963 Bear CtTracyCA95304
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 963 Bear Ct, Tracy, CA, 95304 in Tracy. Rental yield 4.01%. At $1,198,888 with 4.01% gross yield, current distributions are modest, but the 5% appreciation rate projects $331,231 in new equity by year five, complemented by $11,042/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.72) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $212,028.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4% | 5.0% |
| Monthly Cash Flow | $(3,694) | $300 |
City averages based on Tracy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,908 |
| Total Monthly Debt Service | $7,219 |
| DSCR Ratio | 0.54x |
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 2003
8,616 sqft lot
$N/A/sqft
$135 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95304, Tracy, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,639 (100%) |
| Owner Occupied HU | 3,442 (61.0%) |
| Renter Occupied HU | 1,728 (30.6%) |
| Vacant Housing Units | 469 ( 8.3%) |
| Median Home Value | $826,303 |
| Average Home Value | $830,222 |
Housing Distribution
Address Breakdown
Residential
4,956
Single Family
4,161
Multi-Family
795
Businesses
632
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 2003
8,616 sqft lot
$N/A/sqft
$135 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95304, Tracy, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,639 (100%) |
| Owner Occupied HU | 3,442 (61.0%) |
| Renter Occupied HU | 1,728 (30.6%) |
| Vacant Housing Units | 469 ( 8.3%) |
| Median Home Value | $826,303 |
| Average Home Value | $830,222 |
Housing Distribution
Address Breakdown
Residential
4,956
Single Family
4,161
Multi-Family
795
Businesses
632
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Rita Haynes • Boehm & Associates
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225009624
Disclaimer: Every person who intends to view or use such MLS information agrees to Terms of Use that include the following terms and conditions:All measurements and all calculations of area (i.e., Sq Ft and Acreage) are approximate. Broker has represented to MetroList that Broker has a valid listing signed by seller authorizing placement in the MLS. Above information is provided by Seller and/or other sources and has not been verified by Broker. Copyright 2025 MetroList Services, Inc. Information being provided by Metrolist Services, Inc. is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. [Click here for more information](/mls-disclaimers/#16)