Neighborhood
Part of South Beach & Mid-Beach.
Buyer notes
Second-home buyers, luxury buyers and STR investors dominate. Buyers should confirm building and city rules on rentals before financing.
Financing in 33139
Conventional Loans
A conventional loan is a mortgage not insured by the government that follows Fannie Mae or Freddie Mac guidelines.
FHA Loans
An FHA loan is a government-insured mortgage that allows 3.5% down with a credit score of 580 or higher, or 10% down with a score from 500 to 579.
DSCR Loans
A DSCR loan is an investment-property mortgage that qualifies you on the property’s rental income divided by its monthly payment (the debt service coverage ratio).
FAQ
What is the 33139 area like?
South Beach combines the Art Deco historic district with oceanfront towers along Collins Avenue. Tourism, nightlife and the beach economy drive values, and short-term rental rules shape the investment picture.
Who buys in 33139?
Second-home buyers, luxury buyers and STR investors dominate. Buyers should confirm building and city rules on rentals before financing.