152 S 23rd StSan JoseCA95116
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.71% yield at 152 S 23rd St, San Jose, CA, 95116 in San Jose is solid, but the $4,492/mo payment compresses net cash flow to $101/mo at $999,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $276,005 by year five, and $9,201/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.43) without U.S. income documentation. Total projected return: $385,850.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.0% |
| Monthly Cash Flow | $101 | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,416 |
| Total Monthly Debt Service | $5,918 |
| 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 1910
4,791 sqft lot
$N/A/sqft
No 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
Single Family
Built in 1910
4,791 sqft lot
$N/A/sqft
No 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