10853 Fire Island CirStocktonCA95209
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 10853 Fire Island Cir, Stockton, CA, 95209 in Stockton: $4,487/mo in rent, $1,003/mo net, 10.16% gross yield, all on a $529,888 acquisition. The 1.88 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $146,398 in value, and $4,880/yr in principal paydown steadily builds equity. Projected total cumulative return: $266,425.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.2% | 6.5% |
| Monthly Cash Flow | $1,003 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,487 |
| Total Monthly Debt Service | $3,273 |
| DSCR Ratio | 1.37x |
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 1993
6,617 sqft lot
$N/A/sqft
$220 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95209, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,784 (100%) |
| Owner Occupied HU | 9,326 (67.7%) |
| Renter Occupied HU | 4,034 (29.3%) |
| Vacant Housing Units | 424 ( 3.1%) |
| Median Home Value | $507,286 |
| Average Home Value | $550,649 |
Housing Distribution
Address Breakdown
Residential
13,917
Single Family
13,023
Multi-Family
894
Businesses
255
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 1993
6,617 sqft lot
$N/A/sqft
$220 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95209, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,784 (100%) |
| Owner Occupied HU | 9,326 (67.7%) |
| Renter Occupied HU | 4,034 (29.3%) |
| Vacant Housing Units | 424 ( 3.1%) |
| Median Home Value | $507,286 |
| Average Home Value | $550,649 |
Housing Distribution
Address Breakdown
Residential
13,917
Single Family
13,023
Multi-Family
894
Businesses
255
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices