3281 Eagle Ct #304-4San JoseCA95117
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 3281 Eagle Ct #304-4, San Jose, CA, 95117 in San Jose the bet is firmly on appreciation. Rental yield 5.5%. The 5.5% gross yield on a $1,204,536 price is below income-first thresholds, but 5%/yr value growth projects $332,791 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (1.02) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $332,478.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 6.0% |
| Monthly Cash Flow | $(2,401) | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $5,520 |
| Total Monthly Debt Service | $6,972 |
| DSCR Ratio | 0.79x |
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 2022
1 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95117, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,893 (100%) |
| Owner Occupied HU | 3,637 (26.2%) |
| Renter Occupied HU | 9,042 (65.1%) |
| Vacant Housing Units | 1,214 ( 8.7%) |
| Median Home Value | $1,559,959 |
| Average Home Value | $1,508,930 |
Housing Distribution
Address Breakdown
Residential
11,151
Single Family
9,359
Multi-Family
1,792
Businesses
426
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 2022
1 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95117, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,893 (100%) |
| Owner Occupied HU | 3,637 (26.2%) |
| Renter Occupied HU | 9,042 (65.1%) |
| Vacant Housing Units | 1,214 ( 8.7%) |
| Median Home Value | $1,559,959 |
| Average Home Value | $1,508,930 |
Housing Distribution
Address Breakdown
Residential
11,151
Single Family
9,359
Multi-Family
1,792
Businesses
426
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MLSListings Inc
Mls ID: #ML82049211