288 Stonegate CirSan JoseCA95110
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingRental yield 6.09%. No single metric is exceptional, but the combination offers a durable, low-volatility return profile suitable for risk-conscious global investors. Ziffy Mortgage's mortgage qualifies on DSCR alone, no U.S. credit history required. Five-year appreciation adds $121,536, and $4,052/yr in principal equity projects total return of $104,480.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.1% | 6.0% |
| Monthly Cash Flow | $(1,004) | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,232 |
| Total Monthly Debt Service | $3,061 |
| DSCR Ratio | 0.73x |
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 1984
N/A lot
$N/A/sqft
$335 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95110, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,128 (100%) |
| Owner Occupied HU | 2,342 (28.8%) |
| Renter Occupied HU | 4,967 (61.1%) |
| Vacant Housing Units | 819 (10.1%) |
| Median Home Value | $1,072,331 |
| Average Home Value | $1,145,478 |
Housing Distribution
Address Breakdown
Residential
7,910
Single Family
4,380
Multi-Family
3,530
Businesses
1,453
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 1984
N/A lot
$N/A/sqft
$335 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95110, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,128 (100%) |
| Owner Occupied HU | 2,342 (28.8%) |
| Renter Occupied HU | 4,967 (61.1%) |
| Vacant Housing Units | 819 (10.1%) |
| Median Home Value | $1,072,331 |
| Average Home Value | $1,145,478 |
Housing Distribution
Address Breakdown
Residential
7,910
Single Family
4,380
Multi-Family
3,530
Businesses
1,453
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices