190 W San Martin AveSan MartinCA95046
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 190 W San Martin Ave, San Martin, CA, 95046 in San Martin. Rental yield 3.74%. At $1,488,800 with 3.74% gross yield, current distributions are modest, but the 5% appreciation rate projects $411,328 in new equity by year five, complemented by $13,712/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.69) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $270,519.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.7% | 6.0% |
| Monthly Cash Flow | $(4,568) | $300 |
City averages based on San Martin market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,642 |
| Total Monthly Debt Service | $8,618 |
| DSCR Ratio | 0.54x |
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 1955
0.76 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95046, San Martin, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,919 (100%) |
| Owner Occupied HU | 1,294 (67.4%) |
| Renter Occupied HU | 507 (26.4%) |
| Vacant Housing Units | 118 ( 6.1%) |
| Median Home Value | $1,586,420 |
| Average Home Value | $1,563,049 |
Housing Distribution
Address Breakdown
Residential
1,559
Single Family
1,559
Multi-Family
0
Businesses
237
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 1955
0.76 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95046, San Martin, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,919 (100%) |
| Owner Occupied HU | 1,294 (67.4%) |
| Renter Occupied HU | 507 (26.4%) |
| Vacant Housing Units | 118 ( 6.1%) |
| Median Home Value | $1,586,420 |
| Average Home Value | $1,563,049 |
Housing Distribution
Address Breakdown
Residential
1,559
Single Family
1,559
Multi-Family
0
Businesses
237
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kristy Kessler • Intero Real Estate Services
Mls Name: MLSListings Inc
Mls ID: #ML82014668