Investment property · DSCR screen

3-bed condo in Sunny Isles Beach, FL

Sunny Isles Beach, FL 33160 · Miami-Dade County · Active

3 bed, 2 bath condo for sale in Sunny Isles Beach, FL — Listed by Sib Realty, Llc

Beds3

Baths2

Sq ft1,570

Year built1979

TypeCondo

The I/O payment, line by line

Interest-only debt service: $2,825
Property tax + insurance: $1,321
HOA: None reported
Total: $4,146
30-year P&I at 6.375%: $2,820
30-year PITIA: $4,141

Taxes and insurance are this listing's actual figures ($1,321/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 $565,000 (as of August 2026) with 20% down, the loan is $452,000. 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

8/10

Severe risk · FEMA zone AE

Expect a meaningful flood-insurance premium, and lenders will require it in a FEMA high-risk zone. This is a FEMA Special Flood Hazard Area, so a federally-backed mortgage will require flood insurance.

Listing facts

Revenue comparables15 · High confidence

ListedApr 16, 2026

Days on market118

StatusActive

Revenue comps15

ConfidenceHigh

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

3-bed condo in Sunny Isles Beach, FL 33160
Scout listing ID: 9662116136
/investment-properties/p/3-bed-condo-sunny-isles-beach-33160-9662116136/

List price: $565,000 (as of August 2026)
Condo · 3 bed · 2 bath · 1,570 sqft · built 1979
County: Miami-Dade

Projected short-term-rental revenue: $75,700–$96,300 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: $2,825
· Property tax + insurance: $1,321
· HOA: none reported
· Total: $4,146

Estimated I/O DSCR after a 20% operating-cost allowance: 1.38 — Strong · clears 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%: 1.38

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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