1598 Pacific AveSan JoseCA95002
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 1598 Pacific Ave, San Jose, CA, 95002 in San Jose is capital appreciation. Rental yield 4.89%. The 4.89% gross yield at $1,250,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $345,352 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.91) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $303,907.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 6.0% |
| Monthly Cash Flow | $(2,642) | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,090 |
| Total Monthly Debt Service | $7,235 |
| DSCR Ratio | 0.70x |
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.
Single Family
Built in 1991
6,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95002, Alviso, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 604 (100%) |
| Owner Occupied HU | 366 (60.6%) |
| Renter Occupied HU | 211 (34.9%) |
| Vacant Housing Units | 27 ( 4.5%) |
| Median Home Value | $1,008,333 |
| Average Home Value | $885,874 |
Housing Distribution
Address Breakdown
Residential
7
Single Family
7
Multi-Family
0
Businesses
114
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 1991
6,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95002, Alviso, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 604 (100%) |
| Owner Occupied HU | 366 (60.6%) |
| Renter Occupied HU | 211 (34.9%) |
| Vacant Housing Units | 27 ( 4.5%) |
| Median Home Value | $1,008,333 |
| Average Home Value | $885,874 |
Housing Distribution
Address Breakdown
Residential
7
Single Family
7
Multi-Family
0
Businesses
114
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ryan Alter • EQ1
Mls Name: MLSListings Inc
Mls ID: #ML82020675