7 Willow CtLodiCA95242
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors who value predictability will appreciate 7 Willow Ct, Lodi, CA, 95242 in Lodi. At $299,000 it earns $2,610/mo in rent and distributes $444/mo to the owner after the $1,344/mo payment, a consistent 10.47% yield. DSCR 1.94 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $82,608 in value; $2,754/yr in principal paydown compounds ownership stake. Total projected return: $143,376.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 6.0% |
| Monthly Cash Flow | $444 | $400 |
City averages based on Lodi market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,610 |
| Total Monthly Debt Service | $2,047 |
| DSCR Ratio | 1.27x |
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 1985
5,097 sqft lot
$N/A/sqft
$205 monthly 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 1985
5,097 sqft lot
$N/A/sqft
$205 monthly 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: Amy Molles • Allison James Estates & Homes
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #224131275
Disclaimer: Copyright MetroList Services, Inc. All rights reserved. Information is deemed reliable but not guaranteed.