Investing in Plymouth County
Plymouth County covers 3 rental markets we actively finance in Massachusetts — Brockton, Marshfield, Plymouth. Across those markets the median investment basis averages $575,000, a long-term lease averages $2,550/month, and the average all-in PITIA on a DSCR loan at the minimum down payment is $4,265. That produces a county-wide average DSCR ratio near 0.61x.
Basis varies more inside Plymouth County than the average suggests. Brockton is the lowest entry point at roughly $475,000, while Brockton currently models the strongest coverage ratio in the county at 0.71x. 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.