2701 Lone Bluff Way #18San JoseCA95111
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.42% yield at 2701 Lone Bluff Way #18, San Jose, CA, 95111 in San Jose is solid, but the $2,541/mo payment compresses net cash flow to $0/mo at $565,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $156,099 by year five, and $5,204/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.38) without U.S. income documentation. Total projected return: $214,295.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.0% |
| Monthly Cash Flow | $0 | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,496 |
| Total Monthly Debt Service | $3,270 |
| DSCR Ratio | 1.07x |
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.
Townhouse
Built in 1983
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95111, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,643 (100%) |
| Owner Occupied HU | 8,898 (53.5%) |
| Renter Occupied HU | 7,339 (44.1%) |
| Vacant Housing Units | 406 ( 2.4%) |
| Median Home Value | $857,011 |
| Average Home Value | $974,302 |
Housing Distribution
Address Breakdown
Residential
16,177
Single Family
14,754
Multi-Family
1,423
Businesses
703
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
Townhouse
Built in 1983
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95111, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,643 (100%) |
| Owner Occupied HU | 8,898 (53.5%) |
| Renter Occupied HU | 7,339 (44.1%) |
| Vacant Housing Units | 406 ( 2.4%) |
| Median Home Value | $857,011 |
| Average Home Value | $974,302 |
Housing Distribution
Address Breakdown
Residential
16,177
Single Family
14,754
Multi-Family
1,423
Businesses
703
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Thanh Tran • On Time Realty Corporation
Mls Name: MLSListings Inc
Mls ID: #ML82027229