262 Tradewinds Ct APT 4San JoseCA95123
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 262 Tradewinds Ct APT 4, San Jose, CA, 95123 in San Jose. At $489,000 it earns $3,272/mo in rent and distributes $247/mo to the owner after the $2,199/mo payment, a consistent 8.03% yield. DSCR 1.49 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $135,102 in value; $4,504/yr in principal paydown compounds ownership stake. Total projected return: $201,339.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.0% |
| Monthly Cash Flow | $247 | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,272 |
| Total Monthly Debt Service | $2,830 |
| DSCR Ratio | 1.16x |
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 1970
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95123, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,587 (100%) |
| Owner Occupied HU | 14,216 (57.8%) |
| Renter Occupied HU | 9,594 (39.0%) |
| Vacant Housing Units | 777 ( 3.2%) |
| Median Home Value | $1,169,061 |
| Average Home Value | $1,179,482 |
Housing Distribution
Address Breakdown
Residential
24,862
Single Family
20,176
Multi-Family
4,686
Businesses
950
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 1970
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95123, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,587 (100%) |
| Owner Occupied HU | 14,216 (57.8%) |
| Renter Occupied HU | 9,594 (39.0%) |
| Vacant Housing Units | 777 ( 3.2%) |
| Median Home Value | $1,169,061 |
| Average Home Value | $1,179,482 |
Housing Distribution
Address Breakdown
Residential
24,862
Single Family
20,176
Multi-Family
4,686
Businesses
950
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kim Dao • Pacificwide Real Estate & Mortgage
Mls Name: MLSListings Inc
Mls ID: #ML82018140