5 W Eaton AveTracyCA95376
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 5 W Eaton Ave, Tracy, CA, 95376 in Tracy at $534,950, 5.74% gross yield, is a market-growth asset. Rental yield 5.74%. The $2,558/mo rent partially funds the $2,405/mo debt service; the core return is the 5%/yr price growth projected to add $147,797 over five years. Ziffy Mortgage's DSCR mortgage (1.06) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $154,568.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.7% | 5.0% |
| Monthly Cash Flow | $(751) | $300 |
City averages based on Tracy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,558 |
| Total Monthly Debt Service | $3,096 |
| DSCR Ratio | 0.83x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1925
4,948 sqft lot
$N/A/sqft
No 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
Single Family
Built in 1925
4,948 sqft lot
$N/A/sqft
No 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: Frank Silveria • Keller Williams Realty
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225009414
Disclaimer: Copyright MetroList Services, Inc. All rights reserved. Information is deemed reliable but not guaranteed.