1495 School RdMcKinleyvilleCA95519
INVESTMENT ANALYSIS
Investment Verdict
Solid Income1495 School Rd, McKinleyville, CA, 95519 in McKinleyville is a solid income-producing rental, 8.2% gross yield, $2,384/mo rent, $225/mo net cash flow on a $349,000 buy. DSCR 1.52 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $96,422 and $3,214/yr in principal reduction project a total cumulative return of $146,870.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 7.5% |
| Monthly Cash Flow | $225 | $300 |
City averages based on McKinleyville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,384 |
| Total Monthly Debt Service | $2,020 |
| DSCR Ratio | 1.18x |
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 1952
0.74 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95519, Mckinleyville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,328 (100%) |
| Owner Occupied HU | 4,710 (56.6%) |
| Renter Occupied HU | 3,022 (36.3%) |
| Vacant Housing Units | 596 ( 7.2%) |
| Median Home Value | $561,148 |
| Average Home Value | $622,492 |
Housing Distribution
Address Breakdown
Residential
7,932
Single Family
7,826
Multi-Family
106
Businesses
459
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 1952
0.74 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95519, Mckinleyville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,328 (100%) |
| Owner Occupied HU | 4,710 (56.6%) |
| Renter Occupied HU | 3,022 (36.3%) |
| Vacant Housing Units | 596 ( 7.2%) |
| Median Home Value | $561,148 |
| Average Home Value | $622,492 |
Housing Distribution
Address Breakdown
Residential
7,932
Single Family
7,826
Multi-Family
106
Businesses
459
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: HBMLS
Mls ID: #271871