8226 Manhattan DrStocktonCA95210
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeMost investment properties struggle to clear the 1.25x DSCR minimum. 8226 Manhattan Dr, Stockton, CA, 95210 in Stockton clears it at 1.64, a meaningful distinction for the Ziffy Mortgage DSCR approval process. Rental yield 8.83%. Strong coverage makes approval clean and leaves room for vacancy without breaching underwriting thresholds. Five-year appreciation: $85,647; $2,855/yr in principal equity; total projected return: $99,768.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 6.5% |
| Monthly Cash Flow | $(323) | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,281 |
| Total Monthly Debt Service | $2,481 |
| DSCR Ratio | 0.92x |
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 1979
6,399 sqft lot
$N/A/sqft
$554 monthly 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 1979
6,399 sqft lot
$N/A/sqft
$554 monthly 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
Listed by: Paul Lopez • PropertySourced
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225071398
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