123 W Reed StSan JoseCA95110
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 123 W Reed St, San Jose, CA, 95110 in San Jose. Rental yield 4.76%. At $1,680,000 with 4.76% gross yield, current distributions are modest, but the 5% appreciation rate projects $464,153 in new equity by year five, complemented by $15,473/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.88) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $343,228.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.8% | 6.0% |
| Monthly Cash Flow | $(4,627) | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,664 |
| Total Monthly Debt Service | $10,622 |
| DSCR Ratio | 0.63x |
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 2024
N/A lot
$N/A/sqft
$245 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95110, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,128 (100%) |
| Owner Occupied HU | 2,342 (28.8%) |
| Renter Occupied HU | 4,967 (61.1%) |
| Vacant Housing Units | 819 (10.1%) |
| Median Home Value | $1,072,331 |
| Average Home Value | $1,145,478 |
Housing Distribution
Address Breakdown
Residential
7,910
Single Family
4,380
Multi-Family
3,530
Businesses
1,453
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 2024
N/A lot
$N/A/sqft
$245 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95110, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,128 (100%) |
| Owner Occupied HU | 2,342 (28.8%) |
| Renter Occupied HU | 4,967 (61.1%) |
| Vacant Housing Units | 819 (10.1%) |
| Median Home Value | $1,072,331 |
| Average Home Value | $1,145,478 |
Housing Distribution
Address Breakdown
Residential
7,910
Single Family
4,380
Multi-Family
3,530
Businesses
1,453
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices