5795 Caribbean CirStocktonCA95210
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 5795 Caribbean Cir, Stockton, CA, 95210 in Stockton at $529,000 earns $3,541/mo in rent and nets $73/mo after the $2,379/mo payment, a 8.03% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $146,153 over five years. Ziffy Mortgage underwrites this on a 1.49 DSCR without U.S. credit history. With $4,872/yr in principal paydown, total projected return reaches $206,146.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.5% |
| Monthly Cash Flow | $73 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,541 |
| Total Monthly Debt Service | $3,257 |
| DSCR Ratio | 1.09x |
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 1989
9,013 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95210, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,510 (100%) |
| Owner Occupied HU | 5,874 (47.0%) |
| Renter Occupied HU | 6,329 (50.6%) |
| Vacant Housing Units | 307 ( 2.5%) |
| Median Home Value | $375,015 |
| Average Home Value | $407,516 |
Housing Distribution
Address Breakdown
Residential
12,344
Single Family
10,891
Multi-Family
1,453
Businesses
534
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 1989
9,013 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95210, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,510 (100%) |
| Owner Occupied HU | 5,874 (47.0%) |
| Renter Occupied HU | 6,329 (50.6%) |
| Vacant Housing Units | 307 ( 2.5%) |
| Median Home Value | $375,015 |
| Average Home Value | $407,516 |
Housing Distribution
Address Breakdown
Residential
12,344
Single Family
10,891
Multi-Family
1,453
Businesses
534
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices