Sunny Isles 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
78 / 82
Average index
41
Financeable buildings
25
Bank loans recorded, 12 months
308
Lowest down payment seen
3%
Financeability Index
| Building | Reading | Loans (12 mo) | Sales financed | Avg. down | Lowest down |
|---|---|---|---|---|---|
| Porto Bellagio | 85Readily financeable | 10 / 10 | 56% | 30.2% | 10% |
| The Harbour North | 78Readily financeable | 9 / 11 | 41% | 31.2% | 5% |
| Marina Palms North | 77Readily financeable | 10 / 14 | 50% | 25.9% | 10% |
| Sayan | 68Financeable | 3 / 3 | 60% | 28.9% | 20% |
| Acqualina Resort & Residences | 66Financeable | 9 / 12 | 45% | 34% | 20% |
| Arlen House East | 66Financeable | 12 / 17 | 23% | 23.6% | 5% |
| The Reserve at Marina Palms | 66Financeable | 8 / 9 | 39% | 33.8% | 20% |
| Trump Royale | 64Financeable | 9 / 11 | 38% | 33.3% | 15% |
| Oceanview Building B | 63Financeable | 6 / 7 | 28% | 30.9% | 3% |
| The Estates at Acqualina – Via Acqualina | 63Financeable | 6 / 8 | 44% | 40.3% | 20% |
| Les Pelicans | 62Financeable | 2 / 2 | 50% | 41.9% | 24.9% |
| Ocean Three | 62Financeable | 5 / 6 | 33% | 30.3% | 20% |
| 400 Sunny Isles West | 61Financeable | 7 / 7 | 35% | 29.1% | 10% |
| Trump Tower IIVA | 61Financeable | 3 / 8 | 10% | 25.9% | 20% |
| Jade Ocean | 58Financeable | 3 / 4 | 27% | 32.3% | 10.2% |
| Aurora | 57Financeable | 3 / 4 | 29%incl. 1 developer closings | 32.6% | 20% |
| Ocean One | 57Financeable | 4 / 5 | 43% | 26% | 20% |
| Oceania III | 57Financeable | 4 / 4 | 29% | 33.3% | 20% |
| Arlen House 300 | 56Financeable | 8 / 12 | 24% | 29.2% | 20% |
| Ocean Two | 56Financeable | 6 / 8 | 33% | 38.4% | 20% |
| Oceania II | 55Financeable | 4 / 5 | 27% | 34.3% | 20% |
| Sole on the Ocean | 55Financeable | 5 / 7 | 29% | 32.2% | 20% |
| La Perla | 54Financeable | 3 / 4 | 22% | 29.7% | 22.4% |
| Golden Bay Club | 52Financeable | 2 / 2 | — | — | — |
| Winston Towers 200 | 52Financeable | 10 / 10 | 41% | 35.1% | 25% |
| The Residences by Armani/Casa | 49Limited financing | 6 / 9 | 21% | 29.9% | 20% |
| Winston Towers 700 | 48Limited financing | 6 / 6 | 36% | 38.3% | 25% |
| Bay Country Club | 47Limited financing | 1 / 2 | 33% | 25% | 25% |
| Oceanview Building A | 46Limited financing | 2 / 9 | 14% | 37.9% | 20% |
| Orchid Bay | 45Limited financing | 1 / 1 | — | — | — |
| Oceania I | 44Limited financing | 1 / 1 | 25% | 36.3% | 25% |
| Trump Tower III | 44Limited financing | 8 / 11 | 31% | 37.4% | 25% |
| Oceania IV | 43Limited financing | 4 / 8 | 44% | 38.8% | 30% |
| Pelican Landing | 43Limited financing | 3 / 3 | 67% | — | — |
| Porsche Design Tower | 43Limited financing | 8 / 10 | 36% | 31.6% | 30% |
| Towne Royale | 43Limited financing | 1 / 1 | — | — | — |
| Winston Towers 300 | 43Limited financing | 5 / 6 | 24% | 39.7% | 25% |
| Winston Towers 100 | 42Limited financing | 4 / 4 | 21% | 28.3% | 25% |
| Trump Tower I | 41Limited financing | 8 / 11 | 33% | 42.5% | 30% |
| Turnberry Ocean Club | 40Limited financing | 5 / 7 | 30% | 38.7% | 26.3% |
| Marenas Beach Resort | 39Limited financing | 2 / 3 | — | — | — |
| Winston Towers 400 | 39Limited financing | 4 / 8 | 11% | 30.3% | 25% |
| Sands Pointe | 38Limited financing | 3 / 3 | 50% | 37.5% | 30% |
| Jade Beach | 37Limited financing | 6 / 6 | 33% | 30.2% | 30% |
| Winston Towers 600 | 35Limited financing | 3 / 5 | 14% | 48.6% | 25% |
| St Tropez on the Bay Tower III | 34Limited financing | 3 / 3 | 25% | — | — |
| The Ritz-Carlton Residences | 34Limited financing | 7 / 9 | 27% | 42.9% | 30% |
| Winston Towers 500 | 34Limited financing | 3 / 5 | 9% | 25% | 25% |
| Bay House Tower | 33Limited financing | 1 / 1 | — | — | — |
| Beach Club Villas | 33Limited financing | 2 / 2 | — | — | — |
| Florida Ocean Club | 33Limited financing | 1 / 1 | — | — | — |
| The Pinnacle | 33Limited financing | 2 / 3 | 9% | 42.6% | 25% |
| Ocean Four | 30Limited financing | 4 / 5 | 33% | 47.9% | 30% |
| Eden Point South | 29Mostly cash | 1 / 2 | — | — | — |
| Le Montcalm | 29Mostly cash | 2 / 2 | — | — | — |
| Ocean Point Beach Club | 29Mostly cash | 2 / 2 | 22% | 42.2% | 30% |
| Parque Towers | 29Mostly cash | 14 / 16 | 14% | 41.2% | 30% |
| St Tropez on the Bay Tower I | 29Mostly cash | 6 / 6 | 40% | — | — |
| Trump Palace | 29Mostly cash | 2 / 5 | 17% | — | — |
| Marina Bay Club | 28Mostly cash | 1 / 1 | — | — | — |
| Arlen House West | 26Mostly cash | 2 / 4 | 0% | — | — |
| Millennium | 25Mostly cash | 1 / 2 | — | — | — |
| The Estates at Acqualina – Casa Acqualina | 25Mostly cash | 4 / 5 | 33%incl. 1 developer closings | — | — |
| King David | 24Mostly cash | 1 / 1 | — | — | — |
| Regalia | 23Mostly cash | 1 / 2 | 33% | — | — |
| Ocean Reserve | 21Mostly cash | 4 / 8 | 10% | 36.5% | 35% |
| Fairview House | 20Mostly cash | 1 / 1 | 25% | — | — |
| St Tropez on the Bay Tower II | 20Mostly cash | 3 / 3 | 0% | — | — |
| Le Frontenac | 19Mostly cash | 1 / 5 | 17% | — | — |
| Trump International Beach Resort | 18Mostly cash | 1 / 2 | 0% | — | — |
| Jade Signature | 17Mostly cash | 3 / 4 | 0% | — | — |
| Chateau Beach | 16Mostly cash | 2 / 3 | 17% | — | — |
| Eden Point North | 16Mostly cash | 0 / 0 | — | — | — |
| Le Maisonneuve | 16Mostly cash | 0 / 0 | 0% | — | — |
| Oceania V | 16Mostly cash | 0 / 2 | — | — | — |
| Turnberry Ocean Colony | 16Mostly cash | 0 / 0 | — | — | — |
| Mansions At Acqualina | 15Mostly cash | 0 / 0 | 0% | — | — |
| Muse | 15Mostly cash | 1 / 2 | 17% | — | — |
| Coastal Towers | Not enough recorded loans | 0 / 0 | — | — | — |
| Intracoastal Point | Not enough recorded loans | 0 / 0 | — | — | — |
| Le Laurier | Not enough recorded loans | 0 / 0 | — | — | — |
| Poinciana Island Yacht & Racquet Club | 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