10440 Twitty RdStocktonCA95212
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 10440 Twitty Rd, Stockton, CA, 95212 in Stockton at $539,990 earns $3,534/mo in rent and nets $194/mo after the $2,428/mo payment, a 7.85% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $149,189 over five years. Ziffy Mortgage underwrites this on a 1.46 DSCR without U.S. credit history. With $4,973/yr in principal paydown, total projected return reaches $217,231.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.5% |
| Monthly Cash Flow | $194 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,534 |
| Total Monthly Debt Service | $3,126 |
| DSCR Ratio | 1.13x |
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 N/A
6,076 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95212, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,012 (100%) |
| Owner Occupied HU | 6,702 (74.4%) |
| Renter Occupied HU | 2,043 (22.7%) |
| Vacant Housing Units | 267 ( 3.0%) |
| Median Home Value | $585,227 |
| Average Home Value | $650,452 |
Housing Distribution
Address Breakdown
Residential
8,639
Single Family
8,158
Multi-Family
481
Businesses
179
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 N/A
6,076 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95212, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,012 (100%) |
| Owner Occupied HU | 6,702 (74.4%) |
| Renter Occupied HU | 2,043 (22.7%) |
| Vacant Housing Units | 267 ( 3.0%) |
| Median Home Value | $585,227 |
| Average Home Value | $650,452 |
Housing Distribution
Address Breakdown
Residential
8,639
Single Family
8,158
Multi-Family
481
Businesses
179
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lisa Celestino • KB HOME Sales-Northern California Inc
Mls Name: MetroList Services of CA
Mls ID: #225132104