228 W Willow StStocktonCA95203
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 228 W Willow St, Stockton, CA, 95203 in Stockton is narrow, $199/mo net on $2,642/mo rent after the $1,776/mo debt service, but the property operates at break-even-plus, not a loss. At $395,000 with a 8.03% yield, the long-run equity case via 5% appreciation ($109,131 over five years) and $3,638/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.49 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $162,552.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.5% |
| Monthly Cash Flow | $199 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,642 |
| Total Monthly Debt Service | $2,286 |
| DSCR Ratio | 1.16x |
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 1912
5,001 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95203, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,194 (100%) |
| Owner Occupied HU | 2,285 (36.9%) |
| Renter Occupied HU | 3,475 (56.1%) |
| Vacant Housing Units | 434 ( 7.0%) |
| Median Home Value | $396,223 |
| Average Home Value | $493,610 |
Housing Distribution
Address Breakdown
Residential
5,739
Single Family
5,129
Multi-Family
610
Businesses
504
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 1912
5,001 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95203, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,194 (100%) |
| Owner Occupied HU | 2,285 (36.9%) |
| Renter Occupied HU | 3,475 (56.1%) |
| Vacant Housing Units | 434 ( 7.0%) |
| Median Home Value | $396,223 |
| Average Home Value | $493,610 |
Housing Distribution
Address Breakdown
Residential
5,739
Single Family
5,129
Multi-Family
610
Businesses
504
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CRMLS
Mls ID: #OC26044274