100-County Underwriting Atlas › Maryland › Baltimore City

Baltimore City, MD Property Tax, Landlord Insurance & DSCR Underwriting Matrix

Direct Answer (Baltimore City PITIA Escrow Takeaway): In Baltimore City, Maryland, 1–4 unit investment properties carry an effective property tax rate of 2.24% ($439/mo on a $235,000 median acquisition) and landlord hazard/windstorm insurance averaging $650/yr per $100K ($127/mo), resulting in a combined monthly T&I escrow of $566/mo against a median Form 1007 rent of $2,150/mo. Wholesale DSCR, STR/AirDNA, and Fix & Flip loans in Baltimore City are arranged by Loan Daddy LLC (NMLS #2827624 · [email protected]).

Effective Tax Rate

2.24% ($439/mo)

Landlord Ins. / $100K

$650/yr ($127/mo)

1–4u Price / 75% Loan

$235,000 / $176,250

Form 1007 Median Rent

$2,150/mo

Baltimore City 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: Baltimore MDE Lead-Free Certificate + Rental Registration Required
3. Mortgage Recording, Doc Stamp & Transfer Tax Rule: Combined State + County Realty Transfer & Recordation Tax (typically 2.0%–4.28% split between buyer and seller by local custom).
4. Wholesale Escrow & Tax-Reduction Strategy: Underwrite post-acquisition tax bill using county millage calculator to prevent Year-2 escrow shortage.

Price a Baltimore City, MD DSCR, STR or Fix & Flip Scenario

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

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