18009 Harvard CtSonomaCA95476
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 18009 Harvard Ct, Sonoma, CA, 95476 in Sonoma speaks for itself: 10.66% gross on a $860,000 price, generating $7,639/mo in rent and $1,364/mo in net income after the $3,867/mo debt service. DSCR 1.98, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $16,367 stacks alongside $237,602 in projected five-year appreciation and $7,921/yr in principal reduction. Projected total cumulative return: $417,978.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 6.0% |
| Monthly Cash Flow | $1,364 | $500 |
City averages based on Sonoma market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,639 |
| Total Monthly Debt Service | $5,933 |
| DSCR Ratio | 1.29x |
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 1987
2,335 sqft lot
$N/A/sqft
$690 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95476, Sonoma, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,507 (100%) |
| Owner Occupied HU | 9,082 (55.0%) |
| Renter Occupied HU | 5,536 (33.5%) |
| Vacant Housing Units | 1,889 (11.4%) |
| Median Home Value | $938,157 |
| Average Home Value | $1,126,483 |
Housing Distribution
Address Breakdown
Residential
15,506
Single Family
14,519
Multi-Family
987
Businesses
1,816
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 1987
2,335 sqft lot
$N/A/sqft
$690 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95476, Sonoma, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,507 (100%) |
| Owner Occupied HU | 9,082 (55.0%) |
| Renter Occupied HU | 5,536 (33.5%) |
| Vacant Housing Units | 1,889 (11.4%) |
| Median Home Value | $938,157 |
| Average Home Value | $1,126,483 |
Housing Distribution
Address Breakdown
Residential
15,506
Single Family
14,519
Multi-Family
987
Businesses
1,816
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices