455 Peerless Way APT 5TracyCA95376
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 455 Peerless Way APT 5, Tracy, CA, 95376 in Tracy at $375,000 earns $2,944/mo in rent and nets $61/mo after the $1,686/mo payment, a 9.42% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $103,606 over five years. Ziffy Mortgage underwrites this on a 1.75 DSCR without U.S. credit history. With $3,454/yr in principal paydown, total projected return reaches $148,604.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 5.0% |
| Monthly Cash Flow | $61 | $300 |
City averages based on Tracy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,944 |
| Total Monthly Debt Service | $2,733 |
| 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.
Condo
Built in 1983
1,076 sqft lot
$N/A/sqft
$500 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95376, Tracy, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,258 (100%) |
| Owner Occupied HU | 9,933 (57.6%) |
| Renter Occupied HU | 6,865 (39.8%) |
| Vacant Housing Units | 460 ( 2.7%) |
| Median Home Value | $616,695 |
| Average Home Value | $632,596 |
Housing Distribution
Address Breakdown
Residential
16,979
Single Family
15,266
Multi-Family
1,713
Businesses
1,040
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 1983
1,076 sqft lot
$N/A/sqft
$500 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95376, Tracy, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,258 (100%) |
| Owner Occupied HU | 9,933 (57.6%) |
| Renter Occupied HU | 6,865 (39.8%) |
| Vacant Housing Units | 460 ( 2.7%) |
| Median Home Value | $616,695 |
| Average Home Value | $632,596 |
Housing Distribution
Address Breakdown
Residential
16,979
Single Family
15,266
Multi-Family
1,713
Businesses
1,040
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Steven Majourau • Sac Platinum Realty
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225049781
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