122 E Monterey AveStocktonCA95204
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.68% yield at 122 E Monterey Ave, Stockton, CA, 95204 in Stockton is solid, but the $1,596/mo payment compresses net cash flow to $77/mo at $355,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $98,080 by year five, and $3,270/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.42) without U.S. income documentation. Total projected return: $139,601.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.5% |
| Monthly Cash Flow | $77 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,273 |
| Total Monthly Debt Service | $2,055 |
| DSCR Ratio | 1.11x |
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 1925
5,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95204, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,023 (100%) |
| Owner Occupied HU | 6,377 (53.0%) |
| Renter Occupied HU | 5,013 (41.7%) |
| Vacant Housing Units | 633 ( 5.3%) |
| Median Home Value | $435,196 |
| Average Home Value | $536,909 |
Housing Distribution
Address Breakdown
Residential
11,631
Single Family
10,092
Multi-Family
1,539
Businesses
730
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 1925
5,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95204, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,023 (100%) |
| Owner Occupied HU | 6,377 (53.0%) |
| Renter Occupied HU | 5,013 (41.7%) |
| Vacant Housing Units | 633 ( 5.3%) |
| Median Home Value | $435,196 |
| Average Home Value | $536,909 |
Housing Distribution
Address Breakdown
Residential
11,631
Single Family
10,092
Multi-Family
1,539
Businesses
730
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Liliana Calderini • JRP Realty Group
Mls Name: MetroList Services of CA
Mls ID: #225153353