4373 Central AveMcKinleyvilleCA95519
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 4373 Central Ave, McKinleyville, CA, 95519 in McKinleyville fits: $1,900,000, 2.3% gross yield, and a projected 5% annual appreciation rate adding $524,935 in value within five years. Rental yield 2.3%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.39) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $17,499/yr in principal paydown and $524,935 in appreciation project a total return of $173,022.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.3% | 7.5% |
| Monthly Cash Flow | $(8,183) | $300 |
City averages based on McKinleyville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,314 |
| Total Monthly Debt Service | $11,069 |
| DSCR Ratio | 0.30x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1981
5.87 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 1981
5.87 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: Sandra 'Sandi' DeLuca • Coldwell Banker Sellers Realty
Mls Name: HBMLS
Mls Provider:
Mls ID: #267483
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.