2189 E 8th StStocktonCA95206
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Stockton rental at 2189 E 8th St, Stockton, CA, 95206 sits in the solid-income band: 8.45% gross yield, $3,306/mo rent, $402/mo net after the $2,111/mo debt service, DSCR 1.57. Entry price of $469,500 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $129,714 and $4,324/yr in principal reduction bring total cumulative return to $203,888.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.5% |
| Monthly Cash Flow | $402 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,306 |
| Total Monthly Debt Service | $2,718 |
| DSCR Ratio | 1.22x |
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
5,201 sqft lot
$N/A/sqft
No 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
5,201 sqft lot
$N/A/sqft
No 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
Listed by: Gus Banuelos • Premier Agent Network
Mls Name: MetroList Services of CA
Mls ID: #225098983