3294 Pearltone DrSan JoseCA95117
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestment property for sale in San Jose at 3294 Pearltone Dr, San Jose, CA, 95117 projects strong ROI of 6.72%. Rental yield 2.92%. With 5% annual appreciation, the property builds $621,357 in value over five years. Equity growth combined delivers a projected five-year ROI of 48.8%, translating into $310,065 in total cumulative return on $635,343 invested capital. You can finance this property with Ziffy Mortgage’s DSCR loan, which leverages the property’s income for qualification rather than your personal income.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.9% | 6.0% |
| Monthly Cash Flow | $(8,433) | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,479 |
| Total Monthly Debt Service | $13,018 |
| DSCR Ratio | 0.42x |
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 1963
8,288 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 1963
8,288 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: Kate Davey • CENTURY 21 Masters
Mls Name: MLSListings Inc
Mls ID: #ML82030319