20 Del Rio Cir #20SoquelCA95073
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 20 Del Rio Cir #20, Soquel, CA, 95073 in Soquel is capital appreciation. Rental yield 5.03%. The 5.03% gross yield at $715,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $197,541 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.93) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $179,563.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 5.5% |
| Monthly Cash Flow | $(1,423) | $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 | $4,139 |
| DSCR Ratio | 0.72x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2009
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 2009
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