200 Deer Valley Rd APT 3ESan RafaelCA94903
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play200 Deer Valley Rd APT 3E, San Rafael, CA, 94903 in San Rafael is priced for appreciation, not yield. Rental yield 4.32%. At $1,235,000 with a 4.32% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $341,208 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.80) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $42,710.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.3% | 5.5% |
| Monthly Cash Flow | $(6,861) | $1,200 |
City averages based on San Rafael market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,441 |
| Total Monthly Debt Service | $10,811 |
| DSCR Ratio | 0.41x |
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 1991
1,319 sqft lot
$N/A/sqft
$3,662 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 1991
1,319 sqft lot
$N/A/sqft
$3,662 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: Christine C Flechsig • Coldwell Banker Realty
Mls Name: BAREIS
Mls Provider:
Mls ID: #325031236
Disclaimer: Listing information deemed reliable but not guaranteed. Copyright 2025 Bay Area Real Estate Information Services, Inc. All Right Reserved.