3157 Oakbridge DrSan JoseCA95121
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew San Jose rentals match the income profile of 3157 Oakbridge Dr, San Jose, CA, 95121. Listed at $343,000, gross rent is $5,290/mo and net cash flow is $3,168/mo, a 18.51% yield well above national averages. DSCR 3.43 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $94,765 by year five with $3,159/yr in annual principal reduction, projecting $333,936 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 18.5% | 6.0% |
| Monthly Cash Flow | $3,168 | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,290 |
| Total Monthly Debt Service | $1,985 |
| DSCR Ratio | 2.66x |
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.
Manufactured
Built in 1978
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95121, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,582 (100%) |
| Owner Occupied HU | 6,754 (70.5%) |
| Renter Occupied HU | 2,562 (26.7%) |
| Vacant Housing Units | 266 ( 2.8%) |
| Median Home Value | $1,053,157 |
| Average Home Value | $1,210,630 |
Housing Distribution
Address Breakdown
Residential
9,795
Single Family
9,652
Multi-Family
143
Businesses
369
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
Manufactured
Built in 1978
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95121, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,582 (100%) |
| Owner Occupied HU | 6,754 (70.5%) |
| Renter Occupied HU | 2,562 (26.7%) |
| Vacant Housing Units | 266 ( 2.8%) |
| Median Home Value | $1,053,157 |
| Average Home Value | $1,210,630 |
Housing Distribution
Address Breakdown
Residential
9,795
Single Family
9,652
Multi-Family
143
Businesses
369
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices