3248 Woody LnSan JoseCA95132
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play3248 Woody Ln, San Jose, CA, 95132 in San Jose is priced for appreciation, not yield. Rental yield 3.84%. At $1,699,000 with a 3.84% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $469,402 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.71) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $318,135.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.8% | 6.0% |
| Monthly Cash Flow | $(5,067) | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,443 |
| Total Monthly Debt Service | $9,834 |
| DSCR Ratio | 0.55x |
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.
Single Family
Built in 1966
5,974 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95132, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,983 (100%) |
| Owner Occupied HU | 8,140 (67.9%) |
| Renter Occupied HU | 3,498 (29.2%) |
| Vacant Housing Units | 345 ( 2.9%) |
| Median Home Value | $1,313,557 |
| Average Home Value | $1,340,748 |
Housing Distribution
Address Breakdown
Residential
12,005
Single Family
11,429
Multi-Family
576
Businesses
242
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 1966
5,974 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95132, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,983 (100%) |
| Owner Occupied HU | 8,140 (67.9%) |
| Renter Occupied HU | 3,498 (29.2%) |
| Vacant Housing Units | 345 ( 2.9%) |
| Median Home Value | $1,313,557 |
| Average Home Value | $1,340,748 |
Housing Distribution
Address Breakdown
Residential
12,005
Single Family
11,429
Multi-Family
576
Businesses
242
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Patrick Farnsworth • Christie's International Real Estate Sereno
Mls Name: MLSListings Inc
Mls ID: #ML82021049