511 E Locust StLodiCA95240
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 511 E Locust St, Lodi, CA, 95240 in Lodi speaks for itself: 11.1% gross on a $495,000 price, generating $4,577/mo in rent and $1,515/mo in net income after the $2,226/mo debt service. DSCR 2.06, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $18,176 stacks alongside $136,759 in projected five-year appreciation and $4,559/yr in principal reduction. Projected total cumulative return: $285,173.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.1% | 6.0% |
| Monthly Cash Flow | $1,515 | $400 |
City averages based on Lodi market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,577 |
| Total Monthly Debt Service | $2,865 |
| DSCR Ratio | 1.60x |
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.
Single Family
Built in 1924
8,500 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 |
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
Single Family
Built in 1924
8,500 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 |
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