2524 Winchester Dr #3LodiCA95240
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe cash-flow margin at 2524 Winchester Dr #3, Lodi, CA, 95240 in Lodi is narrow, $128/mo net on $2,070/mo rent after the $1,068/mo debt service, but the property operates at break-even-plus, not a loss. At $237,500 with a 10.46% yield, the long-run equity case via 5% appreciation ($65,617 over five years) and $2,187/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.94 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $100,357.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 6.0% |
| Monthly Cash Flow | $128 | $400 |
City averages based on Lodi market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,070 |
| Total Monthly Debt Service | $1,848 |
| DSCR Ratio | 1.12x |
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.
Condo
Built in 1983
775.37 sqft lot
$N/A/sqft
$463 monthly 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
Condo
Built in 1983
775.37 sqft lot
$N/A/sqft
$463 monthly 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: Tim Toste • Century 21 Select Real Estate
Mls Name: MetroList Services of CA
Mls ID: #225055223