430 E Magnolia StStocktonCA95202
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 430 E Magnolia St, Stockton, CA, 95202 in Stockton. Priced at $300,000, it generates $2,662/mo in gross rent and $806/mo in net monthly cash flow, a 10.65% yield that comfortably supports the 1.87 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $9,669. Five-year appreciation: $82,884. Equity from principal paydown: $2,515/yr. Total projected cumulative return: $160,020.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 6.5% |
| Monthly Cash Flow | $806 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,662 |
| Total Monthly Debt Service | $1,810 |
| DSCR Ratio | 1.47x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1907
2,387 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95202, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,533 (100%) |
| Owner Occupied HU | 221 ( 6.3%) |
| Renter Occupied HU | 2,931 (83.0%) |
| Vacant Housing Units | 381 (10.8%) |
| Median Home Value | $400,769 |
| Average Home Value | $430,904 |
Housing Distribution
Address Breakdown
Residential
3,274
Single Family
1,001
Multi-Family
2,273
Businesses
709
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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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Listed by: N/A • N/A
Mls Name: MetroList Services of CA
Mls ID: #226059129
