864 Rutledge DrLodiCA95242
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeMost investment properties struggle to clear the 1.25x DSCR minimum. 864 Rutledge Dr, Lodi, CA, 95242 in Lodi clears it at 1.58, a meaningful distinction for the Ziffy Mortgage DSCR approval process. Rental yield 8.53%. Strong coverage makes approval clean and leaves room for vacancy without breaching underwriting thresholds. Five-year appreciation: $88,410; $2,947/yr in principal equity; total projected return: $140,360.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.0% |
| Monthly Cash Flow | $(29) | $400 |
City averages based on Lodi market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,275 |
| Total Monthly Debt Service | $1,852 |
| DSCR Ratio | 1.23x |
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 1973
666.47 sqft 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
Condo
Built in 1973
666.47 sqft 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: N/A • N/A
Mls Name: MetroList Services of CA
Mls ID: #226033663