1236 Occidental Ave UNIT 3StocktonCA95203
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 1236 Occidental Ave UNIT 3, Stockton, CA, 95203 in Stockton achieves a 1.72 ratio at $188,998: $1,465/mo rent versus $850/mo debt service. Rental yield 9.11%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 9.11% yield compounds alongside 5% annual appreciation projecting $52,217 in value. Total projected cumulative return: $67,282.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.5% |
| Monthly Cash Flow | $(124) | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,465 |
| Total Monthly Debt Service | $1,484 |
| DSCR Ratio | 0.99x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1970
418.18 sqft lot
$N/A/sqft
$390 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
Single Family
Built in 1970
418.18 sqft lot
$N/A/sqft
$390 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: Tammie Gipson • Keller Williams Realty
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225052898
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