# Sunny Isles Beach condo financeability — which buildings banks finance

As of 2026-10-15, 78 Sunny Isles Beach condo buildings have a Financeability Index; 25 are readily financeable, the lowest down payment a regulated lender accepted is 3%, from 308 recorded mortgages (average index 41).

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 |
|---|---|---|---|---|---|---|
| [Porto Bellagio](https://own.miami/buildings/porto-bellagio) | 85 | strong | 10 | 56% | 10% | — |
| [The Harbour North](https://own.miami/buildings/the-harbour-north) | 78 | strong | 11 | 41% | 5% | — |
| [Marina Palms North](https://own.miami/buildings/marina-palms-north) | 77 | strong | 14 | 50% | 10% | — |
| [Sayan](https://own.miami/buildings/sayan) | 68 | good | 3 | 60% | 20% | — |
| [Acqualina Resort & Residences](https://own.miami/buildings/acqualina-resort-and-residences) | 66 | good | 12 | 45% | 20% | — |
| [Arlen House East](https://own.miami/buildings/arlen-house-east) | 66 | good | 17 | 23% | 5% | — |
| [The Reserve at Marina Palms](https://own.miami/buildings/the-reserve-at-marina-palms) | 66 | good | 9 | 39% | 20% | — |
| [Trump Royale](https://own.miami/buildings/trump-royale) | 64 | good | 11 | 38% | 15% | — |
| [Oceanview Building B](https://own.miami/buildings/oceanview-building-b) | 63 | good | 7 | 28% | 3% | — |
| [The Estates at Acqualina – Via Acqualina](https://own.miami/buildings/via-acqualina) | 63 | good | 8 | 44% | 20% | — |
| [Les Pelicans](https://own.miami/buildings/les-pelicans) | 62 | good | 2 | 50% | 24.9% | — |
| [Ocean Three](https://own.miami/buildings/ocean-three) | 62 | good | 6 | 33% | 20% | — |
| [400 Sunny Isles West](https://own.miami/buildings/400-sunny-isles-west) | 61 | good | 7 | 35% | 10% | — |
| [Trump Tower II](https://own.miami/buildings/trump-tower-ii) | 61 | good | 8 | 10% | 20% | VA |
| [Jade Ocean](https://own.miami/buildings/jade-ocean) | 58 | good | 4 | 27% | 10.2% | — |
| [Aurora](https://own.miami/buildings/aurora) | 57 | good | 4 | 29% | 20% | — |
| [Ocean One](https://own.miami/buildings/ocean-one) | 57 | good | 5 | 43% | 20% | — |
| [Oceania III](https://own.miami/buildings/oceania-iii) | 57 | good | 4 | 29% | 20% | — |
| [Arlen House 300](https://own.miami/buildings/arlen-house-300) | 56 | good | 12 | 24% | 20% | — |
| [Ocean Two](https://own.miami/buildings/ocean-two) | 56 | good | 8 | 33% | 20% | — |
| [Oceania II](https://own.miami/buildings/oceania-ii) | 55 | good | 5 | 27% | 20% | — |
| [Sole on the Ocean](https://own.miami/buildings/sole-on-the-ocean) | 55 | good | 7 | 29% | 20% | — |
| [La Perla](https://own.miami/buildings/la-perla) | 54 | good | 4 | 22% | 22.4% | — |
| [Golden Bay Club](https://own.miami/buildings/golden-bay-club) | 52 | good | 2 | — | — | — |
| [Winston Towers 200](https://own.miami/buildings/winston-towers-200) | 52 | good | 10 | 41% | 25% | — |
| [The Residences by Armani/Casa](https://own.miami/buildings/18975-collins) | 49 | limited | 9 | 21% | 20% | — |
| [Winston Towers 700](https://own.miami/buildings/winston-towers-700) | 48 | limited | 6 | 36% | 25% | — |
| [Bay Country Club](https://own.miami/buildings/bay-country-club) | 47 | limited | 2 | 33% | 25% | — |
| [Oceanview Building A](https://own.miami/buildings/oceanview-building-a) | 46 | limited | 9 | 14% | 20% | — |
| [Orchid Bay](https://own.miami/buildings/orchid-bay) | 45 | limited | 1 | — | — | — |
| [Oceania I](https://own.miami/buildings/oceania-i) | 44 | limited | 1 | 25% | 25% | — |
| [Trump Tower III](https://own.miami/buildings/trump-tower-iii) | 44 | limited | 11 | 31% | 25% | — |
| [Oceania IV](https://own.miami/buildings/oceania-iv) | 43 | limited | 8 | 44% | 30% | — |
| [Pelican Landing](https://own.miami/buildings/pelican-landing) | 43 | limited | 3 | 67% | — | — |
| [Porsche Design Tower](https://own.miami/buildings/18555-collins-avenue) | 43 | limited | 10 | 36% | 30% | — |
| [Towne Royale](https://own.miami/buildings/towne-royale) | 43 | limited | 1 | — | — | — |
| [Winston Towers 300](https://own.miami/buildings/winston-towers-300) | 43 | limited | 6 | 24% | 25% | — |
| [Winston Towers 100](https://own.miami/buildings/winston-towers-100) | 42 | limited | 4 | 21% | 25% | — |
| [Trump Tower I](https://own.miami/buildings/trump-tower-i) | 41 | limited | 11 | 33% | 30% | — |
| [Turnberry Ocean Club](https://own.miami/buildings/turnberry-ocean-club) | 40 | limited | 7 | 30% | 26.3% | — |
| [Marenas Beach Resort](https://own.miami/buildings/marenas-beach-resort) | 39 | limited | 3 | — | — | — |
| [Winston Towers 400](https://own.miami/buildings/winston-towers-400) | 39 | limited | 8 | 11% | 25% | — |
| [Sands Pointe](https://own.miami/buildings/sands-pointe) | 38 | limited | 3 | 50% | 30% | — |
| [Jade Beach](https://own.miami/buildings/jade-beach) | 37 | limited | 6 | 33% | 30% | — |
| [Winston Towers 600](https://own.miami/buildings/winston-towers-600) | 35 | limited | 5 | 14% | 25% | — |
| [St Tropez on the Bay Tower III](https://own.miami/buildings/st-tropez-on-the-bay-tower-iii) | 34 | limited | 3 | 25% | — | — |
| [The Ritz-Carlton Residences](https://own.miami/buildings/15701-collins) | 34 | limited | 9 | 27% | 30% | — |
| [Winston Towers 500](https://own.miami/buildings/winston-towers-500) | 34 | limited | 5 | 9% | 25% | — |
| [Bay House Tower](https://own.miami/buildings/bay-house-tower) | 33 | limited | 1 | — | — | — |
| [Beach Club Villas](https://own.miami/buildings/beach-club-villas) | 33 | limited | 2 | — | — | — |
| [Florida Ocean Club](https://own.miami/buildings/florida-ocean-club) | 33 | limited | 1 | — | — | — |
| [The Pinnacle](https://own.miami/buildings/the-pinnacle) | 33 | limited | 3 | 9% | 25% | — |
| [Ocean Four](https://own.miami/buildings/ocean-four) | 30 | limited | 5 | 33% | 30% | — |
| [Eden Point South](https://own.miami/buildings/eden-point-south) | 29 | cash | 2 | — | — | — |
| [Le Montcalm](https://own.miami/buildings/le-montcalm) | 29 | cash | 2 | — | — | — |
| [Ocean Point Beach Club](https://own.miami/buildings/ocean-point-beach-club) | 29 | cash | 2 | 22% | 30% | — |
| [Parque Towers](https://own.miami/buildings/parque-towers) | 29 | cash | 16 | 14% | 30% | — |
| [St Tropez on the Bay Tower I](https://own.miami/buildings/st-tropez-on-the-bay-tower-1) | 29 | cash | 6 | 40% | — | — |
| [Trump Palace](https://own.miami/buildings/trump-palace) | 29 | cash | 5 | 17% | — | — |
| [Marina Bay Club](https://own.miami/buildings/marina-bay-club) | 28 | cash | 1 | — | — | — |
| [Arlen House West](https://own.miami/buildings/arlen-house-west) | 26 | cash | 4 | 0% | — | — |
| [Millennium](https://own.miami/buildings/millennium) | 25 | cash | 2 | — | — | — |
| [The Estates at Acqualina – Casa Acqualina](https://own.miami/buildings/casa-acqualina) | 25 | cash | 5 | 33% | — | — |
| [King David](https://own.miami/buildings/king-david) | 24 | cash | 1 | — | — | — |
| [Regalia](https://own.miami/buildings/regalia) | 23 | cash | 2 | 33% | — | — |
| [Ocean Reserve](https://own.miami/buildings/ocean-reserve) | 21 | cash | 8 | 10% | 35% | — |
| [Fairview House](https://own.miami/buildings/fairview-house) | 20 | cash | 1 | 25% | — | — |
| [St Tropez on the Bay Tower II](https://own.miami/buildings/st-tropez-on-the-bay-tower-ii) | 20 | cash | 3 | 0% | — | — |
| [Le Frontenac](https://own.miami/buildings/le-frontenac) | 19 | cash | 5 | 17% | — | — |
| [Trump International Beach Resort](https://own.miami/buildings/trump-international-beach-resort) | 18 | cash | 2 | 0% | — | — |
| [Jade Signature](https://own.miami/buildings/jade-signature) | 17 | cash | 4 | 0% | — | — |
| [Chateau Beach](https://own.miami/buildings/chateau-beach) | 16 | cash | 3 | 17% | — | — |
| [Eden Point North](https://own.miami/buildings/eden-point-north) | 16 | cash | 0 | — | — | — |
| [Le Maisonneuve](https://own.miami/buildings/le-maisonneuve) | 16 | cash | 0 | 0% | — | — |
| [Oceania V](https://own.miami/buildings/oceania-v) | 16 | cash | 2 | — | — | — |
| [Turnberry Ocean Colony](https://own.miami/buildings/turnberry-ocean-colony) | 16 | cash | 0 | — | — | — |
| [Mansions At Acqualina](https://own.miami/buildings/mansions-at-acqualina) | 15 | cash | 0 | 0% | — | — |
| [Muse](https://own.miami/buildings/muse) | 15 | cash | 2 | 17% | — | — |
| [Coastal Towers](https://own.miami/buildings/coastal-towers) | — | insufficient | 0 | — | — | — |
| [Intracoastal Point](https://own.miami/buildings/intracoastal-point) | — | insufficient | 0 | — | — | — |
| [Le Laurier](https://own.miami/buildings/le-laurier) | — | insufficient | 0 | — | — | — |
| [Poinciana Island Yacht & Racquet Club](https://own.miami/buildings/poinciana-island-yacht-and-racquet-club) | — | insufficient | 0 | — | — | — |

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