{
  "country": "US",
  "region": "OK",
  "regionName": "Oklahoma",
  "isScaffold": true,
  "currency": "USD",
  "currencySymbol": "$",
  "locale": "en-US",
  "lengthUnit": "sqft",
  "mortgageCompounding": "monthly",
  "minDownPct": 0.03,
  "defaultAmortYears": 30,
  "mortgageInsuranceName": "PMI",
  "pmiRate": [
    {
      "ltv": 0.97,
      "rate": 0.008
    },
    {
      "ltv": 0.95,
      "rate": 0.007
    },
    {
      "ltv": 0.9,
      "rate": 0.005
    },
    {
      "ltv": 0.85,
      "rate": 0.003
    },
    {
      "ltv": 0.8,
      "rate": 0
    }
  ],
  "transferTaxLayers": [
    {
      "name": "Oklahoma Transfer Tax (Scaffold — Verify)",
      "brackets": [
        {
          "upTo": null,
          "rate": 0.001
        }
      ],
      "notes": "SCAFFOLD: Transfer tax details have not been verified for this state. Do not rely on this figure."
    }
  ],
  "typicalPropertyTaxRate": 0.012,
  "depreciationMethod": "MACRS",
  "depreciationRate": 0.03636,
  "capitalGainsInclusionRate": 0.15,
  "salesTaxOnNewConstruction": 0,
  "deposit": {
    "cap": 2,
    "interestRate": null,
    "holdType": "any"
  },
  "rentIncrease": {
    "guideline": null,
    "noticeDays": 30,
    "belowMarketExempt": false,
    "abi1482Style": false
  },
  "lateFeeMax": null,
  "lateFeeGraceDays": 3,
  "str": {
    "requiresLicense": null,
    "primaryResidenceOnly": null
  },
  "officialLinks": {
    "revenueDept": "https://www.irs.gov/"
  },
  "lastVerified": null,
  "notes": "SCAFFOLD pack for Oklahoma. Rules are placeholders — verify all figures against official Oklahoma government sources before relying on them."
}