In Prince George's County, Maryland (Prince George's County, MD metro), 1–4 unit investment properties carry an average effective property tax rate of 1.38% and landlord hazard insurance averaging $560 per $100K of coverage. At a median 1–4 unit acquisition price of $425,000 and Form 1007 market rent of $3,050/mo, a 75% LTV DSCR loan models at 1.11x DSCR ($2,754/mo total PITIA).
Statutory county assessor periodic revaluation; underwriters use post-acquisition projected tax bill (typically 85%–100% of purchase price × county millage rate).
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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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