3725 Cobblecreek DrMcKinneyTX75070
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 3725 Cobblecreek Dr, McKinney, TX, 75070 in McKinney at $537,100 earns $3,971/mo in rent and nets $69/mo after the $2,415/mo payment, a 8.87% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $148,391 over five years. Ziffy Mortgage underwrites this on a 1.64 DSCR without U.S. credit history. With $4,947/yr in principal paydown, total projected return reaches $210,630.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 5.8% |
| Monthly Cash Flow | $69 | $1,850 |
City averages based on McKinney market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,971 |
| Total Monthly Debt Service | $3,688 |
| DSCR Ratio | 1.08x |
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 2017
3,497 sqft lot
$N/A/sqft
$50 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75070, Mc Kinney, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 28,167 (100%) |
| Owner Occupied HU | 12,389 (44.0%) |
| Renter Occupied HU | 12,828 (45.5%) |
| Vacant Housing Units | 2,950 (10.5%) |
| Median Home Value | $510,838 |
| Average Home Value | $562,736 |
Housing Distribution
Address Breakdown
Residential
26,297
Single Family
14,288
Multi-Family
12,009
Businesses
2,441
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 2017
3,497 sqft lot
$N/A/sqft
$50 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75070, Mc Kinney, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 28,167 (100%) |
| Owner Occupied HU | 12,389 (44.0%) |
| Renter Occupied HU | 12,828 (45.5%) |
| Vacant Housing Units | 2,950 (10.5%) |
| Median Home Value | $510,838 |
| Average Home Value | $562,736 |
Housing Distribution
Address Breakdown
Residential
26,297
Single Family
14,288
Multi-Family
12,009
Businesses
2,441
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices