Hot Girl Summer might be over for most of us -- but for Emily Ratajkowski ... the heat just keeps on coming, even as we get into fall. Hooray for year-round seasons!!!
The model was spotted out Monday in the Sunshine State, getting her tan on in Miami with a gal pal in tow. No sight of her hubby, Sebastian, here -- but Emily had no trouble holding the spotlight ... showing off her bangin' body in probably the best swimsuit ever.
She was wearing a fascinating little number as she laid out in the rays -- which featured a plunging split neckline up front ... and nothing but a thong bottom for the back.