2208 Surf CtStocktonCA95206
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 2208 Surf Ct, Stockton, CA, 95206 in Stockton: $5,472/mo in rent, $1,587/mo net, 10.95% gross yield, all on a $599,500 acquisition. The 2.03 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $165,631 in value, and $5,521/yr in principal paydown steadily builds equity. Projected total cumulative return: $330,168.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 6.5% |
| Monthly Cash Flow | $1,587 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,472 |
| Total Monthly Debt Service | $3,647 |
| DSCR Ratio | 1.50x |
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 2002
7,296 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 2002
7,296 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