100-County Underwriting Atlas › Tennessee › Shelby County (Memphis)

Shelby County (Memphis), TN Property Tax, Landlord Insurance & DSCR Underwriting Matrix

Direct Answer (Shelby County (Memphis) PITIA Escrow Takeaway): In Shelby County (Memphis), Tennessee, 1–4 unit investment properties carry an effective property tax rate of 1.42% ($278/mo on a $235,000 median acquisition) and landlord hazard/windstorm insurance averaging $640/yr per $100K ($125/mo), resulting in a combined monthly T&I escrow of $403/mo against a median Form 1007 rent of $1,950/mo. Wholesale DSCR, STR/AirDNA, and Fix & Flip loans in Shelby County (Memphis) are arranged by Loan Daddy LLC (NMLS #2827624 · quotes@loandaddy.ai).
Effective Tax Rate
1.42% ($278/mo)
Landlord Ins. / $100K
$640/yr ($125/mo)
1–4u Price / 75% Loan
$235,000 / $176,250
Form 1007 Median Rent
$1,950/mo

Shelby County (Memphis) 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
Memphis High-Yield SFR Turnkey Rental Hub
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 Shelby County (Memphis), TN DSCR, STR or Fix & Flip Scenario

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

Shelby County (Memphis), TN Property Tax (1.42%), Landlord Insurance & DSCR Underwriting Guide | FindLoanBrokers.com