2278 E Loomis RdStocktonCA95206
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing2278 E Loomis Rd, Stockton, CA, 95206 in Stockton is a stable, well-positioned rental at $559,990. Rental yield 6.76%. DSCR 1.25 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $154,715 in value and $5,158/yr in principal paydown builds equity, a total projected return of $192,442.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.8% | 6.5% |
| Monthly Cash Flow | $(309) | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,155 |
| Total Monthly Debt Service | $3,241 |
| DSCR Ratio | 0.97x |
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 N/A
5,719 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 N/A
5,719 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: Lisa Celestino • KB HOME Sales-Northern California Inc
Mls Name: MetroList Services of CA
Mls ID: #226015953