2151 Oakland Rd Space 229San JoseCA95131
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 2151 Oakland Rd Space 229, San Jose, CA, 95131 in San Jose at $349,999 earns $2,354/mo in rent and nets $189/mo after the $1,574/mo payment, a 8.07% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $96,698 over five years. Ziffy Mortgage underwrites this on a 1.50 DSCR without U.S. credit history. With $3,224/yr in principal paydown, total projected return reaches $144,847.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.0% |
| Monthly Cash Flow | $189 | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,354 |
| Total Monthly Debt Service | $2,026 |
| DSCR Ratio | 1.16x |
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 1972
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95131, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,194 (100%) |
| Owner Occupied HU | 5,846 (52.2%) |
| Renter Occupied HU | 4,586 (41.0%) |
| Vacant Housing Units | 762 ( 6.8%) |
| Median Home Value | $1,261,536 |
| Average Home Value | $1,231,983 |
Housing Distribution
Address Breakdown
Residential
9,913
Single Family
9,412
Multi-Family
501
Businesses
2,034
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 1972
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95131, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,194 (100%) |
| Owner Occupied HU | 5,846 (52.2%) |
| Renter Occupied HU | 4,586 (41.0%) |
| Vacant Housing Units | 762 ( 6.8%) |
| Median Home Value | $1,261,536 |
| Average Home Value | $1,231,983 |
Housing Distribution
Address Breakdown
Residential
9,913
Single Family
9,412
Multi-Family
501
Businesses
2,034
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MLSListings Inc
Mls ID: #ML82038479