50 S Main St UNIT 3ALodiNJ07644
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 50 S Main St UNIT 3A, Lodi, NJ, 07644 in Lodi hard to pass up. The 20.74% gross yield on a $135,000 purchase results in $2,333/mo in rent and $1,093/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (3.84). Annual cash flow of $13,110, five-year appreciation of $37,298, and $1,243/yr in equity build-up combine for a projected total cumulative return of $123,302.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 20.7% | 6.2% |
| Monthly Cash Flow | $1,093 | $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 | $2,333 |
| Total Monthly Debt Service | $1,187 |
| DSCR Ratio | 1.97x |
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 1966
N/A lot
$N/A/sqft
$278 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 1966
N/A lot
$N/A/sqft
$278 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