Can you borrow 90% using the property tax value instead of an appraisal?

No. An appraisal would be needed for most purchases and refinances, however recently the gov agencies Fannie and Freddie have an internal algorithm that determines if a property can have an inspection waiver which lenders like us can use in lieu of an appraisal. - Michael Rappaport Branch Manager United Mortgage Charleston 843 -256-4403

I agree with Michael, you will need an appraisal. Normally properties in Greenville appraise for Tax Value or higher. Because of the "storm" there will likely need to be a visual review of the property. We offer renovation loans at 90% if that's something you are interested in.

No, tax value is not used...an appraisal or if fortunate if automated approval excepts the value then appraisal may be waived.