1204 N Occidental Ave #4StocktonCA95203
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis is a cash-flow-light asset: 1204 N Occidental Ave #4, Stockton, CA, 95203 in Stockton, $195,000, 9.77% gross yield, $56/mo net income. Consider it a market-entry position, the $1,588/mo rent covers the $877/mo payment with a margin, and 5%/yr appreciation is projected to add $53,875 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.81) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $79,045.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 6.5% |
| Monthly Cash Flow | $56 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,588 |
| Total Monthly Debt Service | $1,454 |
| DSCR Ratio | 1.09x |
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 1970
1,150 sqft lot
$N/A/sqft
$325 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95203, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,194 (100%) |
| Owner Occupied HU | 2,285 (36.9%) |
| Renter Occupied HU | 3,475 (56.1%) |
| Vacant Housing Units | 434 ( 7.0%) |
| Median Home Value | $396,223 |
| Average Home Value | $493,610 |
Housing Distribution
Address Breakdown
Residential
5,739
Single Family
5,129
Multi-Family
610
Businesses
504
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 1970
1,150 sqft lot
$N/A/sqft
$325 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95203, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,194 (100%) |
| Owner Occupied HU | 2,285 (36.9%) |
| Renter Occupied HU | 3,475 (56.1%) |
| Vacant Housing Units | 434 ( 7.0%) |
| Median Home Value | $396,223 |
| Average Home Value | $493,610 |
Housing Distribution
Address Breakdown
Residential
5,739
Single Family
5,129
Multi-Family
610
Businesses
504
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Beatriz Hurtado Orozco • Realty ONE Group Zoom
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225008483
Disclaimer: Copyright MetroList Services, Inc. All rights reserved. Information is deemed reliable but not guaranteed.