100-County Underwriting Atlas › California › San Diego County

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

Direct Answer (San Diego County PITIA Escrow Takeaway): In San Diego County, California, 1–4 unit investment properties carry an effective property tax rate of 0.74% ($530/mo on a $860,000 median acquisition) and landlord hazard/windstorm insurance averaging $495/yr per $100K ($355/mo), resulting in a combined monthly T&I escrow of $885/mo against a median Form 1007 rent of $5,400/mo. Wholesale DSCR, STR/AirDNA, and Fix & Flip loans in San Diego County are arranged by Loan Daddy LLC (NMLS #2827624 · [email protected]).

Effective Tax Rate

0.74% ($530/mo)

Landlord Ins. / $100K

$495/yr ($355/mo)

1–4u Price / 75% Loan

$860,000 / $645,000

Form 1007 Median Rent

$5,400/mo

San Diego 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: Coastal / Inland Brush Overlay
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 Diego County, CA DSCR, STR or Fix & Flip Scenario

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

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