In Charleston County, South Carolina (Charleston County, SC metro), 1–4 unit investment properties carry an average effective property tax rate of 0.92% and landlord hazard insurance averaging $890 per $100K of coverage. At a median 1–4 unit acquisition price of $540,000 and Form 1007 market rent of $3,850/mo, a 75% LTV DSCR loan models at 1.12x DSCR ($3,442/mo total PITIA).
South Carolina 6% Investment Assessment Ratio: Non-owner-occupied investment properties are assessed at 6% of fair market value (plus non-exempt school operating millage), roughly 2.5x–3x owner-occupied 4% taxes.
SC 6% Non-Owner Occupied Assessment Ratio + Coastal Named-Storm
Standard county deed recording & nominal transfer fee ($50–$350 flat or ≤0.20% of consideration).
Underwrite post-acquisition tax bill using county millage calculator to prevent Year-2 escrow shortage.
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