | 27% | 36.3% | 21.5% |
| The Presidential | 50Financeable | 2 / 2 | 8% | 21% | 15% |
| Artepark South | 49Limited financing | 2 / 5 | 50% | — | — |
| Mirasol Ocean Towers | 49Limited financing | 3 / 4 | 20% | 27.5% | 20% |
| The Decoplage | 49Limited financing | 11 / 13 | 19% | 34.9% | 20% |
| EmpireVA | 48Limited financing | 2 / 2 | 33% | — | — |
| Lincoln Bay Towers | 48Limited financing | 1 / 2 | 20% | 28.3% | 20% |
| The Georgian | 48Limited financing | 3 / 7 | 30% | 28% | 25% |
| Continuum On South Beach | 47Limited financing | 5 / 9 | 18% | 24.4% | 20% |
| East Atlantic Gardens | 47Limited financing | 1 / 2 | 33% | — | — |
| The Carlyle | 47Limited financing | 2 / 2 | 33% | — | — |
| Capomar | 46Limited financing | 2 / 2 | — | — | — |
| Ocean Park Inn | 46Limited financing | 1 / 1 | — | — | — |
| The Courts at South Beach | 46Limited financing | 1 / 1 | 0% | 24.6% | 20% |
| Riva | 45Limited financing | 1 / 1 | — | — | — |
| Parc Plaza | 44Limited financing | 1 / 3 | — | — | — |
| Royal Palm Villas | 43Limited financing | 2 / 2 | — | — | — |
| Capri South Beach | 42Limited financing | 4 / 4 | 67% | — | — |
| Murano At Portofino | 42Limited financing | 2 / 2 | 0% | 31.1% | 20% |
| One Thousand Venetian Way | 41Limited financing | 2 / 3 | 33% | 30.8% | 22.8% |
| Palm Residences | 39Limited financing | 0 / 0 | — | — | — |
| Danton | 38Limited financing | 1 / 1 | 33% | — | — |
| Beachway | 37Limited financing | 1 / 1 | — | — | — |
| Michigan Place | 37Limited financing | 2 / 2 | — | — | — |
| The Bentley Bay | 37Limited financing | 12 / 29 | 29% | 30.6% | 25.4% |
| Villa Veneto | 37Limited financing | 1 / 1 | — | — | — |
| West Bay Plaza | 34Limited financing | 4 / 4 | — | — | — |
| Armitage Place | 33Limited financing | 1 / 1 | — | — | — |
| Laser | 33Limited financing | 1 / 1 | — | — | — |
| Penn Star | 33Limited financing | 1 / 1 | — | — | — |
| Marea | 32Limited financing | 0 / 0 | — | — | — |
| Ocean Point | 32Limited financing | 3 / 4 | 23% | 31.5% | 30% |
| Bayshore Terrace | 31Limited financing | 2 / 3 | 33% | 50.4% | 35% |
| Collins Vista | 31Limited financing | 1 / 1 | — | — | — |
| The Dorilton | 31Limited financing | 0 / 0 | — | — | — |
| Ocean House | 30Limited financing | 1 / 1 | — | — | — |
| Octagon Towers I | 30Limited financing | 1 / 1 | — | — | — |
| W South Beach | 30Limited financing | 2 / 2 | 6% | 31.8% | 25% |
| Euclid 600 | 29Mostly cash | 1 / 1 | — | — | — |
| Lincoln Palace | 29Mostly cash | 1 / 1 | — | — | — |
| Metropolis South Beach | 29Mostly cash | 2 / 2 | — | — | — |
| Nine45 | 29Mostly cash | 1 / 1 | — | — | — |
| Sunset Harbour North | 29Mostly cash | 5 / 6 | 20% | 31.4% | 27.9% |
| The Setai | 29Mostly cash | 3 / 7 | 0% | 35% | 30% |
| Riviera | 28Mostly cash | 3 / 3 | 20% | — | — |
| Ten30 South BeachVA | 28Mostly cash | 1 / 1 | — | — | — |
| The Vistas | 28Mostly cash | 1 / 2 | 33% | — | — |
| Collins View | 27Mostly cash | 0 / 1 | — | — | — |
| Lincoln West Gardens | 27Mostly cash | 0 / 0 | — | — | — |
| Lincoln West Towers | 27Mostly cash | 0 / 0 | — | — | — |
| Magnolia | 27Mostly cash | 0 / 0 | — | — | — |
| Lenox Villas | 24Mostly cash | 1 / 1 | — | — | — |
| Ocean Lakeview | 24Mostly cash | 1 / 1 | — | — | — |
| Sage on Lenox | 24Mostly cash | 1 / 1 | — | — | — |
| The Strand on Ocean Drive | 23Mostly cash | 5 / 6 | 0% | — | — |
| Villa Lucca | 23Mostly cash | 0 / 0 | — | — | — |
| Apogee | 22Mostly cash | 4 / 4 | 17% | — | — |
| Bentley Beach | 21Mostly cash | 1 / 1 | 17% | — | — |
| Island Club of South Beach | 20Mostly cash | 0 / 1 | — | — | — |
| Palau Sunset Harbour | 20Mostly cash | 1 / 1 | 14% | — | — |
| 1500 Ocean Drive | 18Mostly cash | 1 / 1 | 0% | — | — |
| Flamingo South Beach | 18Mostly cash | 2 / 3 | 2% | 39.4% | 26.2% |
| One Ocean | 17Mostly cash | 1 / 2 | 25% | — | — |
| Belle Towers | 16Mostly cash | 0 / 0 | 0% | — | — |
| Island Terrace | 16Mostly cash | 1 / 2 | 25% | — | — |
| Ocean Place | 14Mostly cash | 0 / 0 | 0% | — | — |
| Oceanfront Plaza | 14Mostly cash | 1 / 1 | 0% | — | — |
| 1100 West (Mondrian South Beach) | Not enough recorded loans | 0 / 3 | 0% | — | — |
| 1446 Lenox | Not enough recorded loans | 0 / 0 | — | — | — |
| 2020 Lofts | Not enough recorded loans | 0 / 0 | — | — | — |
| 321 Ocean Dr | Not enough recorded loans | 0 / 0 | 0% | — | — |
| 350 Meridian Ave | Not enough recorded loans | 0 / 0 | — | — | — |
| 734 Michigan | Not enough recorded loans | 0 / 0 | — | — | — |
| 918 Ocean Dr | Not enough recorded loans | 0 / 0 | — | — | — |
| Absolut | Not enough recorded loans | 0 / 1 | — | — | — |
| Armitage Place No. 3 | Not enough recorded loans | 0 / 0 | — | — | — |
| Bali | Not enough recorded loans | 0 / 0 | — | — | — |
| Bay Garden Manor | Not enough recorded loans | 0 / 0 | 0% | — | — |
| Bonne Vie | Not enough recorded loans | 0 / 0 | — | — | — |
| Boulan South Beach | Not enough recorded loans | 0 / 0 | — | — | — |
| Drake | Not enough recorded loans | 0 / 3 | 0% | — | — |
| Flats Off Lincoln | Not enough recorded loans | 0 / 0 | — | — | — |
| Il Villaggio | Not enough recorded loans | 0 / 0 | 0% | — | — |
| Jasmine | Not enough recorded loans | 0 / 1 | — | — | — |
| Meridian 5 | Not enough recorded loans | 0 / 0 | — | — | — |
| Norma | Not enough recorded loans | 0 / 0 | — | — | — |
| Ocean Five | Not enough recorded loans | 0 / 0 | 0% | — | — |
| Ocean Park South Beach | Not enough recorded loans | 0 / 2 | — | — | — |
| Palm Garden | Not enough recorded loans | 0 / 0 | — | — | — |
| Park Villas | Not enough recorded loans | 0 / 0 | — | — | — |
| Riviera Arms | Not enough recorded loans | 0 / 1 | — | — | — |
| San Remo of South Beach | Not enough recorded loans | 0 / 0 | — | — | — |
| Southern Star | Not enough recorded loans | 0 / 0 | — | — | — |
| The Manhattan Lofts | Not enough recorded loans | 0 / 0 | — | — | — |
| The Netherland | Not enough recorded loans | 0 / 0 | — | — | — |
| The Terrace | Not enough recorded loans | 0 / 0 | — | — | — |
| Villa Sofia | Not enough recorded loans | 0 / 0 | — | — | — |
| Yuba | 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