700 McCoy Ct APT 32LodiCA95240
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowReliable, bankable, and well-priced, 700 McCoy Ct APT 32, Lodi, CA, 95240 in Lodi delivers $2,095/mo in gross rent and $454/mo in net monthly income at a $182,500 entry. The 13.78% yield and 2.55 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $50,421 over five years and $1,681/yr in equity from loan paydown, total projected return is $100,656.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.8% | 6.0% |
| Monthly Cash Flow | $454 | $400 |
City averages based on Lodi market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,095 |
| Total Monthly Debt Service | $1,568 |
| DSCR Ratio | 1.34x |
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 1982
91.48 sqft lot
$N/A/sqft
$463 monthly 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
Condo
Built in 1982
91.48 sqft lot
$N/A/sqft
$463 monthly 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
Listed by: Kenny Dugdale • eXp Realty of California Inc.
Mls Name: MetroList Services of CA
Mls ID: #225078736