3901 Middlefield Rd APT GPalo AltoCA94303
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 3901 Middlefield Rd APT G, Palo Alto, CA, 94303 in Palo Alto worth study. Rental yield 4.47%. The 4.47% gross yield is below cash-flow benchmarks at $808,000, but 5% annual appreciation, adding $223,236 over five years, frames this as a capital growth position. Rent of $3,166/mo partially offsets the $3,633/mo payment. Ziffy Mortgage finances appreciation-play properties (0.87 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $188,490.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 5.8% |
| Monthly Cash Flow | $(3,037) | $2,000 |
City averages based on Palo Alto market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,166 |
| Total Monthly Debt Service | $4,677 |
| DSCR Ratio | 0.68x |
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 1961
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94303, Palo Alto, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,452 (100%) |
| Owner Occupied HU | 7,276 (50.3%) |
| Renter Occupied HU | 6,372 (44.1%) |
| Vacant Housing Units | 804 ( 5.6%) |
| Median Home Value | $2,000,001 |
| Average Home Value | $1,730,310 |
Housing Distribution
Address Breakdown
Residential
14,179
Single Family
10,525
Multi-Family
3,654
Businesses
1,127
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 1961
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94303, Palo Alto, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,452 (100%) |
| Owner Occupied HU | 7,276 (50.3%) |
| Renter Occupied HU | 6,372 (44.1%) |
| Vacant Housing Units | 804 ( 5.6%) |
| Median Home Value | $2,000,001 |
| Average Home Value | $1,730,310 |
Housing Distribution
Address Breakdown
Residential
14,179
Single Family
10,525
Multi-Family
3,654
Businesses
1,127
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Grace Tsang • Intero Real Estate Services
Mls Name: MLSListings Inc
Mls Provider:
Mls ID: #ML82000614