1812 N Stanford AveStocktonCA95205
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 1812 N Stanford Ave, Stockton, CA, 95205 in Stockton at $325,000 earns $2,062/mo in rent and nets $51/mo after the $1,461/mo payment, a 7.61% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $89,792 over five years. Ziffy Mortgage underwrites this on a 1.41 DSCR without U.S. credit history. With $2,993/yr in principal paydown, total projected return reaches $126,606.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.5% |
| Monthly Cash Flow | $51 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,062 |
| Total Monthly Debt Service | $1,881 |
| DSCR Ratio | 1.10x |
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 1937
4,752 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95205, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,581 (100%) |
| Owner Occupied HU | 5,291 (45.7%) |
| Renter Occupied HU | 5,677 (49.0%) |
| Vacant Housing Units | 613 ( 5.3%) |
| Median Home Value | $310,501 |
| Average Home Value | $395,854 |
Housing Distribution
Address Breakdown
Residential
10,791
Single Family
10,341
Multi-Family
450
Businesses
1,246
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 1937
4,752 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95205, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,581 (100%) |
| Owner Occupied HU | 5,291 (45.7%) |
| Renter Occupied HU | 5,677 (49.0%) |
| Vacant Housing Units | 613 ( 5.3%) |
| Median Home Value | $310,501 |
| Average Home Value | $395,854 |
Housing Distribution
Address Breakdown
Residential
10,791
Single Family
10,341
Multi-Family
450
Businesses
1,246
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Norma Roley • RE/MAX Grupe Gold
Mls Name: MetroList Services of CA
Mls ID: #225060908