2851 Lavender TrlSan JoseCA95111
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 2851 Lavender Trl, San Jose, CA, 95111 in San Jose worth study. Rental yield 5.16%. The 5.16% gross yield is below cash-flow benchmarks at $1,100,000, but 5% annual appreciation, adding $303,910 over five years, frames this as a capital growth position. Rent of $4,732/mo partially offsets the $4,946/mo payment. Ziffy Mortgage finances appreciation-play properties (0.96 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $259,331.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 6.0% |
| Monthly Cash Flow | $(2,479) | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,732 |
| Total Monthly Debt Service | $6,773 |
| DSCR Ratio | 0.70x |
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.
Condo
Built in 2007
0.40 Acres lot
$N/A/sqft
$276 monthly 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
Condo
Built in 2007
0.40 Acres lot
$N/A/sqft
$276 monthly 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