3032 Dusty CtStocktonCA95209
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 3032 Dusty Ct, Stockton, CA, 95209 in Stockton is narrow, $105/mo net on $3,512/mo rent after the $2,293/mo debt service, but the property operates at break-even-plus, not a loss. At $510,000 with a 8.26% yield, the long-run equity case via 5% appreciation ($140,904 over five years) and $4,697/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.53 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $216,407.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.5% |
| Monthly Cash Flow | $105 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,512 |
| Total Monthly Debt Service | $2,952 |
| DSCR Ratio | 1.19x |
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 2007
2,909 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95209, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,784 (100%) |
| Owner Occupied HU | 9,326 (67.7%) |
| Renter Occupied HU | 4,034 (29.3%) |
| Vacant Housing Units | 424 ( 3.1%) |
| Median Home Value | $507,286 |
| Average Home Value | $550,649 |
Housing Distribution
Address Breakdown
Residential
13,917
Single Family
13,023
Multi-Family
894
Businesses
255
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 2007
2,909 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95209, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,784 (100%) |
| Owner Occupied HU | 9,326 (67.7%) |
| Renter Occupied HU | 4,034 (29.3%) |
| Vacant Housing Units | 424 ( 3.1%) |
| Median Home Value | $507,286 |
| Average Home Value | $550,649 |
Housing Distribution
Address Breakdown
Residential
13,917
Single Family
13,023
Multi-Family
894
Businesses
255
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MetroList Services of CA
Mls ID: #226027060