North MadisonStocktonCA95202
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. Rental yield 1.63%. North Madison, Stockton, CA, 95202 in Stockton fits: $999,900, 1.63% gross yield, and a projected 5% annual appreciation rate adding $276,254 in value within five years. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.30) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $9,209/yr in principal paydown and $276,254 in appreciation project a total return of $68,769.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.6% | 6.5% |
| Monthly Cash Flow | $(4,824) | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,362 |
| Total Monthly Debt Service | $5,788 |
| DSCR Ratio | 0.24x |
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.
Multi Family
Built in 1917
4,791 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
Multi Family
Built in 1917
4,791 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: Helen Chong • Real Brokerage Technologies
Mls Name: MLSListings Inc
Mls ID: #ML82013341