Investing in Chatham County
Chatham County covers 3 rental markets we actively finance in Georgia — Pooler, Savannah, Tybee Island. Across those markets the median investment basis averages $495,000, a long-term lease averages $2,050/month, and the average all-in PITIA on a DSCR loan at the minimum down payment is $3,649. That produces a county-wide average DSCR ratio near 0.62x.
Basis varies more inside Chatham County than the average suggests. Savannah is the lowest entry point at roughly $350,000, while Pooler currently models the strongest coverage ratio in the county at 0.78x. When two towns in the same county ratio differently, it is almost always the rent-to-price relationship rather than the rate — the same loan pricing applies county-wide, so the deal is won on which submarket you buy in.