1601 White Rock DrTracyCA95377
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 1601 White Rock Dr, Tracy, CA, 95377 in Tracy the bet is firmly on appreciation. Rental yield 5.03%. The 5.03% gross yield on a $849,995 price is below income-first thresholds, but 5%/yr value growth projects $234,838 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.93) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $190,952.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 5.0% |
| Monthly Cash Flow | $(2,067) | $300 |
City averages based on Tracy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,566 |
| Total Monthly Debt Service | $5,295 |
| DSCR Ratio | 0.67x |
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 2025
7,344 sqft lot
$N/A/sqft
$375 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95377, Tracy, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,162 (100%) |
| Owner Occupied HU | 8,848 (72.8%) |
| Renter Occupied HU | 2,817 (23.2%) |
| Vacant Housing Units | 497 ( 4.1%) |
| Median Home Value | $780,637 |
| Average Home Value | $808,289 |
Housing Distribution
Address Breakdown
Residential
11,830
Single Family
10,711
Multi-Family
1,119
Businesses
302
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 2025
7,344 sqft lot
$N/A/sqft
$375 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95377, Tracy, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,162 (100%) |
| Owner Occupied HU | 8,848 (72.8%) |
| Renter Occupied HU | 2,817 (23.2%) |
| Vacant Housing Units | 497 ( 4.1%) |
| Median Home Value | $780,637 |
| Average Home Value | $808,289 |
Housing Distribution
Address Breakdown
Residential
11,830
Single Family
10,711
Multi-Family
1,119
Businesses
302
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Bernie Romero • Toll Brothers Real Estate,inc
Mls Name: CCAR
Mls Provider:
Mls ID: #41088415
Disclaimer: CCAR 2025. Bay East 2025. bridgeMLS 2025. Information Deemed Reliable But Not Guaranteed. This information is being provided by the CCAR MLS, or Bay East MLS, or bridgeMLS. The listings presented here may or may not be listed by the Broker/Agent operating this website. This information is intended for the personal use of consumers and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated at 2025-09-10 20:38:34 PDT