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 August 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 August 2026.
$189,000DSCR 1.341 bed · 1 bath · 450 sqft
- STR revenue
- $42,179/yr
- Est. interest-only payment
- $2,103/mo
On the market 5 days · Listed by Grove Town Properties, Inc.
Scout this home & market: 1-bed condo in Miami Beach
$210,000DSCR 2.012 bed · 1 bath · 730 sqft
- STR revenue
- $69,605/yr
- Est. interest-only payment
- $2,312/mo
On the market 18 days · Listed by COMPASS
Scout this home & market: 2-bed condo in Miami Beach
$235,000DSCR 1.371 bed · 1 bath · 426 sqft
- STR revenue
- $46,890/yr
- Est. interest-only payment
- $2,277/mo
On the market 46 days · Listed by Miami Beach Real Estate Group
Scout this home & market: 1-bed condo in Miami Beach
$285,000DSCR 1.541 bed · 1.5 bath · 865 sqft
- STR revenue
- $56,773/yr
- Est. interest-only payment
- $2,452/mo
On the market 41 days · Listed by Pink Miami Real Estate
Scout this home & market: 1-bed condo in Miami Beach
$345,000DSCR 1.982 bed · 2 bath · 1,127 sqft
- STR revenue
- $90,388/yr
- Est. interest-only payment
- $3,046/mo
On the market 13 days · Listed by Sterling Equity Realty Llc
Scout this home & market: 2-bed condo in Miami Beach
$375,000DSCR 1.412 bed · 2 bath · 1,158 sqft
- STR revenue
- $68,667/yr
- Est. interest-only payment
- $3,236/mo
On the market 251 days · Listed by Sterling Equity Realty Llc
Scout this home & market: 2-bed condo in Miami Beach
$400,000DSCR 1.722 bed · 2 bath · 1,064 sqft
- STR revenue
- $79,255/yr
- Est. interest-only payment
- $3,067/mo
On the market 256 days · Listed by Grand Realty Of America, Corp.
Scout this home & market: 2-bed condo in Miami Beach
$425,000DSCR 1.382 bed · 2 bath · 595 sqft
- STR revenue
- $77,487/yr
- Est. interest-only payment
- $3,733/mo
On the market 886 days · Listed by COMPASS
Scout this home & market: 2-bed condo in Miami Beach
$487,000DSCR 1.322 bed · 2 bath · 1,145 sqft
- STR revenue
- $68,667/yr
- Est. interest-only payment
- $3,462/mo
On the market 419 days · Listed by Beachfront Realty Inc
Scout this home & market: 2-bed condo in Miami Beach
As of August 2026, we analyzed 1,549 active for-sale homes in Miami Beach, Florida. The typical listing is priced at $545,000 and is projected to generate about $58,751 a year as a short-term rental.
After setting aside an estimated 20% for operating costs, an estimated 29.2% of those homes could still cover an investor mortgage payment on short-term-rental income — below the 52.5% median across the 200 major metros we track, ranking Miami Beach #173 of 200 for cash-flow potential.
On market momentum: homes in Miami Beach sit a median of 116 days on the market, and 16% 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: 109 of the 1,049 Miami Beach homes, condos and townhomes we can price confidently clear a DSCR of 1.25. Nine in ten of them are priced under $578,000.
| Price | 1 bed | 2 bed | 3 bed | 4 bed |
|---|---|---|---|---|
| $150k–$250k | 29%1.11 | — | — | — |
| $250k–$350k | 6%0.93 | 72%1.51 | — | — |
| $350k–$500k | 4%0.77 | 29%1.09 | — | — |
| $500k+ | 0%0.51 | 3%0.55 | 7%0.53 | 14%0.41 |
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 | 1,549 |
|---|---|
| Median list price | $545,000 |
| Median projected STR revenue (annual, gross) | $58,751 |
| Median average daily rate (ADR) | $239 |
| Median occupancy | 68% |
| Median beds | 1 |
| Median size | 892 sqft |
| Estimated cash-flow-positive share | 29.2% |
| Median days on market | 116 days |
| New listings (last 30 days) | 16.1% of active |
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