30 S 22nd St #6SanjoseCA95116
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 30 S 22nd St #6, Sanjose, CA, 95116 in Sanjose worth study. Rental yield 4.48%. The 4.48% gross yield is below cash-flow benchmarks at $835,000, but 5% annual appreciation, adding $230,695 over five years, frames this as a capital growth position. Rent of $3,114/mo partially offsets the $3,755/mo payment. Ziffy Mortgage finances appreciation-play properties (0.83 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $184,600.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 5.0% |
| Monthly Cash Flow | $(2,051) | $1,200 |
City averages based on Sanjose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,114 |
| Total Monthly Debt Service | $4,833 |
| DSCR Ratio | 0.64x |
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.
Townhouse
Built in 2024
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95116, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,124 (100%) |
| Owner Occupied HU | 5,324 (35.2%) |
| Renter Occupied HU | 9,297 (61.5%) |
| Vacant Housing Units | 503 ( 3.3%) |
| Median Home Value | $826,853 |
| Average Home Value | $900,082 |
Housing Distribution
Address Breakdown
Residential
13,622
Single Family
12,194
Multi-Family
1,428
Businesses
1,003
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 2024
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95116, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,124 (100%) |
| Owner Occupied HU | 5,324 (35.2%) |
| Renter Occupied HU | 9,297 (61.5%) |
| Vacant Housing Units | 503 ( 3.3%) |
| Median Home Value | $826,853 |
| Average Home Value | $900,082 |
Housing Distribution
Address Breakdown
Residential
13,622
Single Family
12,194
Multi-Family
1,428
Businesses
1,003
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Domarina Beitpoulice • 1st Class Realty Co
Mls Name: MLSListings Inc
Mls ID: #ML82016614