Investing in Fayette County
Fayette County covers 2 rental markets we actively finance in Georgia — Fayetteville, Peachtree City. Across those markets the median investment basis averages $480,000, a long-term lease averages $2,375/month, and the average all-in PITIA on a DSCR loan at the minimum down payment is $3,245. That produces a county-wide average DSCR ratio near 0.73x.
Basis varies more inside Fayette County than the average suggests. Fayetteville is the lowest entry point at roughly $440,000, while Fayetteville currently models the strongest coverage ratio in the county at 0.75x. 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.