1942 Calafia CtTracyCA95376
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 1942 Calafia Ct, Tracy, CA, 95376 in Tracy. Rental yield 5.12%. At $649,777 with 5.12% gross yield, current distributions are modest, but the 5% appreciation rate projects $179,521 in new equity by year five, complemented by $5,985/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.95) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $160,510.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 5.0% |
| Monthly Cash Flow | $(1,341) | $300 |
City averages based on Tracy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,773 |
| Total Monthly Debt Service | $3,855 |
| DSCR Ratio | 0.72x |
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 1993
6,678 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95376, Tracy, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,258 (100%) |
| Owner Occupied HU | 9,933 (57.6%) |
| Renter Occupied HU | 6,865 (39.8%) |
| Vacant Housing Units | 460 ( 2.7%) |
| Median Home Value | $616,695 |
| Average Home Value | $632,596 |
Housing Distribution
Address Breakdown
Residential
16,979
Single Family
15,266
Multi-Family
1,713
Businesses
1,040
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 1993
6,678 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95376, Tracy, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,258 (100%) |
| Owner Occupied HU | 9,933 (57.6%) |
| Renter Occupied HU | 6,865 (39.8%) |
| Vacant Housing Units | 460 ( 2.7%) |
| Median Home Value | $616,695 |
| Average Home Value | $632,596 |
Housing Distribution
Address Breakdown
Residential
16,979
Single Family
15,266
Multi-Family
1,713
Businesses
1,040
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: John J Figone • Luxe Places International Real
Mls Name: BAREIS
Mls Provider:
Mls ID: #225039973
Disclaimer: Listing information deemed reliable but not guaranteed. Copyright 2025 Bay Area Real Estate Information Services, Inc. All Right Reserved.