100 Thorndale Drive #432San RafaelCA94903
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeMost investment properties struggle to clear the 1.25x DSCR minimum. 100 Thorndale Drive #432, San Rafael, CA, 94903 in San Rafael clears it at 1.82, a meaningful distinction for the Ziffy Mortgage DSCR approval process. Rental yield 9.05%. Strong coverage makes approval clean and leaves room for vacancy without breaching underwriting thresholds.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 5.5% |
| Monthly Cash Flow | $(5,082) | $1,200 |
City averages based on San Rafael market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,230 |
| Total Monthly Debt Service | $6,154 |
| DSCR Ratio | 0.20x |
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.
Condo
Built in 1985
775.37 sqft lot
$N/A/sqft
$4,989 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94903, San Rafael, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,861 (100%) |
| Owner Occupied HU | 8,180 (63.6%) |
| Renter Occupied HU | 4,010 (31.2%) |
| Vacant Housing Units | 671 ( 5.2%) |
| Median Home Value | $1,203,742 |
| Average Home Value | $1,243,118 |
Housing Distribution
Address Breakdown
Residential
12,444
Single Family
9,664
Multi-Family
2,780
Businesses
1,458
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 1985
775.37 sqft lot
$N/A/sqft
$4,989 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94903, San Rafael, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,861 (100%) |
| Owner Occupied HU | 8,180 (63.6%) |
| Renter Occupied HU | 4,010 (31.2%) |
| Vacant Housing Units | 671 ( 5.2%) |
| Median Home Value | $1,203,742 |
| Average Home Value | $1,243,118 |
Housing Distribution
Address Breakdown
Residential
12,444
Single Family
9,664
Multi-Family
2,780
Businesses
1,458
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Rachel Percival • Compass
Mls Name: BAREIS
Mls Provider:
Mls ID: #324007155
Disclaimer: Listing information deemed reliable but not guaranteed. Copyright 2025 Bay Area Real Estate Information Services, Inc. All Right Reserved.