2542 Downing AveSan JoseCA95128
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 2542 Downing Ave, San Jose, CA, 95128 in San Jose worth study. Rental yield 3.82%. The 3.82% gross yield is below cash-flow benchmarks at $1,645,200, but 5% annual appreciation, adding $454,538 over five years, frames this as a capital growth position. Rent of $5,242/mo partially offsets the $7,398/mo payment. Ziffy Mortgage finances appreciation-play properties (0.71 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $297,289.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.8% | 6.0% |
| Monthly Cash Flow | $(5,084) | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,242 |
| Total Monthly Debt Service | $9,671 |
| DSCR Ratio | 0.54x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Single Family
Built in 1961
5,924 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95128, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,742 (100%) |
| Owner Occupied HU | 5,144 (37.4%) |
| Renter Occupied HU | 7,805 (56.8%) |
| Vacant Housing Units | 793 ( 5.8%) |
| Median Home Value | $1,429,919 |
| Average Home Value | $1,417,628 |
Housing Distribution
Address Breakdown
Residential
14,926
Single Family
11,845
Multi-Family
3,081
Businesses
1,610
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
Single Family
Built in 1961
5,924 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95128, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,742 (100%) |
| Owner Occupied HU | 5,144 (37.4%) |
| Renter Occupied HU | 7,805 (56.8%) |
| Vacant Housing Units | 793 ( 5.8%) |
| Median Home Value | $1,429,919 |
| Average Home Value | $1,417,628 |
Housing Distribution
Address Breakdown
Residential
14,926
Single Family
11,845
Multi-Family
3,081
Businesses
1,610
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A