1221 N Lincoln StStocktonCA95203
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 1221 N Lincoln St, Stockton, CA, 95203 in Stockton at $300,000 earns $2,044/mo in rent and nets $188/mo after the $1,349/mo payment, a 8.17% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $82,884 over five years. Ziffy Mortgage underwrites this on a 1.52 DSCR without U.S. credit history. With $2,763/yr in principal paydown, total projected return reaches $125,896.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.5% |
| Monthly Cash Flow | $188 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,044 |
| Total Monthly Debt Service | $1,736 |
| DSCR Ratio | 1.18x |
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 1911
7,501 sqft lot
$N/A/sqft
No 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
Single Family
Built in 1911
7,501 sqft lot
$N/A/sqft
No 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: Travis Daigre • eXp Realty of Northern California, Inc.
Mls Name: MetroList Services of CA
Mls ID: #226013317