144 S 3rd St UNIT 334San JoseCA95112
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis is a cash-flow-light asset: 144 S 3rd St UNIT 334, San Jose, CA, 95112 in San Jose, $750,000, 9.42% gross yield, $26/mo net income. Consider it a market-entry position, the $5,887/mo rent covers the $3,372/mo payment with a margin, and 5%/yr appreciation is projected to add $207,211 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.75) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $291,376.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.0% |
| Monthly Cash Flow | $26 | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,887 |
| Total Monthly Debt Service | $5,563 |
| DSCR Ratio | 1.06x |
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 1997
N/A lot
$N/A/sqft
$892 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 1997
N/A lot
$N/A/sqft
$892 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