Hialeah, FL · MIAMI-DADE County County · 2026 Population: 254,399 · NMLS #2827624 · AZ CMB #CMB-2016143

Hialeah, Florida DSCR, Hard Money, Fix & Flip & 5–25+ Unit Multifamily Loans

Hialeah, FL Local Underwriting Snapshot (MIAMI-DADE County County): With a 2026 population of 254,399, Hialeah carries an effective property tax rate of 0.84%, a median 1–4 unit investment property price of $435,000, and a median market rent of $3,400/mo. At 75% LTV ($326,250 loan amount), estimated monthly PITIA is $2,627/mo, yielding an estimated baseline DSCR of 1.29x. For 5–25+ unit apartment buildings in Hialeah, typical valuation averages $182,700/door with $1,925/mo/door market rents.

County & 2026 PopulationMIAMI-DADE County County (254,399)

Effective Property Tax Rate0.84% ($305/mo)

Median 1–4 Unit Price & Rent$435,000 · $3,400/mo

5–25+ Unit Multifamily Avg$182,700/door · $1925/mo

FL Foreclosure & SecurityJudicial (Circuit Court Foreclosure Action) (180–260 days)

Hialeah, FL Pre-Populated Underwriting Terminal

1–4 Unit PITIA vs. 5–25+ Unit Commercial NOI Simulator

Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873 · Canonical Integer _cents & _bps Engine

1. Select Property Unit Tier Bracket

2. Exact Number of Units / Doors (MISMO FinancedUnitsCount)1 Unit

Price/Door: $435,000·Loan/Door: $326,250·Avg Rent/Door: $3,400/mo

Property Value / Purchase Price$435,000

Target LTV %75%

Base Note Rate %6.625%

Gross Monthly Rent (Form 1007 / Lease / STR Projection)$3,400/mo

Tax Rate (%)

Annual Ins ($)

Monthly HOA ($)

Prepayment Stepdown Structure

Amortization & FICO Tier

Calculated DSCR Coverage Ratio

Canonical: 134 bps · 7500 bps LTV · 6625 bps Rate

1.34x

Tier-1 Institutional (1.25x+ — Max LTV & Best Pricing)

Loan Amount (75% LTV)$326,25032,625,000 _cents

Monthly P&I Debt Service$2,089/mo@ 6.625% Note Rate

Total Monthly PITIA$2,546/moTax: $305 · Ins: $152

Net Monthly Cash Flow+$854/mo$10,251/yr net

Get 30-Sec Quote →Full 1003 / MISMO Apply →

Wholesale PPE Multi-Option Execution Comparison (Borrower-Paid 2.000% Default · 39 Wholesale Lenders)

Execution Option	Prepay Structure	Est. Note Rate	Prepay Price Credit	Monthly Debt Service	DSCR Ratio
Option A: Lowest Rate (60-Mo Stepdown)	5-4-3-2-1	6.625%	-100 bps (-1.000 pt)	$2,546/mo	1.34x
Option B: Balanced Par (36-Mo Stepdown)	3-2-1	6.875%	-75 bps (-0.750 pt)	$2,600/mo	1.31x
Option C: Max Cash Flow (10-Yr Interest-Only)	3-2-1 IO	7.000%	+38 bps IO LLPA	$2,360/mo	1.44x

Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender.

Hialeah, FL Short-Term Rental (STR), ADU & Legal Underwriting Notes

Local Municipal & Zoning Guidance: Wholesale DSCR and multifamily lenders in Hialeah (MIAMI-DADE County County, FL) underwrite both 12-month long-term leases (Form 1007 / Form 1025) and compliant short-term rentals (Form 1007 STR / 12-month booking ledger) subject to local municipal registration.

Florida Statutory Security Instrument: Loans in Hialeah (MIAMI-DADE County County) are secured via Mortgage Instrument under Florida's Judicial (Circuit Court Foreclosure Action) framework (180–260 days). Insurance underwriting note: Standard DP-3 landlord dwelling fire, general liability & rent-loss coverage required..