Florida Condo Rental Relocation Guide for New Yorkers: What to Expect and How to Prepare Before Applying

Relocating from New York to Florida to rent a condominium involves more structure, oversight, and preparation than many renters anticipate. The rewards are countless, but preparation ensures a smooth approval process. Here is a Relocation Guide specifically for New Yorkers on What to Expect and How to Prepare Before Applying.

What New York Renters Are Most Surprised by in Florida

1. Condo Associations Have Real Authority
Florida condominium associations can approve or deny tenants, enforce rules directly, fine tenants, and restrict amenities. This level of control is far greater than what most New York renters experience.

2. Approval Is Not Immediate
Even after a lease is signed with a landlord, tenants may not move in until the condo association grants written approval. Interviews and extended review periods are common.

3. Higher Upfront Costs
Expect to provide upfront in the form of a cashiers check:
• Advance one month rent (at lease signing)
• Last month rent (upon occupancy)
• Security deposit to landlord (upon occupancy, 1 month rent or flat fee)
• Security deposit to the condominium (at application, 1 month rent or flat fee)

In addition, Florida condos often require non-refundable application fees, move-in and elevator deposits, pet deposit, parking registrations, and amenity fees.

Example: Rent is $3,500/month. February Lease Start Date. In January…
+$3,500 first month
+$100 application fee
+$500 elevator deposit
+$3,500 last month
+ $3,500 security deposit to landlord
+ $3,500 security deposit to association
+$250 pet fee
=$14,850 upfront funds needed in January

4. Realtor Representation
In Miami condo rentals, realtor compensation is typically paid by the landlord and split between brokers, making tenant representation accessible without added out-of-pocket cost in most cases. This structure allows tenants to benefit from a Realtor’s professional guidance, negotiation, and risk management without bearing the commission expense.

5. Rules Govern Daily Living
Noise, guests, pets, balcony use, move-in hours, and even décor may be regulated. Violations can result in fines or loss of amenity access.

6. Lease Renewals Are Not Guaranteed
Renewals may require re-application and are subject to leasing caps or rule changes. This is very different from New York’s more predictable renewal environment.

How to Prepare Before Applying (Critical Checklist)
Before submitting an offer or application, tenants should be prepared with the following:

Financial & Documentation Readiness
 Government-issued photo ID
 Proof of income (recent pay stubs, offer letter, or tax returns)
 Bank statements
 Credit report or authorization for credit check
 References (prior landlord and/or professional) – Condo may request letters of reference
 Pet photo, breed, size/weight, immunization records and rabies certificate
 Vehicle information

Budgeting for Florida-Specific Costs
• Association application fees (often non-refundable)
• Move-in / move-out deposits
• Elevator reservation fees
• Parking and vehicle registration fees
• Renter’s insurance (often required)

Timing & Logistics Planning
• Flexible move-in date pending association approval
• Willingness to attend an interview if required
• Understanding that approval timelines may range from days to weeks

Rules & Lifestyle Alignment
• Review condo rules and bylaws before applying
• Confirm pet policies, guest limitations, and noise rules
• Verify lease term requirements and renewal restrictions

Lease & Utility Confirmation
• Confirm which utilities are included vs. tenant-paid
• Understand maintenance responsibilities
• Obtain written confirmation of parking and storage rights

Key Takeaway
Florida condo rentals offer attractive amenities and upscale living, but they demand preparation and compliance. New York renters who approach the process with realistic expectations, complete documentation, and flexibility are far more likely to secure approval and enjoy a smooth tenancy.

***This guide is intended to educate renters and should be reviewed alongside the lease agreement and condominium governing documents.

Check out the Coldwell Banker Move Meter to learn more about the key metrics of New York vs. Miami.

Contact me your licensed Realtor for Relocation Assistance to ensure a smooth move to South Florida!