8243 Onyx CtStocktonCA95210
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 8243 Onyx Ct, Stockton, CA, 95210 in Stockton. Priced at $240,000, it generates $2,196/mo in gross rent and $662/mo in net monthly cash flow, a 10.98% yield that comfortably supports the 2.04 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $7,948. Five-year appreciation: $66,308. Equity from principal paydown: $2,210/yr. Total projected cumulative return: $136,782.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 6.5% |
| Monthly Cash Flow | $662 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,196 |
| Total Monthly Debt Service | $1,389 |
| DSCR Ratio | 1.58x |
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 1979
7,801 sqft lot
$N/A/sqft
No 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
7,801 sqft lot
$N/A/sqft
No 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: Phillip Dosier • Attorneys Funding Group Inc
Mls Name: MetroList Services of CA
Mls ID: #226010694