Moonstone Plan, Summers Bend at WestlakeStocktonCA95219
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSolid fundamentals define the investment case at Moonstone Plan, Summers Bend at Westlake, Stockton, CA, 95219 in Stockton: $4,150/mo in rent, $202/mo in net income, 7.8% gross yield, 1.45 DSCR, all at $638,113. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $176,299 in appreciation and $5,877/yr in principal paydown projects total cumulative return of $255,008.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.5% |
| Monthly Cash Flow | $202 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,150 |
| Total Monthly Debt Service | $3,694 |
| DSCR Ratio | 1.12x |
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95219, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,318 (100%) |
| Owner Occupied HU | 7,449 (60.5%) |
| Renter Occupied HU | 4,422 (35.9%) |
| Vacant Housing Units | 447 ( 3.6%) |
| Median Home Value | $626,054 |
| Average Home Value | $665,298 |
Housing Distribution
Address Breakdown
Residential
11,720
Single Family
9,208
Multi-Family
2,512
Businesses
479
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95219, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,318 (100%) |
| Owner Occupied HU | 7,449 (60.5%) |
| Renter Occupied HU | 4,422 (35.9%) |
| Vacant Housing Units | 447 ( 3.6%) |
| Median Home Value | $626,054 |
| Average Home Value | $665,298 |
Housing Distribution
Address Breakdown
Residential
11,720
Single Family
9,208
Multi-Family
2,512
Businesses
479
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices