3682 Whispering Creek Cir, Stockton, CA, 95219 | $35/mo Cash Flow

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NMLS #2625701

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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

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Investment Highlights

Investment property for sale in Stockton at 3682 Whispering Creek Cir, Stockton, CA, 95219 uses $148,844 cash to close to unlock $420/yr annual cash flow and $35/mo monthly cash flow. Total monthly income runs $3,080/mo, and a $2,198/mo payment keeps the spread at $35/mo. Purchase price stands at $449,000, and rental yield measures 8.23% with $3,080/mo rent. Return on cash invested shows 20.19% in year one, and 5% annual appreciation builds toward $124,050 over five years. Five-year ROI reaches 105.16% and total cumulative return in cash records $156,520. Financing may use Ziffy Mortgage’s DSCR loan, which bases approval on $3,080/mo property income covering a $2,198/mo payment rather than investor’s personal income.

Single Family

Built in 1995

3,994 sqft lot

$N/A/sqft

$267 monthly HOA

Neighborhood Data

Neighborhood data shown for ZIP Code: 95219, Stockton, CA area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	12,318 (100%)
Owner Occupied HU	7,449 (60.5%)
Renter Occupied HU	4,422 (35.9%)
Vacant Housing Units	447 ( 3.6%)
Median Home Value	$626,054
Average Home Value	$665,298