454 Upper RdSan RafaelCA94903
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 454 Upper Rd, San Rafael, CA, 94903 in San Rafael is capital appreciation. Rental yield 4.91%. The 4.91% gross yield at $1,913,400 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $528,637 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.91) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $422,067.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 5.5% |
| Monthly Cash Flow | $(4,766) | $1,200 |
City averages based on San Rafael market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,832 |
| Total Monthly Debt Service | $11,837 |
| DSCR Ratio | 0.66x |
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.
Single Family
Built in 2005
0.32 Acres lot
$N/A/sqft
No 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
Single Family
Built in 2005
0.32 Acres lot
$N/A/sqft
No 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: N/A • N/A
Mls Name: undefined
Mls ID: #N/A