2607 Whispering Hills Cir UNIT 2607San JoseCA95148
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 2607 Whispering Hills Cir UNIT 2607, San Jose, CA, 95148 in San Jose: $3,428/mo in rent, $1,140/mo net, 11.12% gross yield, all on a $369,900 acquisition. The 2.06 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $102,197 in value, and $3,407/yr in principal paydown steadily builds equity. Projected total cumulative return: $213,662.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.1% | 6.0% |
| Monthly Cash Flow | $1,140 | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,428 |
| Total Monthly Debt Service | $2,141 |
| DSCR Ratio | 1.60x |
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.
Manufactured
Built in 1979
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95148, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,859 (100%) |
| Owner Occupied HU | 9,088 (76.6%) |
| Renter Occupied HU | 2,555 (21.5%) |
| Vacant Housing Units | 216 ( 1.8%) |
| Median Home Value | $1,336,547 |
| Average Home Value | $1,411,840 |
Housing Distribution
Address Breakdown
Residential
11,703
Single Family
11,600
Multi-Family
103
Businesses
282
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
Manufactured
Built in 1979
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95148, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,859 (100%) |
| Owner Occupied HU | 9,088 (76.6%) |
| Renter Occupied HU | 2,555 (21.5%) |
| Vacant Housing Units | 216 ( 1.8%) |
| Median Home Value | $1,336,547 |
| Average Home Value | $1,411,840 |
Housing Distribution
Address Breakdown
Residential
11,703
Single Family
11,600
Multi-Family
103
Businesses
282
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Todd Su • Realty World-Todd Su & Company
Mls Name: MLSListings Inc
Mls ID: #ML82016611