6416 Hillside DrSoda SpringsCA95728
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 6416 Hillside Dr, Soda Springs, CA, 95728 in Soda Springs worth study. Rental yield 3.15%. The 3.15% gross yield is below cash-flow benchmarks at $1,375,000, but 5% annual appreciation, adding $379,887 over five years, frames this as a capital growth position. Rent of $3,605/mo partially offsets the $6,183/mo payment. Ziffy Mortgage finances appreciation-play properties (0.58 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $205,958.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.2% | 6.0% |
| Monthly Cash Flow | $(4,901) | $500 |
City averages based on Soda Springs market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,605 |
| Total Monthly Debt Service | $7,959 |
| DSCR Ratio | 0.45x |
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.
Single Family
Built in N/A
0.27 Acres 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
Single Family
Built in N/A
0.27 Acres 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: Beth Tanhoff • Engel & Volkers Truckee
Mls Name: TSMLS
Mls ID: #20251637