4049 E Farmington RdStocktonCA95215
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 4049 E Farmington Rd, Stockton, CA, 95215 in Stockton at $220,000 earns $1,520/mo in rent and nets $159/mo after the $989/mo payment, a 8.29% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $60,782 over five years. Ziffy Mortgage underwrites this on a 1.54 DSCR without U.S. credit history. With $2,026/yr in principal paydown, total projected return reaches $93,662.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.5% |
| Monthly Cash Flow | $159 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,520 |
| Total Monthly Debt Service | $1,273 |
| 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.
Manufactured
Built in 2006
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95215, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,310 (100%) |
| Owner Occupied HU | 4,424 (60.5%) |
| Renter Occupied HU | 2,624 (35.9%) |
| Vacant Housing Units | 262 ( 3.6%) |
| Median Home Value | $519,635 |
| Average Home Value | $635,914 |
Housing Distribution
Address Breakdown
Residential
7,196
Single Family
7,066
Multi-Family
130
Businesses
531
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
Manufactured
Built in 2006
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95215, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,310 (100%) |
| Owner Occupied HU | 4,424 (60.5%) |
| Renter Occupied HU | 2,624 (35.9%) |
| Vacant Housing Units | 262 ( 3.6%) |
| Median Home Value | $519,635 |
| Average Home Value | $635,914 |
Housing Distribution
Address Breakdown
Residential
7,196
Single Family
7,066
Multi-Family
130
Businesses
531
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mason M Yanowitz • Real Estate Source Inc.
Mls Name: bridgeMLS/CCAR/Bay East AOR
Mls ID: #41120879