2004-2006 Comstock DrStocktonCA95209
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play2004-2006 Comstock Dr, Stockton, CA, 95209 in Stockton is priced for appreciation, not yield. Rental yield 4.58%. At $579,000 with a 4.58% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $159,967 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.85) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $131,268.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 6.5% |
| Monthly Cash Flow | $(1,371) | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,210 |
| Total Monthly Debt Service | $3,351 |
| DSCR Ratio | 0.66x |
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.
Multi Family
Built in 1978
6,800 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95209, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,784 (100%) |
| Owner Occupied HU | 9,326 (67.7%) |
| Renter Occupied HU | 4,034 (29.3%) |
| Vacant Housing Units | 424 ( 3.1%) |
| Median Home Value | $507,286 |
| Average Home Value | $550,649 |
Housing Distribution
Address Breakdown
Residential
13,917
Single Family
13,023
Multi-Family
894
Businesses
255
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
Multi Family
Built in 1978
6,800 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95209, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,784 (100%) |
| Owner Occupied HU | 9,326 (67.7%) |
| Renter Occupied HU | 4,034 (29.3%) |
| Vacant Housing Units | 424 ( 3.1%) |
| Median Home Value | $507,286 |
| Average Home Value | $550,649 |
Housing Distribution
Address Breakdown
Residential
13,917
Single Family
13,023
Multi-Family
894
Businesses
255
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Nancy Duong • Preferealty.com Corporation
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225016209
Disclaimer: Copyright MetroList Services, Inc. All rights reserved. Information is deemed reliable but not guaranteed.