125 Hobson St APT 4ASan JoseCA95110
INVESTMENT ANALYSIS
Investment Verdict
Solid Income125 Hobson St APT 4A, San Jose, CA, 95110 in San Jose carries a 1.52 coverage ratio, rent of $4,075/mo is 1.52 times the $2,689/mo payment. Rental yield 8.18%. That margin gives both the investor and Ziffy Mortgage's DSCR underwriting a comfortable buffer at a $598,000 acquisition price. No U.S. credit or income documentation required. Five-year appreciation adds $165,216; total projected cumulative return: $250,932.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.0% |
| Monthly Cash Flow | $(83) | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,075 |
| Total Monthly Debt Service | $3,461 |
| DSCR Ratio | 1.18x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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 1986
N/A lot
$N/A/sqft
No 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
Condo
Built in 1986
N/A lot
$N/A/sqft
No 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
Listed by: Molly Ngo • Block Change Real Estate
Mls Name: MLSListings Inc
Mls ID: #ML82031949