1884 Patio DrSan JoseCA95125
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 1884 Patio Dr, San Jose, CA, 95125 in San Jose fits: $1,998,000, 4.94% gross yield, and a projected 5% annual appreciation rate adding $552,011 in value within five years. Rental yield 4.94%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.91) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $18,402/yr in principal paydown and $552,011 in appreciation project a total return of $466,347.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 6.0% |
| Monthly Cash Flow | $(4,554) | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $8,218 |
| Total Monthly Debt Service | $11,976 |
| DSCR Ratio | 0.69x |
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 1953
9,583 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 1953
9,583 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