44 S Main St APT 3CLodiNJ07644
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowAt 1.88, 44 S Main St APT 3C, Lodi, NJ, 07644 in Lodi sits at the top of Ziffy Mortgage's DSCR coverage band, a significant advantage for non-U.S. buyers closing without domestic income documentation. Rental yield 10.16%. The 10.16% yield is backed by 5% annual appreciation projecting $95,317 in value gain, plus $3,177/yr in principal reduction. Total projected cumulative return: $129,885.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.2% | 6.2% |
| Monthly Cash Flow | $(73) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,920 |
| Total Monthly Debt Service | $2,856 |
| DSCR Ratio | 1.02x |
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 N/A
N/A lot
$N/A/sqft
$534 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07644, Lodi, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,567 (100%) |
| Owner Occupied HU | 4,236 (40.1%) |
| Renter Occupied HU | 5,912 (55.9%) |
| Vacant Housing Units | 419 ( 4.0%) |
| Median Home Value | $527,335 |
| Average Home Value | $585,640 |
Housing Distribution
Address Breakdown
Residential
8,770
Single Family
8,453
Multi-Family
317
Businesses
737
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 N/A
N/A lot
$N/A/sqft
$534 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 07644, Lodi, NJ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,567 (100%) |
| Owner Occupied HU | 4,236 (40.1%) |
| Renter Occupied HU | 5,912 (55.9%) |
| Vacant Housing Units | 419 ( 4.0%) |
| Median Home Value | $527,335 |
| Average Home Value | $585,640 |
Housing Distribution
Address Breakdown
Residential
8,770
Single Family
8,453
Multi-Family
317
Businesses
737
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jan Kwapniewski • Coccia Realty Better Homes & Gardens
Mls Name: NJMLS
Mls Provider:
Mls ID: #25018919
Disclaimer: The data relating to the real estate for sale on this web site comes in part from the Internet Data Exchange Program of the NJMLS. Real estate listings held by brokerage firms other than Zillow, Inc. are marked with the Internet Data Exchange logo and information about them includes the name of the listing brokers. Some properties listed with the participating brokers do not appear on this website at the request of the seller. Listings of brokers that do not participate in Internet Data Exchange do not appear on this website. All information deemed reliable but not guaranteed. Last date updated: 2025-10-27 03:55:15 PDT Source: New Jersey Multiple Listing, Inc. 2025 New Jersey Multiple Listing Service Inc. All rights reserved.