6153 Roper RdMcKinneyTX75070
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 6153 Roper Rd, McKinney, TX, 75070 in McKinney is narrow, $103/mo net on $2,856/mo rent after the $1,551/mo debt service, but the property operates at break-even-plus, not a loss. At $345,000 with a 9.93% yield, the long-run equity case via 5% appreciation ($95,317 over five years) and $3,177/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.84 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $158,157.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 5.8% |
| Monthly Cash Flow | $103 | $1,850 |
City averages based on McKinney market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,856 |
| Total Monthly Debt Service | $2,316 |
| DSCR Ratio | 1.23x |
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.
Townhouse
Built in 2020
1,960 sqft lot
$N/A/sqft
No 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
Townhouse
Built in 2020
1,960 sqft lot
$N/A/sqft
No 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