29879 S Chrisman RdTracyCA95304
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 29879 S Chrisman Rd, Tracy, CA, 95304 in Tracy fits: $1,149,000, 4.72% gross yield, and a projected 5% annual appreciation rate adding $317,448 in value within five years. Rental yield 4.72%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.87) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $10,582/yr in principal paydown and $317,448 in appreciation project a total return of $269,038.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 5.0% |
| Monthly Cash Flow | $(2,589) | $300 |
City averages based on Tracy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,519 |
| Total Monthly Debt Service | $6,651 |
| DSCR Ratio | 0.68x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1991
1.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95304, Tracy, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,639 (100%) |
| Owner Occupied HU | 3,442 (61.0%) |
| Renter Occupied HU | 1,728 (30.6%) |
| Vacant Housing Units | 469 ( 8.3%) |
| Median Home Value | $826,303 |
| Average Home Value | $830,222 |
Housing Distribution
Address Breakdown
Residential
4,956
Single Family
4,161
Multi-Family
795
Businesses
632
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 1991
1.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95304, Tracy, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,639 (100%) |
| Owner Occupied HU | 3,442 (61.0%) |
| Renter Occupied HU | 1,728 (30.6%) |
| Vacant Housing Units | 469 ( 8.3%) |
| Median Home Value | $826,303 |
| Average Home Value | $830,222 |
Housing Distribution
Address Breakdown
Residential
4,956
Single Family
4,161
Multi-Family
795
Businesses
632
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Erica Hall • Klemm Real Estate
Mls Name: MetroList Services of CA
Mls ID: #225127284