185 Union Ave APT 46CampbellCA95008
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable and efficiently structured, 185 Union Ave APT 46, Campbell, CA, 95008 in Campbell is a conservative rental investment at $510,000. Rental yield 7.32%. A 1.36 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $140,904; $4,697/yr in principal paydown supplements. Total projected return: $148,127.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 4.5% |
| Monthly Cash Flow | $(751) | $300 |
City averages based on Campbell market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,110 |
| Total Monthly Debt Service | $3,658 |
| DSCR Ratio | 0.85x |
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.
Condo
Built in 1978
750 sqft lot
$N/A/sqft
$470 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95008, Campbell, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,351 (100%) |
| Owner Occupied HU | 9,455 (46.5%) |
| Renter Occupied HU | 9,856 (48.4%) |
| Vacant Housing Units | 1,040 ( 5.1%) |
| Median Home Value | $1,687,045 |
| Average Home Value | $1,623,047 |
Housing Distribution
Address Breakdown
Residential
20,528
Single Family
16,123
Multi-Family
4,405
Businesses
2,687
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
Condo
Built in 1978
750 sqft lot
$N/A/sqft
$470 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95008, Campbell, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,351 (100%) |
| Owner Occupied HU | 9,455 (46.5%) |
| Renter Occupied HU | 9,856 (48.4%) |
| Vacant Housing Units | 1,040 ( 5.1%) |
| Median Home Value | $1,687,045 |
| Average Home Value | $1,623,047 |
Housing Distribution
Address Breakdown
Residential
20,528
Single Family
16,123
Multi-Family
4,405
Businesses
2,687
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Louis Costanzo • Vero Properties
Mls Name: MLSListings Inc
Mls Provider:
Mls ID: #ML81997850
Disclaimer: Based on information from the MLSListings MLS as of 2025-03-14 10:13:01 PDT. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.