625 N Madison StStocktonCA95202
INVESTMENT ANALYSIS
Investment Verdict
Solid Income625 N Madison St, Stockton, CA, 95202 in Stockton is a solid income-producing rental, 9.62% gross yield, $3,085/mo rent, $704/mo net cash flow on a $385,000 buy. DSCR 1.78 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $106,368 and $3,546/yr in principal reduction project a total cumulative return of $191,260.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.5% |
| Monthly Cash Flow | $704 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,085 |
| Total Monthly Debt Service | $2,229 |
| DSCR Ratio | 1.38x |
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 1911
4,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95202, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,533 (100%) |
| Owner Occupied HU | 221 ( 6.3%) |
| Renter Occupied HU | 2,931 (83.0%) |
| Vacant Housing Units | 381 (10.8%) |
| Median Home Value | $400,769 |
| Average Home Value | $430,904 |
Housing Distribution
Address Breakdown
Residential
3,274
Single Family
1,001
Multi-Family
2,273
Businesses
709
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 1911
4,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95202, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,533 (100%) |
| Owner Occupied HU | 221 ( 6.3%) |
| Renter Occupied HU | 2,931 (83.0%) |
| Vacant Housing Units | 381 (10.8%) |
| Median Home Value | $400,769 |
| Average Home Value | $430,904 |
Housing Distribution
Address Breakdown
Residential
3,274
Single Family
1,001
Multi-Family
2,273
Businesses
709
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Zach Cantu • Real Broker
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225035303
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