7870 Lamplight CtTracyCA95377
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 7870 Lamplight Ct, Tracy, CA, 95377 in Tracy fits: $1,123,880, 4.31% gross yield, and a projected 5% annual appreciation rate adding $310,507 in value within five years. Rental yield 4.31%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.80) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $10,351/yr in principal paydown and $310,507 in appreciation project a total return of $238,721.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.3% | 5.0% |
| Monthly Cash Flow | $(2,912) | $300 |
City averages based on Tracy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,040 |
| Total Monthly Debt Service | $6,505 |
| DSCR Ratio | 0.62x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95377, Tracy, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,162 (100%) |
| Owner Occupied HU | 8,848 (72.8%) |
| Renter Occupied HU | 2,817 (23.2%) |
| Vacant Housing Units | 497 ( 4.1%) |
| Median Home Value | $780,637 |
| Average Home Value | $808,289 |
Housing Distribution
Address Breakdown
Residential
11,830
Single Family
10,711
Multi-Family
1,119
Businesses
302
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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95377, Tracy, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,162 (100%) |
| Owner Occupied HU | 8,848 (72.8%) |
| Renter Occupied HU | 2,817 (23.2%) |
| Vacant Housing Units | 497 ( 4.1%) |
| Median Home Value | $780,637 |
| Average Home Value | $808,289 |
Housing Distribution
Address Breakdown
Residential
11,830
Single Family
10,711
Multi-Family
1,119
Businesses
302
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices