25 S Oro AveStocktonCA95215
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 25 S Oro Ave, Stockton, CA, 95215 in Stockton hard to pass up. The 10.57% gross yield on a $315,000 purchase results in $2,774/mo in rent and $826/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (1.96). Annual cash flow of $9,909, five-year appreciation of $87,029, and $2,901/yr in equity build-up combine for a projected total cumulative return of $172,630.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 6.5% |
| Monthly Cash Flow | $826 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,774 |
| Total Monthly Debt Service | $1,823 |
| DSCR Ratio | 1.52x |
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 1954
5,967 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95215, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,310 (100%) |
| Owner Occupied HU | 4,424 (60.5%) |
| Renter Occupied HU | 2,624 (35.9%) |
| Vacant Housing Units | 262 ( 3.6%) |
| Median Home Value | $519,635 |
| Average Home Value | $635,914 |
Housing Distribution
Address Breakdown
Residential
7,196
Single Family
7,066
Multi-Family
130
Businesses
531
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 1954
5,967 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95215, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,310 (100%) |
| Owner Occupied HU | 4,424 (60.5%) |
| Renter Occupied HU | 2,624 (35.9%) |
| Vacant Housing Units | 262 ( 3.6%) |
| Median Home Value | $519,635 |
| Average Home Value | $635,914 |
Housing Distribution
Address Breakdown
Residential
7,196
Single Family
7,066
Multi-Family
130
Businesses
531
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Susana Solis • JRP Realty Group
Mls Name: MetroList Services of CA
Mls ID: #225001509