🎙 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.
📬 Stay Connected
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- Explore listings & data tools → luxlifemiamiblog.com
Keywords: Miami real estate, Miami housing market, Miami real estate bubble, UBS Bubble Report, Ana Bozovic, Analytics Miami, David Siddons, Better Decisions Podcast, Miami condos, South Florida real estate, Miami property market, Miami housing trends, Miami market analysis, real estate data, housing bubble myths, wealth migration, luxury real estate, Florida real estate, real estate investing, Miami inventory trends, cash buyers, market fundamentals, real estate insights, Miami development, South Florida housing, Miami luxury market, condo market analysis, real estate analytics, economic trends, housing market 2025