2038 E Church StStocktonCA95205
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 2038 E Church St, Stockton, CA, 95205 in Stockton: $2,381/mo in rent, $472/mo in net income, 9.26% gross yield, 1.72 DSCR, all at $308,500. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $85,233 in appreciation and $2,841/yr in principal paydown projects total cumulative return of $147,419.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.5% |
| Monthly Cash Flow | $472 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,381 |
| Total Monthly Debt Service | $1,786 |
| DSCR Ratio | 1.33x |
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 1963
3,450 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 1963
3,450 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