3612 De Ovan AveStocktonCA95204
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 3612 De Ovan Ave, Stockton, CA, 95204 in Stockton. At $324,500 it earns $2,477/mo in rent and distributes $469/mo to the owner after the $1,459/mo payment, a consistent 9.16% yield. DSCR 1.70 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $89,653 in value; $2,989/yr in principal paydown compounds ownership stake. Total projected return: $153,261.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.5% |
| Monthly Cash Flow | $469 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,477 |
| Total Monthly Debt Service | $1,878 |
| DSCR Ratio | 1.32x |
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 1957
8,228 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 1957
8,228 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
Listed by: N/A • N/A
Mls Name: MetroList Services of CA
Mls ID: #226035020