If you’ve been renting in South Florida, you’ve probably noticed rising prices—but is it time to buy? At LendingwithNelly, we help clients just like you weigh the pros and cons of making the switch.

1. Rent Is Going Up—Again

In 2025, average rent for a 2-bedroom in Miami is hovering between $2,700–$3,500 per month. Over a year, that’s nearly $40,000 that builds no equity or long-term value.

2. Buying Means Investing in Yourself

When you buy:
• Your monthly payment is going toward ownership

• You gain equity as home values rise

• You can take advantage of tax benefits

• You have the freedom to make the space your own

Explore our Loan Programs to see what options are available.

3. Upfront Costs Are Manageable

Many buyers think they need 20% down—but that’s not true. There are options available with as little as 3–5% down, especially for first-time buyers.

Nelly can walk you through which loan programs fit your financial goals.

4. Flexibility vs. Stability

• Renting: Great for short-term flexibility, fewer responsibilities

• Buying: Ideal if you plan to stay 3+ years, want long-term stability, and value building wealth

The decision comes down to your lifestyle and long-term plans.

Should You Rent or Buy in 2025?

If you’re planning to stay in South Florida and want more control over your living situation, buying may be the smarter move—especially with today’s flexible mortgage options.
Have questions? Call 786-731-9635 or email Nelly@lendingwithnelly.com
Let’s figure out what’s right for you.