270 E Gibson StStocktonCA95204
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 270 E Gibson St, Stockton, CA, 95204 in Stockton deserves attention. This $384,900 property earns $3,404/mo in rent, a 10.61% gross yield, and nets $1,023/mo after the $1,731/mo payment. DSCR 1.97 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $106,341 compounds alongside $3,545/yr in yearly equity build, for a total cumulative return of $211,747.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 6.5% |
| Monthly Cash Flow | $1,023 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,404 |
| Total Monthly Debt Service | $2,228 |
| DSCR Ratio | 1.53x |
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 1950
6,399 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95204, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,023 (100%) |
| Owner Occupied HU | 6,377 (53.0%) |
| Renter Occupied HU | 5,013 (41.7%) |
| Vacant Housing Units | 633 ( 5.3%) |
| Median Home Value | $435,196 |
| Average Home Value | $536,909 |
Housing Distribution
Address Breakdown
Residential
11,631
Single Family
10,092
Multi-Family
1,539
Businesses
730
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 1950
6,399 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95204, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,023 (100%) |
| Owner Occupied HU | 6,377 (53.0%) |
| Renter Occupied HU | 5,013 (41.7%) |
| Vacant Housing Units | 633 ( 5.3%) |
| Median Home Value | $435,196 |
| Average Home Value | $536,909 |
Housing Distribution
Address Breakdown
Residential
11,631
Single Family
10,092
Multi-Family
1,539
Businesses
730
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices