Investing in White County
White County covers 2 rental markets we actively finance in Arkansas — Beebe, Searcy. Across those markets the median investment basis averages $205,000, a long-term lease averages $1,613/month, and the average all-in PITIA on a DSCR loan at the minimum down payment is $1,335. That produces a county-wide average DSCR ratio near 1.21x.
Basis varies more inside White County than the average suggests. Searcy is the lowest entry point at roughly $200,000, while Beebe currently models the strongest coverage ratio in the county at 1.24x. 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.