100-County Underwriting Atlas › Ohio › Cuyahoga County

Cuyahoga County, OH Property Tax, Landlord Insurance & DSCR Underwriting Matrix

Direct Answer (Cuyahoga County PITIA Escrow Takeaway): In Cuyahoga County, Ohio, 1–4 unit investment properties carry an effective property tax rate of 2.12% ($398/mo on a $225,000 median acquisition) and landlord hazard/windstorm insurance averaging $540/yr per $100K ($101/mo), resulting in a combined monthly T&I escrow of $499/mo against a median Form 1007 rent of $2,050/mo. Wholesale DSCR, STR/AirDNA, and Fix & Flip loans in Cuyahoga County are arranged by Loan Daddy LLC (NMLS #2827624 · [email protected]).

Effective Tax Rate

2.12% ($398/mo)

Landlord Ins. / $100K

$540/yr ($101/mo)

1–4u Price / 75% Loan

$225,000 / $168,750

Form 1007 Median Rent

$2,050/mo

Cuyahoga County 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: Cleveland Point-of-Sale Inspection Check
3. Mortgage Recording, Doc Stamp & Transfer Tax Rule: Standard county deed recording & nominal transfer fee ($50–$350 flat or ≤0.20% of consideration).
4. Wholesale Escrow & Tax-Reduction Strategy: Underwrite post-acquisition tax bill using county millage calculator to prevent Year-2 escrow shortage.

Price a Cuyahoga County, OH DSCR, STR or Fix & Flip Scenario

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

Request Cuyahoga County Term Sheet →Ohio State Hub OH Market Report OH Deal Team