10354 Baldy DrStocktonCA95219
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 10354 Baldy Dr, Stockton, CA, 95219 in Stockton earns a 9.99% gross yield at $703,309. Rent of $5,856/mo nets $1,505/mo after the $3,163/mo mortgage. The 1.85 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $194,311 and $6,478/yr in equity accumulation project a total cumulative return of $363,524.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 6.5% |
| Monthly Cash Flow | $1,505 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,856 |
| Total Monthly Debt Service | $4,071 |
| DSCR Ratio | 1.44x |
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.
Single Family
Built in 2024
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95219, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,318 (100%) |
| Owner Occupied HU | 7,449 (60.5%) |
| Renter Occupied HU | 4,422 (35.9%) |
| Vacant Housing Units | 447 ( 3.6%) |
| Median Home Value | $626,054 |
| Average Home Value | $665,298 |
Housing Distribution
Address Breakdown
Residential
11,720
Single Family
9,208
Multi-Family
2,512
Businesses
479
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 2024
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95219, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,318 (100%) |
| Owner Occupied HU | 7,449 (60.5%) |
| Renter Occupied HU | 4,422 (35.9%) |
| Vacant Housing Units | 447 ( 3.6%) |
| Median Home Value | $626,054 |
| Average Home Value | $665,298 |
Housing Distribution
Address Breakdown
Residential
11,720
Single Family
9,208
Multi-Family
2,512
Businesses
479
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices