Miami-Dade County, FL Property Tax, Landlord Insurance & DSCR Underwriting Matrix

Miami-Dade County Assessor Reassessment, Wind/Flood & Transfer-Tax Rules

1. Post-Acquisition Tax Reassessment Trigger

Florida Non-Homestead Cap: Reassessed to market value at acquisition; subsequent non-homestead assessment increases capped at 10% per year (Save Our Homes non-homestead provision).

2. Hazard, Windstorm & Catastrophe Insurance Tier

HVHZ (High-Velocity Hurricane Zone · Wind Mitigation Required)

3. Mortgage Recording, Doc Stamp & Transfer Tax Rule

FL Documentary Stamp Tax ($0.70/$100 on deeds; $0.35/$100 on notes) + $0.20/$100 Non-Recurring Intangible Tax on new mortgage notes.

4. Wholesale Escrow & Tax-Reduction Strategy

On Florida cash-out refinances, assign existing note to pay doc stamps only on the new-money advance.