Home loansInvestorsCalculatorsHelp center
Call us (888) 647-9902
Español
Find my loanGet started
Hialeah, FL

Hialeah mortgage and investor loans

Quick answerWe arrange home loans and investor loans for Hialeah properties in Miami-Dade County: DSCR Loans, Fix and Flip Loans, DSCR Cash-Out Refinance, Short-Term Rental (Airbnb) DSCR Loans, Bank Statement Loans, FHA Loans, First-Time Homebuyer Loans, VA Loans, Condo Loans.
Reviewed by Juan Fernando Romero, NMLS 2557318Updated

Loan programs in Hialeah

Investor

DSCR Loans in Hialeah

A DSCR loan is an investment-property mortgage that qualifies you on the property’s rental income divided by its monthly payment (the debt service coverage ratio).

Investor

Fix and Flip Loans in Hialeah

A fix and flip loan is short-term (usually 12–18 months), interest-only financing that covers most of a distressed property’s purchase price and up to 100% of renovation costs, repaid when you sell or refinance.

Investor

DSCR Cash-Out Refinance in Hialeah

A DSCR cash-out refinance replaces the loan on a rental with a larger one, sized to the property’s value and qualified on its rent, and pays you the difference in cash.

Investor

Short-Term Rental (Airbnb) DSCR Loans in Hialeah

A short-term rental DSCR loan qualifies a vacation rental on its nightly-rental income, using 12 months of booking history or a third-party projection such as AirDNA, instead of a long-term lease.

Home loan

Bank Statement Loans in Hialeah

A bank statement loan is a non-QM mortgage that calculates self-employed income from 12 or 24 months of personal or business bank deposits instead of tax returns.

Home loan

FHA Loans in Hialeah

An FHA loan is a government-insured mortgage that allows 3.5% down with a credit score of 580 or higher, or 10% down with a score from 500 to 579.

Home loan

First-Time Homebuyer Loans in Hialeah

First-time homebuyer loans are mortgage options with low down payments, typically 3% conventional, 3.5% FHA or $0 VA, often paired with state or local down payment assistance.

Home loan

VA Loans in Hialeah

A VA loan is a mortgage guaranteed by the Department of Veterans Affairs that lets eligible veterans, active-duty service members and certain surviving spouses buy with no down payment and no monthly mortgage insurance.

Home loan

Condo Loans in Hialeah

A condo loan is a mortgage on a unit in a condominium project, and approval depends on the building as well as the buyer.

Neighborhoods in Hialeah

  • West Hialeah
  • East Hialeah
  • Palm Springs
  • Central Hialeah
  • Downtown Hialeah

Why borrowers look at Hialeah

Hialeah is the working-class heart of Miami-Dade, a dense, overwhelmingly Cuban-American city with its own street grid, Metrorail stations and self-contained economy. West Hialeah leans toward garden apartments and townhomes near Westland Mall, East Hialeah offers tree-lined single-family streets near transit, and the Leah Arts District has brought murals and galleries to an old industrial corridor. The housing stock is mostly mid-century single-family homes, duplexes and low-rise apartments, modest by Miami standards, which is exactly the appeal. First-time buyers and multigenerational families find some of the county's most attainable prices here. Investors like the deep rental demand. Buyers should expect older roofs and plan insurance accordingly.

Local market snapshot: Hialeah

Median home value$392,000City of Hialeah · Source: U.S. Census Bureau, American Community Survey 5-year estimates
Median gross rent$1,689/moCity of Hialeah · Source: U.S. Census Bureau, American Community Survey 5-year estimates
Effective property tax rate0.76% (approx.)Miami-Dade County, effective rate (approx.) · Source: SmartAsset, Florida Property Tax Calculator

Homeowners insurance: Hialeah's older housing stock means roof age and condition drive insurance pricing more than location does. Wind mitigation upgrades on an older home can pay for themselves in premium savings. Buyers should get a wind mitigation inspection alongside the general home inspection.

Figures are the most local reliable public data available (city, then county, then statewide), each labeled above. They are context for your payment estimate, not a quote, run your scenario through our payment calculator.

Before you buy or refinance in Hialeah

  • Pull the Miami-Dade County property tax bill early; it is part of every payment and DSCR calculation.
  • Get an insurance quote before you lock a price, including wind and flood.
  • For rentals, check rent comps and any local rental registration or short-term rental rules in Hialeah.
  • Florida charges documentary stamp tax on new mortgage notes (35¢ per $100) and a 0.2% nonrecurring intangible tax on mortgages, both paid at closing. Condo projects face extra review after the state’s post-2022 structural-safety reforms, so condo budgets and reserve studies matter to lenders.

Run the numbers

Other Florida cities

FAQ

What loans can I get in Hialeah, FL?

Investor loans (DSCR, fix and flip, cash-out, short-term rental) and owner-occupied home loans (bank statement, FHA, VA, conventional and more).

Who assesses property taxes in Hialeah?

Miami-Dade County. Lenders include those taxes in the monthly payment used to qualify you.

See what you qualify for

It takes about two minutes and does not affect your credit score. A licensed loan officer reviews every request.

Get startedTry our calculators
Call usGet started