In Montgomery County, Pennsylvania (Montgomery County, PA metro), 1–4 unit investment properties carry an average effective property tax rate of 1.48% and landlord hazard insurance averaging $550 per $100K of coverage. At a median 1–4 unit acquisition price of $445,000 and Form 1007 market rent of $3,150/mo, a 75% LTV DSCR loan models at 1.08x DSCR ($2,918/mo total PITIA).
Statutory county assessor periodic revaluation; underwriters use post-acquisition projected tax bill (typically 85%–100% of purchase price × county millage rate).
Main Line Philadelphia Suburban Corridor
Combined State + County Realty Transfer & Recordation Tax (typically 2.0%–4.28% split between buyer and seller by local custom).
Underwrite post-acquisition tax bill using county millage calculator to prevent Year-2 escrow shortage.
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