1401 N San Joaquin StStocktonCA95202
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 1401 N San Joaquin St, Stockton, CA, 95202 in Stockton is capital appreciation. Rental yield 5.64%. The 5.64% gross yield at $488,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $134,825 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (1.05) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $138,562.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 6.5% |
| Monthly Cash Flow | $(723) | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,296 |
| Total Monthly Debt Service | $2,825 |
| DSCR Ratio | 0.81x |
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 1909
5,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95202, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,533 (100%) |
| Owner Occupied HU | 221 ( 6.3%) |
| Renter Occupied HU | 2,931 (83.0%) |
| Vacant Housing Units | 381 (10.8%) |
| Median Home Value | $400,769 |
| Average Home Value | $430,904 |
Housing Distribution
Address Breakdown
Residential
3,274
Single Family
1,001
Multi-Family
2,273
Businesses
709
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 1909
5,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95202, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,533 (100%) |
| Owner Occupied HU | 221 ( 6.3%) |
| Renter Occupied HU | 2,931 (83.0%) |
| Vacant Housing Units | 381 (10.8%) |
| Median Home Value | $400,769 |
| Average Home Value | $430,904 |
Housing Distribution
Address Breakdown
Residential
3,274
Single Family
1,001
Multi-Family
2,273
Businesses
709
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MetroList Services of CA
Mls ID: #225144089