145 Declaration WaySan JoseCA95116
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe headline number at 145 Declaration Way, San Jose, CA, 95116 in San Jose is the 1.53 coverage ratio: rent of $5,920/mo versus a $3,867/mo debt payment on a $860,000 property. Rental yield 8.26%. That margin is what gives Ziffy Mortgage's DSCR loan the coverage it needs for a clean, fast approval, no W-2s, no U.S. residency. Appreciation at 5%/yr projects $237,602 by year five, with $7,921/yr in equity from paydown. Total projected cumulative return: $328,014.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.0% |
| Monthly Cash Flow | $(12) | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,920 |
| Total Monthly Debt Service | $5,589 |
| 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.
Townhouse
Built in 1988
1,352 sqft lot
$N/A/sqft
$212 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95116, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,124 (100%) |
| Owner Occupied HU | 5,324 (35.2%) |
| Renter Occupied HU | 9,297 (61.5%) |
| Vacant Housing Units | 503 ( 3.3%) |
| Median Home Value | $826,853 |
| Average Home Value | $900,082 |
Housing Distribution
Address Breakdown
Residential
13,622
Single Family
12,194
Multi-Family
1,428
Businesses
1,003
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 1988
1,352 sqft lot
$N/A/sqft
$212 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95116, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,124 (100%) |
| Owner Occupied HU | 5,324 (35.2%) |
| Renter Occupied HU | 9,297 (61.5%) |
| Vacant Housing Units | 503 ( 3.3%) |
| Median Home Value | $826,853 |
| Average Home Value | $900,082 |
Housing Distribution
Address Breakdown
Residential
13,622
Single Family
12,194
Multi-Family
1,428
Businesses
1,003
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices