100-County Underwriting Atlas › South Carolina › Horry County (Myrtle Beach)

Horry County (Myrtle Beach), SC Property Tax, Landlord Insurance & DSCR Underwriting Matrix

Direct Answer (Horry County (Myrtle Beach) PITIA Escrow Takeaway): In Horry County (Myrtle Beach), South Carolina, 1–4 unit investment properties carry an effective property tax rate of 0.86% ($254/mo on a $355,000 median acquisition) and landlord hazard/windstorm insurance averaging $940/yr per $100K ($278/mo), resulting in a combined monthly T&I escrow of $532/mo against a median Form 1007 rent of $2,950/mo. Wholesale DSCR, STR/AirDNA, and Fix & Flip loans in Horry County (Myrtle Beach) are arranged by Loan Daddy LLC (NMLS #2827624 · [email protected]).

Effective Tax Rate

0.86% ($254/mo)

Landlord Ins. / $100K

$940/yr ($278/mo)

1–4u Price / 75% Loan

$355,000 / $266,250

Form 1007 Median Rent

$2,950/mo

Horry County (Myrtle Beach) Assessor Reassessment, Wind/Flood & Transfer-Tax Rules

1. Post-Acquisition Tax Reassessment Trigger: 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.
2. Hazard, Windstorm & Catastrophe Insurance Tier: Grand Strand Condotel & Coastal STR Wind/Flood Zone
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 Horry County (Myrtle Beach), SC DSCR, STR or Fix & Flip Scenario

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

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