140 S 3rd StSan JoseCA95112
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingCapital preservation and steady income define 140 S 3rd St, San Jose, CA, 95112 in San Jose. Rental yield 6.46%. The 1.20 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $218,231 and $7,275/yr in principal reduction project total return of $188,111.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.5% | 6.0% |
| Monthly Cash Flow | $(1,811) | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,249 |
| Total Monthly Debt Service | $5,746 |
| DSCR Ratio | 0.74x |
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.
Condo
Built in 1996
N/A lot
$N/A/sqft
$872 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95112, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,764 (100%) |
| Owner Occupied HU | 6,050 (24.4%) |
| Renter Occupied HU | 16,994 (68.6%) |
| Vacant Housing Units | 1,720 ( 6.9%) |
| Median Home Value | $1,119,691 |
| Average Home Value | $1,168,240 |
Housing Distribution
Address Breakdown
Residential
23,233
Single Family
14,328
Multi-Family
8,905
Businesses
3,455
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 1996
N/A lot
$N/A/sqft
$872 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95112, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,764 (100%) |
| Owner Occupied HU | 6,050 (24.4%) |
| Renter Occupied HU | 16,994 (68.6%) |
| Vacant Housing Units | 1,720 ( 6.9%) |
| Median Home Value | $1,119,691 |
| Average Home Value | $1,168,240 |
Housing Distribution
Address Breakdown
Residential
23,233
Single Family
14,328
Multi-Family
8,905
Businesses
3,455
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices