Seller will consider financing with large downpayment. Discover a rare investment opportunity in the heart of the Florida Keys with this beautifully upgraded 3-bedroom, 3-bath unit at The Reef in Marathon. Set against the tranquil backdrop of the bay with direct access to the Gulf of Mexico, this versatile property is ideal for investors and island dreamers alike. Designed with flexibility in mind, this unique unit allows for a variety of rental configurations—including vacation rentals, long-term leases, or even keeping a portion for personal use while generating income from the rest. With 7-day rentals permitted, the possibilities are endless. Inside, you'll find thoughtful, high-end finishes throughout, including rich wood cabinetry, granite countertops, stained concrete floors with tile base, and completely renovated bathrooms featuring large walk-in showers. Every detail has been updated to offer comfort, durability, and coastal style. The Reef is a sought-after waterfront community offering resort-style amenities, including a large saltwater pool, tennis courts, and a spacious marina with boat slips available by reservation. Guests and owners enjoy access to bicycles, paddle boats, and paddleboards, as well as convenient parking for boat trailers during their stay. This is more than a vacation home—it's a lifestyle and an income-producing asset, all in one of the most desirable locations in the Florida Keys. Don't miss your chance to own a piece of paradise. Co listed with Zillow