228 McCarley PlMcKinneyTX75071
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 228 McCarley Pl, McKinney, TX, 75071 in McKinney is narrow, $138/mo net on $2,141/mo rent after the $1,267/mo debt service, but the property operates at break-even-plus, not a loss. At $281,700 with a 9.12% yield, the long-run equity case via 5% appreciation ($77,829 over five years) and $2,594/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.69 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $116,815.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 5.8% |
| Monthly Cash Flow | $138 | $1,850 |
City averages based on McKinney market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,141 |
| Total Monthly Debt Service | $1,891 |
| 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.
Townhouse
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75071, Mc Kinney, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 33,375 (100%) |
| Owner Occupied HU | 23,340 (69.9%) |
| Renter Occupied HU | 7,244 (21.7%) |
| Vacant Housing Units | 2,791 ( 8.4%) |
| Median Home Value | $534,507 |
| Average Home Value | $574,790 |
Housing Distribution
Address Breakdown
Residential
28,991
Single Family
25,399
Multi-Family
3,592
Businesses
1,491
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
Townhouse
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75071, Mc Kinney, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 33,375 (100%) |
| Owner Occupied HU | 23,340 (69.9%) |
| Renter Occupied HU | 7,244 (21.7%) |
| Vacant Housing Units | 2,791 ( 8.4%) |
| Median Home Value | $534,507 |
| Average Home Value | $574,790 |
Housing Distribution
Address Breakdown
Residential
28,991
Single Family
25,399
Multi-Family
3,592
Businesses
1,491
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices