17 Pepperwood Way #17SoquelCA95073
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 17 Pepperwood Way #17, Soquel, CA, 95073 in Soquel: $3,000/mo in rent, $538/mo in net income, 9.05% gross yield, 1.68 DSCR, all at $398,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $109,960 in appreciation and $3,666/yr in principal paydown projects total cumulative return of $185,509.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 5.5% |
| Monthly Cash Flow | $538 | $350 |
City averages based on Soquel market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,000 |
| Total Monthly Debt Service | $2,304 |
| DSCR Ratio | 1.30x |
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.
Manufactured
Built in 1973
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95073, Soquel, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,405 (100%) |
| Owner Occupied HU | 2,901 (65.9%) |
| Renter Occupied HU | 1,180 (26.8%) |
| Vacant Housing Units | 324 ( 7.4%) |
| Median Home Value | $1,198,807 |
| Average Home Value | $1,240,787 |
Housing Distribution
Address Breakdown
Residential
4,083
Single Family
4,004
Multi-Family
79
Businesses
761
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
Manufactured
Built in 1973
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95073, Soquel, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,405 (100%) |
| Owner Occupied HU | 2,901 (65.9%) |
| Renter Occupied HU | 1,180 (26.8%) |
| Vacant Housing Units | 324 ( 7.4%) |
| Median Home Value | $1,198,807 |
| Average Home Value | $1,240,787 |
Housing Distribution
Address Breakdown
Residential
4,083
Single Family
4,004
Multi-Family
79
Businesses
761
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: David Webb • eXp Realty of California Inc
Mls Name: MLSListings Inc
Mls ID: #ML82034313