428 Cherry St, Lodi, CA, 95240 | $1,185/mo Cash Flow

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NMLS #2625701

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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

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Investment Highlights

Investment property for sale in Lodi at 428 Cherry St, Lodi, CA, 95240 with 5% annual appreciation on a $445,000 basis while $3,938/mo rent supports operations. Total monthly income totals $3,938/mo and a $2,178/mo payment preserves $1,185/mo for cash returns. Annual cash flow comes to $14,222/yr on $147,518 deployed, and return on cash invested reaches 29.55% in year one. Equity gained on principal adds $2,872/yr, and five-year appreciation sums $122,945 alongside rental yield of 10.62%. Five-year ROI measures 154.56% and total cumulative return in cash totals $227,996.

Investors can finance this property with Ziffy Mortgage’s DSCR loan that underwrites to $3,938/mo property income versus a $2,178/mo payment rather than your W2s, Paystubs, Tax returns, or 1099 forms.

Single Family

Built in 1930

5,279 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