2557 Pinkerton WayLodiCA95242
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 2557 Pinkerton Way, Lodi, CA, 95242 in Lodi at $849,950, 5.97% gross yield, is a market-growth asset. Rental yield 5.97%. The $4,226/mo rent partially funds the $3,822/mo debt service; the core return is the 5%/yr price growth projected to add $234,826 over five years. Ziffy Mortgage's DSCR mortgage (1.11) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $244,073.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 6.0% |
| Monthly Cash Flow | $(1,228) | $400 |
City averages based on Lodi market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,226 |
| Total Monthly Debt Service | $5,116 |
| DSCR Ratio | 0.83x |
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 2005
9,596 sqft lot
$N/A/sqft
$55 annually 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
Single Family
Built in 2005
9,596 sqft lot
$N/A/sqft
$55 annually 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
Listed by: Shannon Stallings • KW Lockeford
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225050702
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