Investing in Williamson County
Williamson County covers 3 rental markets we actively finance in Tennessee — Brentwood, Franklin, Spring Hill. Across those markets the median investment basis averages $830,000, a long-term lease averages $3,617/month, and the average all-in PITIA on a DSCR loan at the minimum down payment is $5,445. That produces a county-wide average DSCR ratio near 0.68x.
Basis varies more inside Williamson County than the average suggests. Spring Hill is the lowest entry point at roughly $490,000, while Spring Hill 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.