520 El Camino RealSan CarlosCA94070
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 520 El Camino Real, San Carlos, CA, 94070 in San Carlos worth study. Rental yield 5.65%. The 5.65% gross yield is below cash-flow benchmarks at $1,070,000, but 5% annual appreciation, adding $295,621 over five years, frames this as a capital growth position. Rent of $5,040/mo partially offsets the $4,811/mo payment. Ziffy Mortgage finances appreciation-play properties (1.05 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.7% | 7.0% |
| Monthly Cash Flow | $(12,207) | $1,800 |
City averages based on San Carlos market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,040 |
| Total Monthly Debt Service | $16,821 |
| DSCR Ratio | 0.30x |
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 2022
8,842 sqft lot
$N/A/sqft
$500 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94070, San Carlos, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,586 (100%) |
| Owner Occupied HU | 8,540 (67.9%) |
| Renter Occupied HU | 3,549 (28.2%) |
| Vacant Housing Units | 497 ( 3.9%) |
| Median Home Value | $2,000,001 |
| Average Home Value | $1,849,212 |
Housing Distribution
Address Breakdown
Residential
12,507
Single Family
9,424
Multi-Family
3,083
Businesses
2,179
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 2022
8,842 sqft lot
$N/A/sqft
$500 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94070, San Carlos, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,586 (100%) |
| Owner Occupied HU | 8,540 (67.9%) |
| Renter Occupied HU | 3,549 (28.2%) |
| Vacant Housing Units | 497 ( 3.9%) |
| Median Home Value | $2,000,001 |
| Average Home Value | $1,849,212 |
Housing Distribution
Address Breakdown
Residential
12,507
Single Family
9,424
Multi-Family
3,083
Businesses
2,179
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices