917 S Humboldt StSan MateoCA94402
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 917 S Humboldt St, San Mateo, CA, 94402 in San Mateo fits: $1,858,000, 2.88% gross yield, and a projected 5% annual appreciation rate adding $513,331 in value within five years. Rental yield 2.88%. 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. $17,112/yr in principal paydown and $513,331 in appreciation project a total return of $251,367.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.9% | 5.0% |
| Monthly Cash Flow | $(7,042) | $300 |
City averages based on San Mateo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,452 |
| Total Monthly Debt Service | $10,755 |
| DSCR Ratio | 0.41x |
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 1930
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94402, San Mateo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,423 (100%) |
| Owner Occupied HU | 6,188 (54.2%) |
| Renter Occupied HU | 4,581 (40.1%) |
| Vacant Housing Units | 654 ( 5.7%) |
| Median Home Value | $2,000,001 |
| Average Home Value | $1,853,864 |
Housing Distribution
Address Breakdown
Residential
10,477
Single Family
7,593
Multi-Family
2,884
Businesses
1,266
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 1930
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94402, San Mateo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,423 (100%) |
| Owner Occupied HU | 6,188 (54.2%) |
| Renter Occupied HU | 4,581 (40.1%) |
| Vacant Housing Units | 654 ( 5.7%) |
| Median Home Value | $2,000,001 |
| Average Home Value | $1,853,864 |
Housing Distribution
Address Breakdown
Residential
10,477
Single Family
7,593
Multi-Family
2,884
Businesses
1,266
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sherry Cottonaro • Coldwell Banker Realty
Mls Name: MLSListings Inc
Mls ID: #ML82018769