712 Peach StLodiCA95242
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 712 Peach St, Lodi, CA, 95242 in Lodi is narrow, $100/mo net on $2,976/mo rent after the $2,091/mo debt service, but the property operates at break-even-plus, not a loss. At $464,950 with a 7.68% yield, the long-run equity case via 5% appreciation ($128,457 over five years) and $4,282/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.42 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $182,725.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.0% |
| Monthly Cash Flow | $100 | $400 |
City averages based on Lodi market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,976 |
| Total Monthly Debt Service | $2,691 |
| DSCR Ratio | 1.11x |
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 1960
0.31 Acres lot
$N/A/sqft
No 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 1960
0.31 Acres lot
$N/A/sqft
No 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: Marlon Foust • Century 21 Select Real Estate
Mls Name: MetroList Services of CA
Mls ID: #225148170