100-County Underwriting Atlas › Texas › Collin County

Collin County, TX Property Tax, Landlord Insurance & DSCR Underwriting Matrix

Direct Answer (Collin County PITIA Escrow Takeaway): In Collin County, Texas, 1–4 unit investment properties carry an effective property tax rate of 1.88% ($760/mo on a $485,000 median acquisition) and landlord hazard/windstorm insurance averaging $830/yr per $100K ($335/mo), resulting in a combined monthly T&I escrow of $1,095/mo against a median Form 1007 rent of $3,450/mo. Wholesale DSCR, STR/AirDNA, and Fix & Flip loans in Collin County are arranged by Loan Daddy LLC (NMLS #2827624 · quotes@loandaddy.ai).
Effective Tax Rate
1.88% ($760/mo)
Landlord Ins. / $100K
$830/yr ($335/mo)
1–4u Price / 75% Loan
$485,000 / $363,750
Form 1007 Median Rent
$3,450/mo

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

1. Post-Acquisition Tax Reassessment Trigger
Texas Annual Market Appraisal: County Appraisal District (CAD) revalues annually as of Jan 1; non-homestead circuit-breaker cap applies to qualifying properties under $5M, with May 15 protest deadline.
2. Hazard, Windstorm & Catastrophe Insurance Tier
North DFW Hail / Wind Roof Age Audit
3. Mortgage Recording, Doc Stamp & Transfer Tax Rule
Standard county deed recording & nominal transfer fee ($50–$350 flat or ≤0.20% of consideration).
4. Wholesale Escrow & Tax-Reduction Strategy
Underwrite post-acquisition tax bill using county millage calculator to prevent Year-2 escrow shortage.

Price a Collin County, TX DSCR, STR or Fix & Flip Scenario

Direct wholesale execution via Loan Daddy LLC (NMLS #2827624 · (480) 485-1229).

Collin County, TX Property Tax (1.88%), Landlord Insurance & DSCR Underwriting Guide | FindLoanBrokers.com