Bexar County, TX Metro · Texas County Underwriting Brief

Bexar County, TX DSCR Property Tax, Windstorm & Transfer Tax Guide

In Bexar County, Texas (Bexar County, TX metro), 1–4 unit investment properties carry an average effective property tax rate of 1.98% and landlord hazard insurance averaging $760 per $100K of coverage. At a median 1–4 unit acquisition price of $315,000 and Form 1007 market rent of $2,500/mo, a 75% LTV DSCR loan models at 1.11x DSCR ($2,252/mo total PITIA).

Effective Property Tax

1.98%

Est. $520/mo at median

Landlord Ins / $100K

$760/yr

Est. $200/mo DP-3

Median 1–4 Unit Price

$315,000

75% LTV: $236,250

Modeled 75% LTV DSCR

1.11x

$2,500 rent / $2,252 PITIA

Bexar County Escrow & Closing-Cost Underwriting Rules

1. Post-Acquisition Tax Reassessment

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. Windstorm, Flood & Hazard Tier

South Central TX Standard Wind/Hail

3. Transfer & Mortgage Recording Taxes

Standard county deed recording & nominal transfer fee ($50–$350 flat or ≤0.20% of consideration).

4. CEMA / Doc-Stamp Optimization Strategy

Underwrite post-acquisition tax bill using county millage calculator to prevent Year-2 escrow shortage.