15 2nd StLodiNJ07644
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 15 2nd St, Lodi, NJ, 07644 in Lodi is narrow, $61/mo net on $1,023/mo rent after the $607/mo debt service, but the property operates at break-even-plus, not a loss. At $135,000 with a 9.09% yield, the long-run equity case via 5% appreciation ($37,298 over five years) and $1,243/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.69 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $55,682.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.2% |
| Monthly Cash Flow | $61 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,023 |
| Total Monthly Debt Service | $909 |
| DSCR Ratio | 1.13x |
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07644, Lodi, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,567 (100%) |
| Owner Occupied HU | 4,236 (40.1%) |
| Renter Occupied HU | 5,912 (55.9%) |
| Vacant Housing Units | 419 ( 4.0%) |
| Median Home Value | $527,335 |
| Average Home Value | $585,640 |
Housing Distribution
Address Breakdown
Residential
8,770
Single Family
8,453
Multi-Family
317
Businesses
737
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07644, Lodi, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,567 (100%) |
| Owner Occupied HU | 4,236 (40.1%) |
| Renter Occupied HU | 5,912 (55.9%) |
| Vacant Housing Units | 419 ( 4.0%) |
| Median Home Value | $527,335 |
| Average Home Value | $585,640 |
Housing Distribution
Address Breakdown
Residential
8,770
Single Family
8,453
Multi-Family
317
Businesses
737
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Diva Dasilva • Century 21 Semiao & Associates
Mls Name: NJMLS
Mls ID: #25027512