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Lodi, CA Flip MOS Underwriting Tape (95240)

FlipScout underwriting tape for Lodi, CA (95240) — 41 actives, 0 Verified / 27 Modeled. Absorption: Elevated supply / slow absorption; sold_6m=35 (FlipScout DB coverage, not full MLS). Hard Reject % withheld until ≥3 Verified-with-ARV actives — sold liquidity and MOS remain the primary published signals.

Signal Narrative

Lodi, CA (95240) is a FlipScout Goldmine underwriting terminal. Primary signal is sold liquidity: sold_6m=35 (FlipScout DB closings in 6 months — not full MLS), 41 actives on tape. Trusted months of supply = 7.0 mo (Elevated supply / slow absorption; velocity ≈ 5.8 closings/mo). Honesty mix: 0 Verified / 27 Modeled / 14 Unscored. Hard Reject % and Verified margins are withheld until ≥3 Verified-with-ARV actives — we do not invent ask-tape from Modeled comps. Directional Modeled ask margin median is +7.5% (n=27) — labeled Modeled, not Verified. Same QDA stack as this Hard Reject rate — stress-test asks on the published QDA stack, or read the fix and flip underwriting method.

Underwriting terminal

Neighborhood tape

As of 2026-07-31T06:43:18Z · Daily snapshot · FlipScout DB · MAO solver Pro

Quant Art

Neighborhood math

Sold liquidity + MOS primary · ask-tape pending Verified depth · 2026-07-31T06:43:18Z · daily snapshot

Absorption dial
7.0 MOS mo

MOS = actives ÷ (sold_6m ÷ 6) = 41 ÷ (35 ÷ 6) = 41 ÷ 5.8

Sold window 6 mo · FlipScout DB coverage, not full MLS · zones 4 / 6 / 12

Sold liquidity stripe
sold_6m 35 actives 41

monthly_velocity = sold_6m / 6 = 35 / 6 = 5.8 closings/mo

Real FlipScout DB solds · refreshed with nightly goldmine tape

Ask-tape status

Verified ask sample too thin for Hard Reject % and Verified margin ladder (need ≥3 Verified-with-ARV). Verified actives: 0.

Modeled actives: 27 · Median Modeled ask margin: +7.5% (directional only — not Verified comps).

This Goldmine still underwrites via sold liquidity + MOS. Hard Reject rates publish when Verified-with-ARV depth clears n≥3.

Same QDA stack as this Hard Reject rate · Underwriting method

Absorption / MOS

Elevated supply / slow absorption

MOS 7.0 mo

sold_6m 35 · actives 41 · High confidence

35 sold in 6 months — solid zip absorption sample.

Total Listings

41

Verified 0 · Modeled 27 · Unscored 14

Median Modeled margin

7.5%

Directional Modeled ask tape · n=27 · not Verified comps

Rehab bands

Verified rehab $/sqft bands need deeper Verified sample.

Verified · condition tier $/sqft

Median Apex

N/A

Insufficient scored Apex sample (0-sentinel excluded)

Trajectory

Stable

Neighborhood enrichment signal

Honesty mix

0.0% Verified

Modeled 65.9% · Unscored 34.1%

List → ARV discount

—

Deep share — · n=—

Hold bleed pressure

—

Banded aggregate · Peak Cash UI Pro

Zero Verified actives — Hard Reject / margin tape withheld (Modeled-only).

Same QDA stack as this Hard Reject rate · Fix & flip underwriting · Deal finder · Absorption regimes

Active inventory

40 shown of 41 actives · streets locked · price / margin / Apex live · median list $498,944 · mix V0/M40/U0

Each row is an underwriting brief at /property/{id} in ZIP 95240. Margins labeled Modeled are directional — not Verified comps.

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PriceMarginApexHonestyListing
$706,9907.5% M53Modeled

Lodi, CA · Modeled listing

Open brief$579,9007.5% M53Modeled

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Open brief$524,8887.5% M53Modeled

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Open brief$500,0007.5% M53Modeled

Lodi, CA · Modeled listing

Open brief$498,8887.5% M53Modeled

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Open brief$494,5007.5% M53Modeled

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Open brief$485,0007.5% M53Modeled

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Open brief$485,0007.5% M53Modeled

Lodi, CA · Modeled listing

Open brief$484,9007.5% M53Modeled

Lodi, CA · Modeled listing

Open brief$477,0007.5% M53Modeled

Lodi, CA · Modeled listing

Open brief$449,0007.5% M53Modeled

Lodi, CA · Modeled listing

Open brief$429,0007.5% M53Modeled

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Open brief$425,0007.5% M53Modeled

Lodi, CA · Modeled listing

Open brief$425,0007.5% M53Modeled

Lodi, CA · Modeled listing

Open brief$419,0007.5% M53Modeled

Lodi, CA · Modeled listing

Open brief$399,0007.5% M53Modeled

Lodi, CA · Modeled listing

Open brief$325,0007.5% M53Modeled

Lodi, CA · Modeled listing

Open brief$319,0007.5% M53Modeled

Lodi, CA · Modeled listing

Open brief$285,0007.5% M53Modeled

Lodi, CA · Modeled listing

Open brief$280,0007.5% M53Modeled

Lodi, CA · Modeled listing

Open brief$629,0007.5% M53Modeled

Lodi, CA · Modeled listing

Open brief$779,9007.4% M53Modeled

Lodi, CA · Modeled listing

Open brief$635,0002.2% M49Modeled

Lodi, CA · Modeled listing

Open brief$669,0001.9% M49Modeled

Lodi, CA · Modeled listing

Open brief$677,2701.8% M49Modeled

Lodi, CA · Modeled listing

Open brief$725,0001.4% M48Modeled

Lodi, CA · Modeled listing

Open brief$741,0000.7% M48Modeled

Lodi, CA · Modeled listing

Open brief$788,000——Modeled

Lodi, CA · Modeled listing

Open brief$434,500——Modeled

Lodi, CA · Modeled listing

Open brief$499,000——Modeled

Lodi, CA · Modeled listing

Open brief$499,000——Modeled

Lodi, CA · Modeled listing

Open brief$399,000——Modeled

Lodi, CA · Modeled listing

Open brief$550,000——Modeled

Lodi, CA · Modeled listing

Open brief$648,999——Modeled

Lodi, CA · Modeled listing

Open brief$549,000——Modeled

Lodi, CA · Modeled listing

Open brief$529,000——Modeled

Lodi, CA · Modeled listing

Open brief$470,000——Modeled

Lodi, CA · Modeled listing

Open brief$539,000——Modeled

Lodi, CA · Modeled listing

Open brief$399,000——Modeled

Lodi, CA · Modeled listing

Open brief$565,000——Modeled

Lodi, CA · Modeled listing

Open brief

Verified Invest Deals

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PriceMarginApexAddress
No Verified Invest deals yet0 Verified Invest Deals Currently Available — actives are Modeled or unscored; honesty gate withholds the invest feed.

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