- 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
- Indianapolis 2% Non-Homestead Constitutional Tax Cap
- 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.