1136 Ribisi CirSan JoseCA95131
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 1136 Ribisi Cir, San Jose, CA, 95131 in San Jose at $930,000. Rental yield 6.21%. The 6.21% yield and 1.15 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $256,942 by year five, and $8,565/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $292,056.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.2% | 6.0% |
| Monthly Cash Flow | $(1,359) | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,812 |
| Total Monthly Debt Service | $5,383 |
| DSCR Ratio | 0.89x |
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 1971
1,540 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95131, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,194 (100%) |
| Owner Occupied HU | 5,846 (52.2%) |
| Renter Occupied HU | 4,586 (41.0%) |
| Vacant Housing Units | 762 ( 6.8%) |
| Median Home Value | $1,261,536 |
| Average Home Value | $1,231,983 |
Housing Distribution
Address Breakdown
Residential
9,913
Single Family
9,412
Multi-Family
501
Businesses
2,034
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 1971
1,540 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95131, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,194 (100%) |
| Owner Occupied HU | 5,846 (52.2%) |
| Renter Occupied HU | 4,586 (41.0%) |
| Vacant Housing Units | 762 ( 6.8%) |
| Median Home Value | $1,261,536 |
| Average Home Value | $1,231,983 |
Housing Distribution
Address Breakdown
Residential
9,913
Single Family
9,412
Multi-Family
501
Businesses
2,034
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Miki Yang • TopSky Realty Inc
Mls Name: MLSListings Inc
Mls ID: #ML82032403