5416 Ridgeway AveStocktonCA95207
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 5416 Ridgeway Ave, Stockton, CA, 95207 in Stockton earns a 8.86% gross yield at $469,987. Rent of $3,550/mo nets $429/mo after the $2,113/mo mortgage. The 1.68 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $129,849 and $4,329/yr in equity accumulation project a total cumulative return of $219,575.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 6.5% |
| Monthly Cash Flow | $429 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,550 |
| Total Monthly Debt Service | $2,720 |
| DSCR Ratio | 1.30x |
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 1960
6,612 sqft lot
$N/A/sqft
No 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
Single Family
Built in 1960
6,612 sqft lot
$N/A/sqft
No 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
Listed by: Camila Heredia • Realty ONE Group Zoom
Mls Name: MetroList Services of CA
Mls ID: #225089159