100-County Underwriting Atlas › Alabama › Jefferson County (Birmingham)

Jefferson County (Birmingham), AL Property Tax, Landlord Insurance & DSCR Underwriting Matrix

Direct Answer (Jefferson County (Birmingham) PITIA Escrow Takeaway): In Jefferson County (Birmingham), Alabama, 1–4 unit investment properties carry an effective property tax rate of 0.52% ($106/mo on a $245,000 median acquisition) and landlord hazard/windstorm insurance averaging $640/yr per $100K ($131/mo), resulting in a combined monthly T&I escrow of $237/mo against a median Form 1007 rent of $1,950/mo. Wholesale DSCR, STR/AirDNA, and Fix & Flip loans in Jefferson County (Birmingham) are arranged by Loan Daddy LLC (NMLS #2827624 · [email protected]).

Effective Tax Rate

0.52% ($106/mo)

Landlord Ins. / $100K

$640/yr ($131/mo)

1–4u Price / 75% Loan

$245,000 / $183,750

Form 1007 Median Rent

$1,950/mo

Jefferson County (Birmingham) 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: Alabama Class II (20% Non-Homestead Assessment Ratio)
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 Jefferson County (Birmingham), AL DSCR, STR or Fix & Flip Scenario

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

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