25 S 3rd St UNIT 103San JoseCA95113
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 25 S 3rd St UNIT 103, San Jose, CA, 95113 in San Jose. At $540,000 it earns $3,667/mo in rent and distributes $327/mo to the owner after the $2,428/mo payment, a consistent 8.15% yield. DSCR 1.51 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $149,192 in value; $4,973/yr in principal paydown compounds ownership stake. Total projected return: $225,790.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.0% |
| Monthly Cash Flow | $327 | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,667 |
| Total Monthly Debt Service | $3,126 |
| DSCR Ratio | 1.17x |
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 2007
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95113, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,214 (100%) |
| Owner Occupied HU | 569 (17.7%) |
| Renter Occupied HU | 2,130 (66.3%) |
| Vacant Housing Units | 515 (16.0%) |
| Median Home Value | $1,242,038 |
| Average Home Value | $1,376,479 |
Housing Distribution
Address Breakdown
Residential
2,039
Single Family
177
Multi-Family
1,862
Businesses
1,259
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 2007
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95113, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,214 (100%) |
| Owner Occupied HU | 569 (17.7%) |
| Renter Occupied HU | 2,130 (66.3%) |
| Vacant Housing Units | 515 (16.0%) |
| Median Home Value | $1,242,038 |
| Average Home Value | $1,376,479 |
Housing Distribution
Address Breakdown
Residential
2,039
Single Family
177
Multi-Family
1,862
Businesses
1,259
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michael Bui • EQ1
Mls Name: MLSListings Inc
Mls ID: #ML82015077