4774 Aster AveMcKinleyvilleCA95519
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 4774 Aster Ave, McKinleyville, CA, 95519 in McKinleyville at $737,900, 5.73% gross yield, is a market-growth asset. Rental yield 5.73%. The $3,524/mo rent partially funds the $3,318/mo debt service; the core return is the 5%/yr price growth projected to add $203,868 over five years. Ziffy Mortgage's DSCR mortgage (1.06) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $212,811.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.7% | 7.5% |
| Monthly Cash Flow | $(1,040) | $300 |
City averages based on McKinleyville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,524 |
| Total Monthly Debt Service | $4,271 |
| DSCR Ratio | 0.83x |
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 1990
0.88 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 1990
0.88 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: Kyla Nored • The Land Man Office
Mls Name: HBMLS
Mls Provider:
Mls ID: #268911
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.