171 French CtSan JoseCA95139
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play171 French Ct, San Jose, CA, 95139 in San Jose is priced for appreciation, not yield. Rental yield 5.86%. At $1,939,500 with a 5.86% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $535,848 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.09) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $561,233.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 6.0% |
| Monthly Cash Flow | $(2,720) | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $9,469 |
| Total Monthly Debt Service | $11,417 |
| DSCR Ratio | 0.83x |
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 1975
8,479 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95139, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,283 (100%) |
| Owner Occupied HU | 1,762 (77.2%) |
| Renter Occupied HU | 484 (21.2%) |
| Vacant Housing Units | 37 ( 1.6%) |
| Median Home Value | $1,192,475 |
| Average Home Value | $1,290,261 |
Housing Distribution
Address Breakdown
Residential
2,220
Single Family
2,136
Multi-Family
84
Businesses
57
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 1975
8,479 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95139, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,283 (100%) |
| Owner Occupied HU | 1,762 (77.2%) |
| Renter Occupied HU | 484 (21.2%) |
| Vacant Housing Units | 37 ( 1.6%) |
| Median Home Value | $1,192,475 |
| Average Home Value | $1,290,261 |
Housing Distribution
Address Breakdown
Residential
2,220
Single Family
2,136
Multi-Family
84
Businesses
57
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices