20812 4th St APT 9SaratogaCA95070
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingRental yield 6.53%. No single metric is exceptional, but the combination offers a durable, low-volatility return profile suitable for risk-conscious global investors. Ziffy Mortgage's mortgage qualifies on DSCR alone, no U.S. credit history required. Five-year appreciation adds $248,101, and $8,271/yr in principal equity projects total return of $235,252.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.5% | 5.0% |
| Monthly Cash Flow | $(1,706) | $3,200 |
City averages based on Saratoga market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,884 |
| Total Monthly Debt Service | $6,233 |
| DSCR Ratio | 0.78x |
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 1970
N/A lot
$N/A/sqft
$690 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95070, Saratoga, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,681 (100%) |
| Owner Occupied HU | 9,380 (80.3%) |
| Renter Occupied HU | 1,775 (15.2%) |
| Vacant Housing Units | 526 ( 4.5%) |
| Median Home Value | $2,000,001 |
| Average Home Value | $1,980,693 |
Housing Distribution
Address Breakdown
Residential
11,654
Single Family
11,031
Multi-Family
623
Businesses
958
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 1970
N/A lot
$N/A/sqft
$690 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95070, Saratoga, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,681 (100%) |
| Owner Occupied HU | 9,380 (80.3%) |
| Renter Occupied HU | 1,775 (15.2%) |
| Vacant Housing Units | 526 ( 4.5%) |
| Median Home Value | $2,000,001 |
| Average Home Value | $1,980,693 |
Housing Distribution
Address Breakdown
Residential
11,654
Single Family
11,031
Multi-Family
623
Businesses
958
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices