Miami Beach, FL Rental Market for Investors
An estimated 29% of Miami Beach's active listings could cash-flow as a short-term rental — here's what the numbers say for investors, as of October 2026.
Homes in Miami Beach that pencil right now
A sample of active Miami Beach listings whose DSCR clears 1.25 using short-term rental income projections we accept as a direct lender. These are spread across the price range, not ranked, and current as of October 2026.
$199,900DSCR 1.661 bed · 1.5 bath · 780 sqft
- STR revenue
- $59,340/yr
- Est. interest-only payment
- $2,380/mo
On the market 98 days · Listed by Elite Ocean View Realty LLC
Scout this home & market: 1-bed condo in Miami Beach
$220,000DSCR 1.892 bed · 1 bath · 850 sqft
- STR revenue
- $71,794/yr
- Est. interest-only payment
- $2,537/mo
On the market 55 days · Listed by Beachfront Realty Inc
Scout this home & market: 2-bed condo in Miami Beach
$245,000DSCR 1.281 bed · 1 bath · 456 sqft
- STR revenue
- $37,592/yr
- Est. interest-only payment
- $1,964/mo
On the market 338 days · Listed by Opera Rei Inc
Scout this home & market: 1-bed condo in Miami Beach
$320,000DSCR 1.422 bed · 2 bath · 1,069 sqft
- STR revenue
- $68,667/yr
- Est. interest-only payment
- $3,224/mo
On the market 206 days · Listed by Keller Williams Eagle Realty
Scout this home & market: 2-bed condo in Miami Beach
$365,000DSCR 1.931 bed · 1 bath · 790 sqft
- STR revenue
- $102,634/yr
- Est. interest-only payment
- $3,542/mo
On the market 85 days · Listed by ALG Capital Group Corp
Scout this home & market: 1-bed condo in Miami Beach
$375,000DSCR 1.402 bed · 2 bath · 1,158 sqft
- STR revenue
- $68,667/yr
- Est. interest-only payment
- $3,267/mo
On the market 301 days · Listed by Sterling Equity Realty Llc
Scout this home & market: 2-bed condo in Miami Beach
$425,000DSCR 1.372 bed · 2 bath · 595 sqft
- STR revenue
- $77,487/yr
- Est. interest-only payment
- $3,768/mo
On the market 935 days · Listed by COMPASS
Scout this home & market: 2-bed condo in Miami Beach
$489,000DSCR 1.292 bed · 2 bath · 1,190 sqft
- STR revenue
- $97,851/yr
- Est. interest-only payment
- $5,061/mo
On the market 115 days · Listed by Howard Chase Real Estate, Llc
Scout this home & market: 2-bed condo in Miami Beach
As of October 2026, we analyzed 1,701 active for-sale homes in Miami Beach, Florida. The typical listing is priced at $550,000 and is projected to generate about $59,486 a year as a short-term rental.
After setting aside an estimated 20% for operating costs, an estimated 29.4% of those homes could still cover an investor mortgage payment on short-term-rental income — below the 53.1% median across the 200 major metros we track, ranking Miami Beach #171 of 200 for cash-flow potential.
On market momentum: homes in Miami Beach sit a median of 109 days on the market, and 17% of active listings came on in just the last 30 days — a slower-moving market, which shapes how much room there is to negotiate.
For a DSCR loan — which qualifies on the property's rental income rather than your personal income — Miami Beach runs tighter once operating costs are accounted for: many listings need a below-median price, a stronger short-term-rental setup, or more money down before the income covers the payment. It's a market where running the numbers property-by-property matters.
What actually works in Miami Beach
Cash-flow is the exception rather than the rule in Miami Beach right now: 121 of the 1,174 Miami Beach homes, condos and townhomes we can price confidently clear a DSCR of 1.25. Nine in ten of them are priced under $714,000.
| Price | 1 bed | 2 bed | 3 bed | 4 bed | 5 bed |
|---|---|---|---|---|---|
| $150k–$250k | 24%1.10 | — | — | — | — |
| $250k–$350k | 6%0.92 | 76%1.47 | — | — | — |
| $350k–$500k | 4%0.79 | 29%1.09 | — | — | — |
| $500k+ | 0%0.49 | 4%0.55 | 4%0.39 | 17%0.40 | 13%0.66 |
Darker means a larger share of that group cash-flows. “—” means fewer than 8 active listings — too few to draw a conclusion from.
Miami Beach in full
| Active for-sale homes analyzed | 1,701 |
|---|---|
| Median list price | $550,000 |
| Median projected STR revenue (annual, gross) | $59,486 |
| Median average daily rate (ADR) | $243 |
| Median occupancy | 67% |
| Median beds | 1 |
| Median size | 900 sqft |
| Estimated cash-flow-positive share | 29.4% |
| Median days on market | 109 days |
| New listings (last 30 days) | 16.9% of active |
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Estimates for educational purposes. Final terms subject to credit, property & program approval.
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