500 W Oak StStocktonCA95203
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 500 W Oak St, Stockton, CA, 95203 in Stockton. Priced at $280,000, it generates $3,134/mo in gross rent and $1,402/mo in net monthly cash flow, a 13.43% yield that comfortably supports the 2.49 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $16,827. Five-year appreciation: $77,359. Equity from principal paydown: $2,579/yr. Total projected cumulative return: $196,417.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.4% | 6.5% |
| Monthly Cash Flow | $1,402 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,134 |
| Total Monthly Debt Service | $1,621 |
| DSCR Ratio | 1.93x |
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.
Single Family
Built in 1930
3,751 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95203, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,194 (100%) |
| Owner Occupied HU | 2,285 (36.9%) |
| Renter Occupied HU | 3,475 (56.1%) |
| Vacant Housing Units | 434 ( 7.0%) |
| Median Home Value | $396,223 |
| Average Home Value | $493,610 |
Housing Distribution
Address Breakdown
Residential
5,739
Single Family
5,129
Multi-Family
610
Businesses
504
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 1930
3,751 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95203, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,194 (100%) |
| Owner Occupied HU | 2,285 (36.9%) |
| Renter Occupied HU | 3,475 (56.1%) |
| Vacant Housing Units | 434 ( 7.0%) |
| Median Home Value | $396,223 |
| Average Home Value | $493,610 |
Housing Distribution
Address Breakdown
Residential
5,739
Single Family
5,129
Multi-Family
610
Businesses
504
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices