100-County Underwriting Atlas › Oklahoma › Oklahoma County (OKC)

Oklahoma County (OKC), OK Property Tax, Landlord Insurance & DSCR Underwriting Matrix

Direct Answer (Oklahoma County (OKC) PITIA Escrow Takeaway): In Oklahoma County (OKC), Oklahoma, 1–4 unit investment properties carry an effective property tax rate of 0.98% ($208/mo on a $255,000 median acquisition) and landlord hazard/windstorm insurance averaging $860/yr per $100K ($183/mo), resulting in a combined monthly T&I escrow of $391/mo against a median Form 1007 rent of $2,100/mo. Wholesale DSCR, STR/AirDNA, and Fix & Flip loans in Oklahoma County (OKC) are arranged by Loan Daddy LLC (NMLS #2827624 · [email protected]).

Effective Tax Rate

0.98% ($208/mo)

Landlord Ins. / $100K

$860/yr ($183/mo)

1–4u Price / 75% Loan

$255,000 / $191,250

Form 1007 Median Rent

$2,100/mo

Oklahoma County (OKC) 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: Plains Wind/Hail Deductible Audit (1%–2% Roof Deductible)
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 Oklahoma County (OKC), OK DSCR, STR or Fix & Flip Scenario

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

Request Oklahoma County (OKC) Term Sheet →Oklahoma State Hub OK Market Report OK Deal Team