2570 Downing AveSan JoseCA95128
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 4.01% gross rental yield, 2570 Downing Ave, San Jose, CA, 95128 in San Jose is priced for capital growth, not immediate cash flow. The $1,149,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $317,448 by year five, with $10,582/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.74) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $225,334.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4% | 6.0% |
| Monthly Cash Flow | $(3,568) | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,840 |
| Total Monthly Debt Service | $6,651 |
| DSCR Ratio | 0.58x |
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 1979
1,739 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 1979
1,739 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: MLSListings Inc
Mls ID: #ML82038257