2348 Loomis RdStocktonCA95205
INVESTMENT ANALYSIS
Investment Verdict
Solid Income2348 Loomis Rd, Stockton, CA, 95205 in Stockton is a solid income-producing rental, 8% gross yield, $3,940/mo rent, $284/mo net cash flow on a $590,990 buy. DSCR 1.48 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $163,280 and $5,443/yr in principal reduction project a total cumulative return of $242,402.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.5% |
| Monthly Cash Flow | $284 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,940 |
| Total Monthly Debt Service | $3,421 |
| DSCR Ratio | 1.15x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95205, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,581 (100%) |
| Owner Occupied HU | 5,291 (45.7%) |
| Renter Occupied HU | 5,677 (49.0%) |
| Vacant Housing Units | 613 ( 5.3%) |
| Median Home Value | $310,501 |
| Average Home Value | $395,854 |
Housing Distribution
Address Breakdown
Residential
10,791
Single Family
10,341
Multi-Family
450
Businesses
1,246
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95205, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,581 (100%) |
| Owner Occupied HU | 5,291 (45.7%) |
| Renter Occupied HU | 5,677 (49.0%) |
| Vacant Housing Units | 613 ( 5.3%) |
| Median Home Value | $310,501 |
| Average Home Value | $395,854 |
Housing Distribution
Address Breakdown
Residential
10,791
Single Family
10,341
Multi-Family
450
Businesses
1,246
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • KB Home
Mls Name: KB Home
Mls Provider:
Mls ID: #N/A