36 Ryland Park WaySan JoseCA95110
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 36 Ryland Park Way, San Jose, CA, 95110 in San Jose is capital appreciation. Rental yield 4.38%. The 4.38% gross yield at $1,189,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $328,499 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.81) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $217,553.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 6.0% |
| Monthly Cash Flow | $(3,670) | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,341 |
| Total Monthly Debt Service | $7,538 |
| DSCR Ratio | 0.58x |
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.
Townhouse
Built in 2001
1,212 sqft lot
$N/A/sqft
$330 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95110, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,128 (100%) |
| Owner Occupied HU | 2,342 (28.8%) |
| Renter Occupied HU | 4,967 (61.1%) |
| Vacant Housing Units | 819 (10.1%) |
| Median Home Value | $1,072,331 |
| Average Home Value | $1,145,478 |
Housing Distribution
Address Breakdown
Residential
7,910
Single Family
4,380
Multi-Family
3,530
Businesses
1,453
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
Townhouse
Built in 2001
1,212 sqft lot
$N/A/sqft
$330 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95110, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,128 (100%) |
| Owner Occupied HU | 2,342 (28.8%) |
| Renter Occupied HU | 4,967 (61.1%) |
| Vacant Housing Units | 819 (10.1%) |
| Median Home Value | $1,072,331 |
| Average Home Value | $1,145,478 |
Housing Distribution
Address Breakdown
Residential
7,910
Single Family
4,380
Multi-Family
3,530
Businesses
1,453
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jasmin Ongsiako • Financial Home Associates
Mls Name: SFAR
Mls Provider:
Mls ID: #425032431
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.