1849 Bella Vista DrStocktonCA95206
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 1849 Bella Vista Dr, Stockton, CA, 95206 in Stockton. Priced at $524,890, it generates $4,978/mo in gross rent and $1,559/mo in net monthly cash flow, a 11.38% yield that comfortably supports the 2.11 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $18,703. Five-year appreciation: $145,017. Equity from principal paydown: $4,834/yr. Total projected cumulative return: $300,148.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.4% | 6.5% |
| Monthly Cash Flow | $1,559 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,978 |
| Total Monthly Debt Service | $3,210 |
| DSCR Ratio | 1.55x |
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 2007
4,082 sqft lot
$N/A/sqft
$105 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95206, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,908 (100%) |
| Owner Occupied HU | 10,734 (56.8%) |
| Renter Occupied HU | 7,533 (39.8%) |
| Vacant Housing Units | 641 ( 3.4%) |
| Median Home Value | $429,135 |
| Average Home Value | $483,139 |
Housing Distribution
Address Breakdown
Residential
18,130
Single Family
17,833
Multi-Family
297
Businesses
848
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 2007
4,082 sqft lot
$N/A/sqft
$105 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95206, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,908 (100%) |
| Owner Occupied HU | 10,734 (56.8%) |
| Renter Occupied HU | 7,533 (39.8%) |
| Vacant Housing Units | 641 ( 3.4%) |
| Median Home Value | $429,135 |
| Average Home Value | $483,139 |
Housing Distribution
Address Breakdown
Residential
18,130
Single Family
17,833
Multi-Family
297
Businesses
848
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices