2325 W Harding Way, Stockton, CA, 95203 | $1,027/mo Cash Flow

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NMLS #2625701

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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

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Investment Highlights

Investment property for sale in Stockton at 2325 W Harding Way, Stockton, CA, 95203 with 5% annual appreciation on a $399,000 basis while $3,576/mo rent supports operations. Total monthly income totals $3,576/mo and a $1,953/mo payment preserves $1,027/mo for cash returns. Annual cash flow comes to $12,330/yr on $132,269 deployed, and return on cash invested reaches 29.23% in year one. Equity gained on principal adds $2,575/yr, and five-year appreciation sums $110,236 alongside rental yield of 10.75%. Five-year ROI measures 153.11% and total cumulative return in cash totals $202,514.

Investors can finance this property with Ziffy Mortgage’s DSCR loan that underwrites to $3,576/mo property income versus a $1,953/mo payment rather than your W2s, Paystubs, Tax returns, or 1099 forms.

Single Family

Built in 1951

5,798 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