4481 Townehome DrStocktonCA95207
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 4481 Townehome Dr, Stockton, CA, 95207 in Stockton speaks for itself: 15.3% gross on a $189,000 price, generating $2,410/mo in rent and $801/mo in net income after the $850/mo debt service. DSCR 2.84, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $9,614 stacks alongside $52,217 in projected five-year appreciation and $1,741/yr in principal reduction. Projected total cumulative return: $125,171.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 15.3% | 6.5% |
| Monthly Cash Flow | $801 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,410 |
| Total Monthly Debt Service | $1,533 |
| DSCR Ratio | 1.57x |
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.
Townhouse
Built in 1972
1,220 sqft lot
$N/A/sqft
$375 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
Townhouse
Built in 1972
1,220 sqft lot
$N/A/sqft
$375 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