10412 Rubicon AveStocktonCA95219
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 10412 Rubicon Ave, Stockton, CA, 95219 in Stockton worth study. Rental yield 5.94%. The 5.94% gross yield is below cash-flow benchmarks at $550,000, but 5% annual appreciation, adding $151,955 over five years, frames this as a capital growth position. Rent of $2,724/mo partially offsets the $2,473/mo payment. Ziffy Mortgage finances appreciation-play properties (1.10 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $164,910.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 6.5% |
| Monthly Cash Flow | $(678) | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,724 |
| Total Monthly Debt Service | $3,184 |
| DSCR Ratio | 0.86x |
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 2003
6,329 sqft 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 2003
6,329 sqft 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
Listed by: Rosalie Rios • Realty ONE Group Zoom
Mls Name: MetroList Services of CA
Mls ID: #226006135