142 McKinley CirVacavilleCA95687
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 142 McKinley Cir, Vacaville, CA, 95687 in Vacaville is narrow, $160/mo net on $2,786/mo rent after the $1,844/mo debt service, but the property operates at break-even-plus, not a loss. At $410,000 with a 8.16% yield, the long-run equity case via 5% appreciation ($113,275 over five years) and $3,776/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.51 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $166,133.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.0% |
| Monthly Cash Flow | $160 | $1,000 |
City averages based on Vacaville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,786 |
| Total Monthly Debt Service | $2,463 |
| DSCR Ratio | 1.13x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1964
5,663 sqft lot
$N/A/sqft
$1,080 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95687, Vacaville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,485 (100%) |
| Owner Occupied HU | 15,822 (62.1%) |
| Renter Occupied HU | 8,727 (34.2%) |
| Vacant Housing Units | 936 ( 3.7%) |
| Median Home Value | $629,346 |
| Average Home Value | $639,270 |
Housing Distribution
Address Breakdown
Residential
25,066
Single Family
20,621
Multi-Family
4,445
Businesses
878
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1964
5,663 sqft lot
$N/A/sqft
$1,080 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95687, Vacaville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,485 (100%) |
| Owner Occupied HU | 15,822 (62.1%) |
| Renter Occupied HU | 8,727 (34.2%) |
| Vacant Housing Units | 936 ( 3.7%) |
| Median Home Value | $629,346 |
| Average Home Value | $639,270 |
Housing Distribution
Address Breakdown
Residential
25,066
Single Family
20,621
Multi-Family
4,445
Businesses
878
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jimmy Castro • RE/MAX Gold
Mls Name: BAREIS
Mls Provider:
Mls ID: #324090154
Disclaimer: Listing information deemed reliable but not guaranteed. Copyright 2025 Bay Area Real Estate Information Services, Inc. All Right Reserved.