Investment property · DSCR screen

2-bed condo in Miami Beach, FL

Miami Beach, FL 33140 · Miami-Dade County · Active

2 bed, 2 bath condo for sale in Miami Beach, FL — Listed by Grand Realty Of America, Corp.

Beds2

Baths2

Sq ft1,064

Year built1967

TypeCondo

The I/O payment, line by line

Interest-only debt service: $2,000
Property tax + insurance: $1,067
HOA: None reported
Total: $3,067
30-year P&I at 6.375%: $1,996
30-year PITIA: $3,063

Taxes and insurance are this listing's actual figures ($1,067/mo). No HOA fee is reported for this listing, so none is included — and on a condo that usually means the fee is missing from the data rather than genuinely zero. A real fee would reduce the DSCR above, possibly below the 1.25 we screen for. On a purchase price of $400,000 (as of August 2026) with 20% down, the loan is $320,000. Rate, term and costs are the published assumptions, not a quote — your actual payment depends on your credit, reserves, entity structure and the appraisal.

Flood risk

9/10

Extreme risk · FEMA zone AE

Flood insurance will be expensive and may be mandatory. Get a quote before you write an offer. This is a FEMA Special Flood Hazard Area, so a federally-backed mortgage will require flood insurance.

Listing facts

Revenue comparables15 · High confidence

ListedDec 4, 2025

Days on market251

StatusActive

Revenue comps15

ConfidenceHigh

Let's polish these numbers

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I'm looking at this home on your Investment Properties page:

2-bed condo in Miami Beach, FL 33140
Scout listing ID: 6849708208
/investment-properties/p/2-bed-condo-miami-beach-33140-6849708208/

List price: $400,000 (as of August 2026)
Condo · 2 bed · 2 bath · 1,064 sqft · built 1967
County: Miami-Dade

Projected short-term-rental revenue: $69,700–$88,800 a year
Based on 15 comparable listings at high confidence — ZIP + bedroom comparables, not an appraisal of this home

Estimated interest-only payment at 80% LTV and 7.5%:
· Interest: $2,000
· Property tax + insurance: $1,067
· HOA: none reported
· Total: $3,067

Estimated I/O DSCR after a 20% operating-cost allowance: 1.72 — Exceptional · well above the 1.25 line (the listing's actual taxes and insurance; NO HOA fee is reported for it, so none is included — a real fee would lower this)
Estimated 30-year DSCR at 6.375%: 1.72

Can you tell me what DSCR and other loans look like for this property, and are there others like it in this market?

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