209 Oriole LnLodiCA95240
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 209 Oriole Ln, Lodi, CA, 95240 in Lodi at $638,000. Rental yield 6.08%. The 6.08% yield and 1.13 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $176,268 by year five, and $5,876/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $195,895.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.1% | 6.0% |
| Monthly Cash Flow | $(715) | $400 |
City averages based on Lodi market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,232 |
| Total Monthly Debt Service | $3,693 |
| DSCR Ratio | 0.88x |
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
10,572 sqft 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
Single Family
Built in 2003
10,572 sqft 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
Listed by: Abies Tok Tsang • Abies Tok Tsang Realty
Mls Name: MetroList Services of CA
Mls ID: #225154241