8700 Lane #180StocktonCA95210
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 8700 Lane #180, Stockton, CA, 95210 in Stockton speaks for itself: 23.5% gross on a $139,500 price, generating $2,732/mo in rent and $1,869/mo in net income after the $627/mo debt service. DSCR 4.36, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $22,433 stacks alongside $38,541 in projected five-year appreciation and $1,285/yr in principal reduction. Projected total cumulative return: $173,200.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 23.5% | 6.5% |
| Monthly Cash Flow | $1,869 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,732 |
| Total Monthly Debt Service | $807 |
| DSCR Ratio | 3.38x |
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.
Manufactured
Built in 1978
N/A 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
Manufactured
Built in 1978
N/A 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