1622 W Rutledge WayStocktonCA95207
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 1622 W Rutledge Way, Stockton, CA, 95207 in Stockton is narrow, $141/mo net on $2,744/mo rent after the $1,866/mo debt service, but the property operates at break-even-plus, not a loss. At $414,900 with a 7.94% yield, the long-run equity case via 5% appreciation ($114,629 over five years) and $3,821/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.47 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $166,530.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.5% |
| Monthly Cash Flow | $141 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,744 |
| Total Monthly Debt Service | $2,438 |
| DSCR Ratio | 1.13x |
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 1951
5,502 sqft lot
$N/A/sqft
$330 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95207, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,555 (100%) |
| Owner Occupied HU | 7,414 (37.9%) |
| Renter Occupied HU | 11,299 (57.8%) |
| Vacant Housing Units | 842 ( 4.3%) |
| Median Home Value | $468,326 |
| Average Home Value | $549,079 |
Housing Distribution
Address Breakdown
Residential
18,901
Single Family
13,699
Multi-Family
5,202
Businesses
1,580
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 1951
5,502 sqft lot
$N/A/sqft
$330 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95207, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,555 (100%) |
| Owner Occupied HU | 7,414 (37.9%) |
| Renter Occupied HU | 11,299 (57.8%) |
| Vacant Housing Units | 842 ( 4.3%) |
| Median Home Value | $468,326 |
| Average Home Value | $549,079 |
Housing Distribution
Address Breakdown
Residential
18,901
Single Family
13,699
Multi-Family
5,202
Businesses
1,580
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices