3114 Coldwater DrSan JoseCA95148
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 3114 Coldwater Dr, San Jose, CA, 95148 in San Jose: $8,210/mo in rent, $794/mo in net income, 8.22% gross yield, 1.52 DSCR, all at $1,198,800. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $331,206 in appreciation and $11,041/yr in principal paydown projects total cumulative return of $505,627.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.0% |
| Monthly Cash Flow | $794 | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $8,210 |
| Total Monthly Debt Service | $6,939 |
| DSCR Ratio | 1.18x |
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.
Single Family
Built in 1965
5,663 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95148, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,859 (100%) |
| Owner Occupied HU | 9,088 (76.6%) |
| Renter Occupied HU | 2,555 (21.5%) |
| Vacant Housing Units | 216 ( 1.8%) |
| Median Home Value | $1,336,547 |
| Average Home Value | $1,411,840 |
Housing Distribution
Address Breakdown
Residential
11,703
Single Family
11,600
Multi-Family
103
Businesses
282
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
Single Family
Built in 1965
5,663 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95148, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,859 (100%) |
| Owner Occupied HU | 9,088 (76.6%) |
| Renter Occupied HU | 2,555 (21.5%) |
| Vacant Housing Units | 216 ( 1.8%) |
| Median Home Value | $1,336,547 |
| Average Home Value | $1,411,840 |
Housing Distribution
Address Breakdown
Residential
11,703
Single Family
11,600
Multi-Family
103
Businesses
282
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices