21501 Donner Pass Rd #13Soda SpringsCA95728
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe cash-flow margin at 21501 Donner Pass Rd #13, Soda Springs, CA, 95728 in Soda Springs is narrow, $45/mo net on $2,995/mo rent after the $1,596/mo debt service, but the property operates at break-even-plus, not a loss. At $355,000 with a 10.12% yield, the long-run equity case via 5% appreciation ($98,080 over five years) and $3,270/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.88 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $186,065.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 6.0% |
| Monthly Cash Flow | $45 | $500 |
City averages based on Soda Springs market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,995 |
| Total Monthly Debt Service | $2,055 |
| DSCR Ratio | 1.46x |
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.
Townhouse
Built in 1925
871.20 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95728, Soda Springs, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 574 (100%) |
| Owner Occupied HU | 93 (16.2%) |
| Renter Occupied HU | 28 ( 4.9%) |
| Vacant Housing Units | 453 (78.9%) |
| Median Home Value | $706,731 |
| Average Home Value | $773,522 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
23
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
Townhouse
Built in 1925
871.20 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95728, Soda Springs, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 574 (100%) |
| Owner Occupied HU | 93 (16.2%) |
| Renter Occupied HU | 28 ( 4.9%) |
| Vacant Housing Units | 453 (78.9%) |
| Median Home Value | $706,731 |
| Average Home Value | $773,522 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
23
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: TSMLS
Mls ID: #20260273