3639 Hardin WaySoquelCA95073
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 3639 Hardin Way, Soquel, CA, 95073 in Soquel is narrow, $160/mo net on $9,656/mo rent after the $6,740/mo debt service, but the property operates at break-even-plus, not a loss. At $1,499,000 with a 7.73% yield, the long-run equity case via 5% appreciation ($414,146 over five years) and $13,806/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.43 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $579,652.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 5.5% |
| Monthly Cash Flow | $160 | $350 |
City averages based on Soquel market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $9,656 |
| Total Monthly Debt Service | $8,900 |
| DSCR Ratio | 1.08x |
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.
Single Family
Built in 1973
7,928 sqft 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
Single Family
Built in 1973
7,928 sqft 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