100-County Underwriting Atlas › California › San Bernardino County

San Bernardino County, CA Property Tax, Landlord Insurance & DSCR Underwriting Matrix

Direct Answer (San Bernardino County PITIA Escrow Takeaway): In San Bernardino County, California, 1–4 unit investment properties carry an effective property tax rate of 0.82% ($352/mo on a $515,000 median acquisition) and landlord hazard/windstorm insurance averaging $515/yr per $100K ($221/mo), resulting in a combined monthly T&I escrow of $573/mo against a median Form 1007 rent of $3,600/mo. Wholesale DSCR, STR/AirDNA, and Fix & Flip loans in San Bernardino County are arranged by Loan Daddy LLC (NMLS #2827624 · [email protected]).

Effective Tax Rate

0.82% ($352/mo)

Landlord Ins. / $100K

$515/yr ($221/mo)

1–4u Price / 75% Loan

$515,000 / $386,250

Form 1007 Median Rent

$3,600/mo

San Bernardino County Assessor Reassessment, Wind/Flood & Transfer-Tax Rules

1. Post-Acquisition Tax Reassessment Trigger: California Prop 13: Reassessed to 100% of purchase price at acquisition; capped at max 2% annual inflation increase thereafter.
2. Hazard, Windstorm & Catastrophe Insurance Tier: Inland Empire + Big Bear WUI 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 San Bernardino County, CA DSCR, STR or Fix & Flip Scenario

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

Request San Bernardino County Term Sheet →California State Hub CA Market Report CA Deal Team