3559 Hepburn CirStocktonCA95209
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who treat current yield as secondary to long-run equity growth will find 3559 Hepburn Cir, Stockton, CA, 95209 in Stockton worth modelling. At $446,000 with a 7.99% gross yield, the $2,969/mo rent leaves $14/mo after the $2,006/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.48 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $123,222 by year five; $4,108/yr in principal reduction adds further equity. Total projected return: $170,947.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.5% |
| Monthly Cash Flow | $14 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,969 |
| Total Monthly Debt Service | $2,777 |
| DSCR Ratio | 1.07x |
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 2000
4,251 sqft lot
$N/A/sqft
$223 quarterly 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 2000
4,251 sqft lot
$N/A/sqft
$223 quarterly 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: Taylor Thompson • KW Patterson
Mls Name: MetroList Services of CA
Mls ID: #225073463