120 Sunol StSan JoseCA95126
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 120 Sunol St, San Jose, CA, 95126 in San Jose is capital appreciation. Rental yield 5.36%. The 5.36% gross yield at $1,258,800 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $347,783 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.99) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $304,121.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.4% | 6.0% |
| Monthly Cash Flow | $(2,730) | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,621 |
| Total Monthly Debt Service | $7,850 |
| DSCR Ratio | 0.72x |
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 2004
1,420 sqft lot
$N/A/sqft
$420 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95126, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,368 (100%) |
| Owner Occupied HU | 4,905 (26.7%) |
| Renter Occupied HU | 12,253 (66.7%) |
| Vacant Housing Units | 1,210 ( 6.6%) |
| Median Home Value | $1,438,605 |
| Average Home Value | $1,482,739 |
Housing Distribution
Address Breakdown
Residential
17,293
Single Family
10,636
Multi-Family
6,657
Businesses
1,415
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 2004
1,420 sqft lot
$N/A/sqft
$420 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95126, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,368 (100%) |
| Owner Occupied HU | 4,905 (26.7%) |
| Renter Occupied HU | 12,253 (66.7%) |
| Vacant Housing Units | 1,210 ( 6.6%) |
| Median Home Value | $1,438,605 |
| Average Home Value | $1,482,739 |
Housing Distribution
Address Breakdown
Residential
17,293
Single Family
10,636
Multi-Family
6,657
Businesses
1,415
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Doris Vela • KW SELA
Mls Name: MLSListings Inc
Mls Provider:
Mls ID: #ML82004175
Disclaimer: Based on information from the MLSListings MLS as of 2025-04-25 14:13:33 PDT. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.