1577 Sandra Kay CtSan JoseCA95126
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 1577 Sandra Kay Ct, San Jose, CA, 95126 in San Jose is listed at $885,000 and delivers $6,221/mo in rent and $371/mo in net monthly cash flow. The 8.43% yield and 1.56 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $244,509 over five years, and $8,151/yr in principal reduction supplements cash return. Total projected cumulative return: $361,051.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.0% |
| Monthly Cash Flow | $371 | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,221 |
| Total Monthly Debt Service | $5,498 |
| DSCR Ratio | 1.13x |
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 1994
1,206 sqft lot
$N/A/sqft
$375 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95126, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,368 (100%) |
| Owner Occupied HU | 4,905 (26.7%) |
| Renter Occupied HU | 12,253 (66.7%) |
| Vacant Housing Units | 1,210 ( 6.6%) |
| Median Home Value | $1,438,605 |
| Average Home Value | $1,482,739 |
Housing Distribution
Address Breakdown
Residential
17,293
Single Family
10,636
Multi-Family
6,657
Businesses
1,415
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 1994
1,206 sqft lot
$N/A/sqft
$375 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95126, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,368 (100%) |
| Owner Occupied HU | 4,905 (26.7%) |
| Renter Occupied HU | 12,253 (66.7%) |
| Vacant Housing Units | 1,210 ( 6.6%) |
| Median Home Value | $1,438,605 |
| Average Home Value | $1,482,739 |
Housing Distribution
Address Breakdown
Residential
17,293
Single Family
10,636
Multi-Family
6,657
Businesses
1,415
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices