Daniel De La Torre Roffe
Residential Financing Specialist
Residential Financing
By phone(786) 981-7200
By emailloan@danieldelatorre.com
— About this home
Oceanfront condo located on private island, just across from the beach in Sunny Isles Beach. 2 Bed/2 Bath plus den corner unit located on the 9th floor. Sliding glass doors surround the unit with views of the canal, tennis courts, and Sunny Isles Beach City. The amenities offer a private beach club and marina, tennis court, squash court, spa, gym overlooking the ocean. Oceanfront dining, beauty salon, spa, valet, and much more
— Facts & features
Interior
- Lobby
- Elevator
- Split Bedroom
- Walk-In Closet(s)
Exterior
- Open Balcony
- Tennis Court(s)
Appliances
- Dishwasher
- Disposal
- Dryer
- Trash Compactor
Cooling & heating
- Central Air
- Central
Flooring
- Marble
Parking
- 1 Space
- Covered
Waterfront
- Canal Front
View
- Ocean View
Community amenities
- Business Center
- Exercise Room
- Heated Pool
- Tennis Court(s)
Security
- Guard At Site
- Lobby Secured
Maintenance includes
- All Amenities
- Cable Tv
- Parking
Pets
- More Than 20 Lbs
Construction & roof
- Concrete Block Construction
— Location
16400 Collins Ave, Sunny Isles Beach
— Mortgage Estimator
Estimate your monthly cost.
For a personalized quote or pre-approval, we'll connect you with one of our trusted lending partners.
Home priceUSD
Enter as digits, with commas, or shorthand: 1.9M · 1900K · 1,895,000
ZIP codeMiami-Dade
Miami-Dade County (exact match).
Payment typeFinanced
Conventional or jumbo loan, depending on size.
Down payment20% · $158,000
%
$632,000 financed
Loan termyears
Base rate% (760+ band)
Loading current market rate...
Your rate at 740-759:6.995%(base + 0.12%)
Primary residenceNo
No homestead exemption — full property tax applies.
Credit score banddrives rate
Lenders price LLPA adjustments by credit band. See impact panel for monthly + lifetime deltas.
Your finances — optional, for DTI
Gross annual income
$
Other monthly debts
$
Household combined pre-tax income and the sum of your monthly debt-service payments (auto loans, student loans, credit-card minimums). We don't count groceries, utilities, or insurance — those don't factor into lender DTI.
— Estimated monthly
$7,272
Per month, all-in
Monthly breakdown
- Principal & interest$4,20358%
- Property taxes$80511%
- Insurance$89512%
- HOA$1,36919%
Tax: From listing — annual tax of record.
Insurance: Barrier island or Florida Keys — Citizens-territory rates apply. Estimate; private-market quotes commonly run 50–100% above this baseline.
Cash & qualification
- Cash at closing
- $192,176
- Income to qualify
- $312,000/yr
Credit-score impact
Improving from 740-759 to 760+ would save $51/mo and $18,288 over the life of this loan.
Over the life of the loan
- Total paid
- $1,512,932
- Total interest
- $880,932
- Paid off
- 2056
— Preferred lender
Talk numbers with someone who knows the market.
Vera Vita is not a lender and does not earn a referral fee on lender introductions. Rates, terms, and approval remain between you and your lender of choice.
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