100-County Underwriting Atlas › Ohio › Montgomery County

Montgomery County, OH Property Tax, Landlord Insurance & DSCR Underwriting Matrix

Direct Answer (Montgomery County PITIA Escrow Takeaway): In Montgomery County, Ohio, 1–4 unit investment properties carry an effective property tax rate of 1.82% ($326/mo on a $215,000 median acquisition) and landlord hazard/windstorm insurance averaging $525/yr per $100K ($94/mo), resulting in a combined monthly T&I escrow of $420/mo against a median Form 1007 rent of $1,900/mo. Wholesale DSCR, STR/AirDNA, and Fix & Flip loans in Montgomery County are arranged by Loan Daddy LLC (NMLS #2827624 · quotes@loandaddy.ai).
Effective Tax Rate
1.82% ($326/mo)
Landlord Ins. / $100K
$525/yr ($94/mo)
1–4u Price / 75% Loan
$215,000 / $161,250
Form 1007 Median Rent
$1,900/mo

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

1. Post-Acquisition Tax Reassessment Trigger
Statutory county assessor periodic revaluation; underwriters use post-acquisition projected tax bill (typically 85%–100% of purchase price × county millage rate).
2. Hazard, Windstorm & Catastrophe Insurance Tier
Dayton Workforce Multifamily Hub
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 Montgomery County, OH DSCR, STR or Fix & Flip Scenario

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

Montgomery County, OH Property Tax (1.82%), Landlord Insurance & DSCR Underwriting Guide | FindLoanBrokers.com