2135 Little Orchard St SPACE 77San JoseCA95125
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 2135 Little Orchard St SPACE 77, San Jose, CA, 95125 in San Jose. Priced at $339,900, it generates $3,976/mo in gross rent and $1,873/mo in net monthly cash flow, a 14.04% yield that comfortably supports the 2.60 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $22,475. Five-year appreciation: $93,908. Equity from principal paydown: $3,131/yr. Total projected cumulative return: $249,446.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14% | 6.0% |
| Monthly Cash Flow | $1,873 | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,976 |
| Total Monthly Debt Service | $1,967 |
| DSCR Ratio | 2.02x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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.
Manufactured
Built in 1991
N/A 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
Manufactured
Built in 1991
N/A 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