25 S 3rd St UNIT 311San JoseCA95113
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder25 S 3rd St UNIT 311, San Jose, CA, 95113 in San Jose earns a respectable 7.5% gross yield at $519,000, but after the $2,334/mo mortgage the net cash flow is $34/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.39) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $143,390 over five years, making equity the dominant return driver. Total projected return: $199,010.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.0% |
| Monthly Cash Flow | $34 | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,245 |
| Total Monthly Debt Service | $3,004 |
| DSCR Ratio | 1.08x |
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
801 sqft 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
801 sqft 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: Keith Walker • Intero Real Estate Services
Mls Name: MLSListings Inc
Mls ID: #ML82009660