🎙 BETTER DECISIONS PODCAST

Miami Real Estate 2025: Miami “Bubble” Headlines — What the Data Really Says (with Ana Bozovic)

In this episode of Better Decisions, David sits down with Ana Bozovic—founder of Analytics Miami, four-term governor of the Miami Association of Realtors, and a Columbia-trained mathematician— to break down the UBS Bubble Index headlines and reveal the on-the-ground data shaping Miami’s market in 2025. We cover cash vs. debt dynamics, inventory by price point, migration flows, where risk really lives (older condos & micro-bubbles), and how to evaluate neighborhoods and buildings with first-principles metrics instead of clickbait.

⏱️ Episode Chapters

• 00:00 — Teaser
• 01:08 — Welcome & guest intro
• 02:05 — Ana’s credentials & approach (proof-level rigor)
• 03:12 — UBS report overview & media headlines
• 05:11 — Contradictions in the report (Pg. 11 vs. methodology)
• 08:48 — What a “bubble” is: debt, leverage & fast drawdowns
• 09:45 — Miami is an all-cash market (share by price tier)
• 10:54 — Wealth & talent migration: the prime driver
• 16:08 — A better bubble index: debt use + inventory signals
• 23:24 — Months of inventory by price point (how to read it)
• 28:36 — Condos: old vs. new, replaceability & risk
• 33:39 — Tracking high-end sales as a health indicator
• 40:01 — Three core issues with the UBS index
• 43:29 — Primary markets (Gables, Grove, Pinecrest, Beach)
• 44:21 — Urban rentals & short-term rental micro-cycles
• 52:12 — Older buildings post-Surfside: assessments & HOAs
• 56:31 — Branding mirage & new-tower micro-bubbles
• 60:08 — Pipeline saturation & small-unit risk
• 66:15 — What wealthy end-users actually buy
• 68:36 — New prime product vs. resale: volumes & PSF
• 72:25 — Will Miami actually “pop”? What would it take
• 75:09 — Long-term fundamentals: lifestyle, safety, taxes
• 79:24 — Neighborhood & building-level data tools
• 82:05 — Wrap-up & how to make better decisions

🔗 Related Resources

• Read the full blog article → luxlifemiamiblog.com

👤 About Ana Bozovic

Ana Bozovic is the founder of Analytics Miami, a four-term governor of the Miami Association of Realtors, and a Columbia-trained mathematician known for rigorous, long-horizon market reports widely cited by The Wall Street Journal, The Real Deal, and more.

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• Explore listings & data tools → luxlifemiamiblog.com

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