6830 Mount Elbrus WayStocktonCA95219
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Stockton rental at 6830 Mount Elbrus Way, Stockton, CA, 95219 sits in the solid-income band: 8.56% gross yield, $4,078/mo rent, $390/mo net after the $2,571/mo debt service, DSCR 1.59. Entry price of $571,804 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $157,979 and $5,266/yr in principal reduction bring total cumulative return to $242,642.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.5% |
| Monthly Cash Flow | $390 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,078 |
| Total Monthly Debt Service | $3,460 |
| DSCR Ratio | 1.18x |
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 2024
4,918 sqft lot
$N/A/sqft
$150 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95219, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,318 (100%) |
| Owner Occupied HU | 7,449 (60.5%) |
| Renter Occupied HU | 4,422 (35.9%) |
| Vacant Housing Units | 447 ( 3.6%) |
| Median Home Value | $626,054 |
| Average Home Value | $665,298 |
Housing Distribution
Address Breakdown
Residential
11,720
Single Family
9,208
Multi-Family
2,512
Businesses
479
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 2024
4,918 sqft lot
$N/A/sqft
$150 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95219, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,318 (100%) |
| Owner Occupied HU | 7,449 (60.5%) |
| Renter Occupied HU | 4,422 (35.9%) |
| Vacant Housing Units | 447 ( 3.6%) |
| Median Home Value | $626,054 |
| Average Home Value | $665,298 |
Housing Distribution
Address Breakdown
Residential
11,720
Single Family
9,208
Multi-Family
2,512
Businesses
479
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices