825 N San Joaquin StStocktonCA95202
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder825 N San Joaquin St, Stockton, CA, 95202 in Stockton earns a respectable 7.55% gross yield at $514,950, but after the $2,316/mo mortgage the net cash flow is $55/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.45) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $142,271 over five years, making equity the dominant return driver. Total projected return: $206,776.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.5% |
| Monthly Cash Flow | $55 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,365 |
| Total Monthly Debt Service | $2,981 |
| DSCR Ratio | 1.13x |
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 1900
5,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95202, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,533 (100%) |
| Owner Occupied HU | 221 ( 6.3%) |
| Renter Occupied HU | 2,931 (83.0%) |
| Vacant Housing Units | 381 (10.8%) |
| Median Home Value | $400,769 |
| Average Home Value | $430,904 |
Housing Distribution
Address Breakdown
Residential
3,274
Single Family
1,001
Multi-Family
2,273
Businesses
709
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 1900
5,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95202, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,533 (100%) |
| Owner Occupied HU | 221 ( 6.3%) |
| Renter Occupied HU | 2,931 (83.0%) |
| Vacant Housing Units | 381 (10.8%) |
| Median Home Value | $400,769 |
| Average Home Value | $430,904 |
Housing Distribution
Address Breakdown
Residential
3,274
Single Family
1,001
Multi-Family
2,273
Businesses
709
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Soledad Garcia-Cortes • Exp Realty Of California, Inc
Mls Name: Bay East AOR
Mls ID: #41113387