1269 Holly Hill DrSan JoseCA95122
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 1269 Holly Hill Dr, San Jose, CA, 95122 in San Jose at $860,000 earns $5,389/mo in rent and nets $69/mo after the $3,867/mo payment, a 7.52% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $237,602 over five years. Ziffy Mortgage underwrites this on a 1.39 DSCR without U.S. credit history. With $7,921/yr in principal paydown, total projected return reaches $330,570.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.0% |
| Monthly Cash Flow | $69 | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,389 |
| Total Monthly Debt Service | $4,978 |
| DSCR Ratio | 1.08x |
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.
Single Family
Built in 1971
3,247 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95122, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,141 (100%) |
| Owner Occupied HU | 6,416 (48.8%) |
| Renter Occupied HU | 6,309 (48.0%) |
| Vacant Housing Units | 416 ( 3.2%) |
| Median Home Value | $829,339 |
| Average Home Value | $880,897 |
Housing Distribution
Address Breakdown
Residential
12,708
Single Family
10,964
Multi-Family
1,744
Businesses
1,332
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 1971
3,247 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95122, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,141 (100%) |
| Owner Occupied HU | 6,416 (48.8%) |
| Renter Occupied HU | 6,309 (48.0%) |
| Vacant Housing Units | 416 ( 3.2%) |
| Median Home Value | $829,339 |
| Average Home Value | $880,897 |
Housing Distribution
Address Breakdown
Residential
12,708
Single Family
10,964
Multi-Family
1,744
Businesses
1,332
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Rebecca Smith • Coldwell Banker Realty
Mls Name: MLSListings Inc
Mls Provider:
Mls ID: #ML82011618
Disclaimer: Based on information from the MLSListings MLS as of 2025-10-31 21:36:07 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.