6900 Allegheny PlStocktonCA95219
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 6900 Allegheny Pl, Stockton, CA, 95219 in Stockton at $320,000 earns $2,292/mo in rent and nets $183/mo after the $1,439/mo payment, a 8.6% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $88,410 over five years. Ziffy Mortgage underwrites this on a 1.59 DSCR without U.S. credit history. With $2,947/yr in principal paydown, total projected return reaches $133,700.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.5% |
| Monthly Cash Flow | $183 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,292 |
| Total Monthly Debt Service | $1,982 |
| DSCR Ratio | 1.16x |
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 1974
4,051 sqft lot
$N/A/sqft
$162 quarterly 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 1974
4,051 sqft lot
$N/A/sqft
$162 quarterly 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
Listed by: Jeremiah Patterson • Cornerstone Real Estate Group
Mls Name: MetroList Services of CA
Mls ID: #225062950