2432 Willow St #811San MateoCA94403
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 2432 Willow St #811, San Mateo, CA, 94403 in San Mateo fits: $1,833,265, 2.84% gross yield, and a projected 5% annual appreciation rate adding $506,497 in value within five years. Rental yield 2.84%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.53) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $16,885/yr in principal paydown and $506,497 in appreciation project a total return of $213,352.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.8% | 5.0% |
| Monthly Cash Flow | $(7,522) | $300 |
City averages based on San Mateo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,338 |
| Total Monthly Debt Service | $11,130 |
| DSCR Ratio | 0.39x |
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.
Townhouse
Built in 2025
1,609 sqft lot
$N/A/sqft
$519 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94403, San Mateo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,063 (100%) |
| Owner Occupied HU | 9,115 (50.5%) |
| Renter Occupied HU | 8,169 (45.2%) |
| Vacant Housing Units | 779 ( 4.3%) |
| Median Home Value | $1,780,439 |
| Average Home Value | $1,705,852 |
Housing Distribution
Address Breakdown
Residential
17,939
Single Family
11,963
Multi-Family
5,976
Businesses
1,296
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
Townhouse
Built in 2025
1,609 sqft lot
$N/A/sqft
$519 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94403, San Mateo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,063 (100%) |
| Owner Occupied HU | 9,115 (50.5%) |
| Renter Occupied HU | 8,169 (45.2%) |
| Vacant Housing Units | 779 ( 4.3%) |
| Median Home Value | $1,780,439 |
| Average Home Value | $1,705,852 |
Housing Distribution
Address Breakdown
Residential
17,939
Single Family
11,963
Multi-Family
5,976
Businesses
1,296
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michele Tancredi • Pulte Group
Mls Name: MLSListings Inc
Mls Provider:
Mls ID: #ML81999977
Disclaimer: Based on information from the MLSListings MLS as of 2025-03-28 14:06:28 PDT. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.