4660 Lake Breeze DrMcKinneyTX75071
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 3.47% gross rental yield, 4660 Lake Breeze Dr, McKinney, TX, 75071 in McKinney is priced for capital growth, not immediate cash flow. The $1,175,500 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $324,769 by year five, with $10,826/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.64) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $123,060.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.5% | 5.8% |
| Monthly Cash Flow | $(5,097) | $1,850 |
City averages based on McKinney market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,400 |
| Total Monthly Debt Service | $8,029 |
| DSCR Ratio | 0.42x |
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 2025
1.33 Acres lot
$N/A/sqft
$825 semi-annually 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
Single Family
Built in 2025
1.33 Acres lot
$N/A/sqft
$825 semi-annually 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
Listed by: Jonathan Finkenbiner • J. Williams Real Estate Srvcs
Mls Name: NTREIS
Mls ID: #20913825
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.