247 N Capitol Ave Unit 161San JoseCA95127
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeMost investment properties struggle to clear the 1.25x DSCR minimum. 247 N Capitol Ave Unit 161, San Jose, CA, 95127 in San Jose clears it at 1.58, a meaningful distinction for the Ziffy Mortgage DSCR approval process. Rental yield 8.54%. Strong coverage makes approval clean and leaves room for vacancy without breaching underwriting thresholds. Five-year appreciation: $110,482; $3,683/yr in principal equity; total projected return: $175,557.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.0% |
| Monthly Cash Flow | $(215) | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,845 |
| Total Monthly Debt Service | $2,315 |
| DSCR Ratio | 1.23x |
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.
Condo
Built in 1977
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95127, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,008 (100%) |
| Owner Occupied HU | 9,921 (62.0%) |
| Renter Occupied HU | 5,566 (34.8%) |
| Vacant Housing Units | 521 ( 3.3%) |
| Median Home Value | $1,020,992 |
| Average Home Value | $1,202,002 |
Housing Distribution
Address Breakdown
Residential
16,081
Single Family
14,809
Multi-Family
1,272
Businesses
511
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 1977
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95127, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,008 (100%) |
| Owner Occupied HU | 9,921 (62.0%) |
| Renter Occupied HU | 5,566 (34.8%) |
| Vacant Housing Units | 521 ( 3.3%) |
| Median Home Value | $1,020,992 |
| Average Home Value | $1,202,002 |
Housing Distribution
Address Breakdown
Residential
16,081
Single Family
14,809
Multi-Family
1,272
Businesses
511
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MLSListings Inc
Mls ID: #ML82038155