3507 Mary Jean LnTracyCA95376
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 3507 Mary Jean Ln, Tracy, CA, 95376 in Tracy offers a clean, manageable entry. Rental yield 6.81%. DSCR 1.20 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $146,429 in additional property value over five years, with $4,443/yr in principal equity building ownership stake. Total projected cumulative return: $173,746.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.8% | 5.0% |
| Monthly Cash Flow | $(269) | $300 |
City averages based on Tracy market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,010 |
| Total Monthly Debt Service | $3,197 |
| DSCR Ratio | 0.94x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1998
3,824 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95376, Tracy, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,258 (100%) |
| Owner Occupied HU | 9,933 (57.6%) |
| Renter Occupied HU | 6,865 (39.8%) |
| Vacant Housing Units | 460 ( 2.7%) |
| Median Home Value | $616,695 |
| Average Home Value | $632,596 |
Housing Distribution
Address Breakdown
Residential
16,979
Single Family
15,266
Multi-Family
1,713
Businesses
1,040
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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
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: #226107279
