1077 Rivara Rd APT 215StocktonCA95207
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis is a cash-flow-light asset: 1077 Rivara Rd APT 215, Stockton, CA, 95207 in Stockton, $292,000, 9.85% gross yield, $131/mo net income. Consider it a market-entry position, the $2,398/mo rent covers the $1,313/mo payment with a margin, and 5%/yr appreciation is projected to add $80,674 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.83) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $148,805.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 6.5% |
| Monthly Cash Flow | $131 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,398 |
| Total Monthly Debt Service | $1,690 |
| DSCR Ratio | 1.42x |
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.
Condo
Built in 1969
535.79 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95207, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,555 (100%) |
| Owner Occupied HU | 7,414 (37.9%) |
| Renter Occupied HU | 11,299 (57.8%) |
| Vacant Housing Units | 842 ( 4.3%) |
| Median Home Value | $468,326 |
| Average Home Value | $549,079 |
Housing Distribution
Address Breakdown
Residential
18,901
Single Family
13,699
Multi-Family
5,202
Businesses
1,580
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
Condo
Built in 1969
535.79 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95207, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,555 (100%) |
| Owner Occupied HU | 7,414 (37.9%) |
| Renter Occupied HU | 11,299 (57.8%) |
| Vacant Housing Units | 842 ( 4.3%) |
| Median Home Value | $468,326 |
| Average Home Value | $549,079 |
Housing Distribution
Address Breakdown
Residential
18,901
Single Family
13,699
Multi-Family
5,202
Businesses
1,580
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MetroList Services of CA
Mls ID: #226029009