Investing in Collin County
Collin County covers 3 rental markets we actively finance in Texas — Frisco, McKinney, Plano. Across those markets the median investment basis averages $606,667, a long-term lease averages $2,850/month, and the average all-in PITIA on a DSCR loan at the minimum down payment is $4,622. That produces a county-wide average DSCR ratio near 0.62x.
Basis varies more inside Collin County than the average suggests. McKinney is the lowest entry point at roughly $560,000, while Plano currently models the strongest coverage ratio in the county at 0.63x. 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.