1785 Santa Barbara DrSan JoseCA95125
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestment property for sale in San Jose at 1785 Santa Barbara Dr, San Jose, CA, 95125 projects strong ROI of 1.86%. Rental yield 1.55%. With 5% annual appreciation, the property builds $936,042 in value over five years. Equity growth combined delivers a projected five-year ROI of 22.71%, translating into $217,343 in total cumulative return on $957,110 invested capital. You can finance this property with Ziffy Mortgage’s DSCR loan, which leverages the property’s income for qualification rather than your personal income.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.6% | 6.0% |
| Monthly Cash Flow | $(16,585) | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,374 |
| Total Monthly Debt Service | $19,611 |
| DSCR Ratio | 0.22x |
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 2016
8,914 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95125, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,815 (100%) |
| Owner Occupied HU | 12,828 (58.8%) |
| Renter Occupied HU | 8,020 (36.8%) |
| Vacant Housing Units | 967 ( 4.4%) |
| Median Home Value | $1,688,209 |
| Average Home Value | $1,602,473 |
Housing Distribution
Address Breakdown
Residential
21,513
Single Family
17,972
Multi-Family
3,541
Businesses
1,706
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 2016
8,914 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95125, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,815 (100%) |
| Owner Occupied HU | 12,828 (58.8%) |
| Renter Occupied HU | 8,020 (36.8%) |
| Vacant Housing Units | 967 ( 4.4%) |
| Median Home Value | $1,688,209 |
| Average Home Value | $1,602,473 |
Housing Distribution
Address Breakdown
Residential
21,513
Single Family
17,972
Multi-Family
3,541
Businesses
1,706
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Darcey Arena • Casa Divina Real Estate
Mls Name: MLSListings Inc
Mls ID: #ML82022932