4820 Buffalo Trace TrlMcKinneyTX75070
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 4820 Buffalo Trace Trl, McKinney, TX, 75070 in McKinney fits: $1,084,606, 4.48% gross yield, and a projected 5% annual appreciation rate adding $299,657 in value within five years. Rental yield 4.48%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.83) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $9,989/yr in principal paydown and $299,657 in appreciation project a total return of $175,400.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 5.8% |
| Monthly Cash Flow | $(3,739) | $1,850 |
City averages based on McKinney market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,048 |
| Total Monthly Debt Service | $7,355 |
| DSCR Ratio | 0.55x |
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
6,534 sqft lot
$N/A/sqft
$880 annually 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 2025
6,534 sqft lot
$N/A/sqft
$880 annually 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
Listed by: Stephen Brooks • Royal Realty, Inc.
Mls Name: NTREIS
Mls ID: #21002363
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.