2400 Eilers Ln APT 1605LodiCA95242
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeFinancing efficiency matters for international buyers, and 2400 Eilers Ln APT 1605, Lodi, CA, 95242 in Lodi offers it: the 1.59 DSCR gives Ziffy Mortgage's underwriting team an unusually clean file, no U.S. credit, no personal income required. Rental yield 8.57%. Long-term, 5% appreciation is forecast to add $94,751, and $3,159/yr in principal paydown compounds equity steadily. Projected five-year cumulative return: $120,140.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.0% |
| Monthly Cash Flow | $(189) | $400 |
City averages based on Lodi market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,448 |
| Total Monthly Debt Service | $2,500 |
| DSCR Ratio | 0.98x |
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.
Condo
Built in 1988
1,115 sqft lot
$N/A/sqft
$425 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95242, Lodi, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,694 (100%) |
| Owner Occupied HU | 7,970 (68.2%) |
| Renter Occupied HU | 3,306 (28.3%) |
| Vacant Housing Units | 418 ( 3.6%) |
| Median Home Value | $632,083 |
| Average Home Value | $662,626 |
Housing Distribution
Address Breakdown
Residential
11,586
Single Family
10,713
Multi-Family
873
Businesses
511
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
Condo
Built in 1988
1,115 sqft lot
$N/A/sqft
$425 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95242, Lodi, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,694 (100%) |
| Owner Occupied HU | 7,970 (68.2%) |
| Renter Occupied HU | 3,306 (28.3%) |
| Vacant Housing Units | 418 ( 3.6%) |
| Median Home Value | $632,083 |
| Average Home Value | $662,626 |
Housing Distribution
Address Breakdown
Residential
11,586
Single Family
10,713
Multi-Family
873
Businesses
511
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices