107 Verdugo DrLodiCA95240
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 107 Verdugo Dr, Lodi, CA, 95240 in Lodi: $2,776/mo in rent, $1,882/mo net, 23.05% gross yield, all on a $144,500 acquisition. The 4.27 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $39,923 in value, and $1,331/yr in principal paydown steadily builds equity. Projected total cumulative return: $175,934.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 23.1% | 6.0% |
| Monthly Cash Flow | $1,882 | $400 |
City averages based on Lodi market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,776 |
| Total Monthly Debt Service | $836 |
| DSCR Ratio | 3.32x |
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 1973
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95240, Lodi, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,721 (100%) |
| Owner Occupied HU | 8,501 (48.0%) |
| Renter Occupied HU | 8,386 (47.3%) |
| Vacant Housing Units | 834 ( 4.7%) |
| Median Home Value | $483,688 |
| Average Home Value | $557,843 |
Housing Distribution
Address Breakdown
Residential
16,714
Single Family
13,300
Multi-Family
3,414
Businesses
1,733
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 1973
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95240, Lodi, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,721 (100%) |
| Owner Occupied HU | 8,501 (48.0%) |
| Renter Occupied HU | 8,386 (47.3%) |
| Vacant Housing Units | 834 ( 4.7%) |
| Median Home Value | $483,688 |
| Average Home Value | $557,843 |
Housing Distribution
Address Breakdown
Residential
16,714
Single Family
13,300
Multi-Family
3,414
Businesses
1,733
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices