4433 Calandria St APT 3StocktonCA95207
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 4433 Calandria St APT 3, Stockton, CA, 95207 in Stockton: $1,967/mo in rent, $673/mo net, 15.23% gross yield, all on a $155,000 acquisition. The 2.82 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $42,824 in value, and $1,428/yr in principal paydown steadily builds equity. Projected total cumulative return: $103,554.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 15.2% | 6.5% |
| Monthly Cash Flow | $673 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,967 |
| Total Monthly Debt Service | $1,232 |
| DSCR Ratio | 1.60x |
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.
Condo
Built in 1972
466.09 sqft lot
$N/A/sqft
$335 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95207, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,555 (100%) |
| Owner Occupied HU | 7,414 (37.9%) |
| Renter Occupied HU | 11,299 (57.8%) |
| Vacant Housing Units | 842 ( 4.3%) |
| Median Home Value | $468,326 |
| Average Home Value | $549,079 |
Housing Distribution
Address Breakdown
Residential
18,901
Single Family
13,699
Multi-Family
5,202
Businesses
1,580
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
Condo
Built in 1972
466.09 sqft lot
$N/A/sqft
$335 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95207, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,555 (100%) |
| Owner Occupied HU | 7,414 (37.9%) |
| Renter Occupied HU | 11,299 (57.8%) |
| Vacant Housing Units | 842 ( 4.3%) |
| Median Home Value | $468,326 |
| Average Home Value | $549,079 |
Housing Distribution
Address Breakdown
Residential
18,901
Single Family
13,699
Multi-Family
5,202
Businesses
1,580
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices