421 W 3rd StStocktonCA95206
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 421 W 3rd St, Stockton, CA, 95206 in Stockton at $450,000 earns $2,825/mo in rent and nets $41/mo after the $2,023/mo payment, a 7.53% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $124,327 over five years. Ziffy Mortgage underwrites this on a 1.40 DSCR without U.S. credit history. With $4,145/yr in principal paydown, total projected return reaches $173,316.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.5% |
| Monthly Cash Flow | $41 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,825 |
| Total Monthly Debt Service | $2,605 |
| DSCR Ratio | 1.08x |
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 1951
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95206, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,908 (100%) |
| Owner Occupied HU | 10,734 (56.8%) |
| Renter Occupied HU | 7,533 (39.8%) |
| Vacant Housing Units | 641 ( 3.4%) |
| Median Home Value | $429,135 |
| Average Home Value | $483,139 |
Housing Distribution
Address Breakdown
Residential
18,130
Single Family
17,833
Multi-Family
297
Businesses
848
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 1951
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95206, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,908 (100%) |
| Owner Occupied HU | 10,734 (56.8%) |
| Renter Occupied HU | 7,533 (39.8%) |
| Vacant Housing Units | 641 ( 3.4%) |
| Median Home Value | $429,135 |
| Average Home Value | $483,139 |
Housing Distribution
Address Breakdown
Residential
18,130
Single Family
17,833
Multi-Family
297
Businesses
848
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices