365 San Andreas DrMilpitasCA95035
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 365 San Andreas Dr, Milpitas, CA, 95035 in Milpitas is capital appreciation. Rental yield 3.73%. The 3.73% gross yield at $1,575,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $435,143 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.69) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $285,553.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.7% | 4.5% |
| Monthly Cash Flow | $(4,844) | $300 |
City averages based on Milpitas market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,900 |
| Total Monthly Debt Service | $9,117 |
| DSCR Ratio | 0.54x |
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 1977
6,050 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95035, Milpitas, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 27,556 (100%) |
| Owner Occupied HU | 14,923 (54.2%) |
| Renter Occupied HU | 11,649 (42.3%) |
| Vacant Housing Units | 984 ( 3.6%) |
| Median Home Value | $1,330,681 |
| Average Home Value | $1,367,093 |
Housing Distribution
Address Breakdown
Residential
26,119
Single Family
21,590
Multi-Family
4,529
Businesses
2,738
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 1977
6,050 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95035, Milpitas, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 27,556 (100%) |
| Owner Occupied HU | 14,923 (54.2%) |
| Renter Occupied HU | 11,649 (42.3%) |
| Vacant Housing Units | 984 ( 3.6%) |
| Median Home Value | $1,330,681 |
| Average Home Value | $1,367,093 |
Housing Distribution
Address Breakdown
Residential
26,119
Single Family
21,590
Multi-Family
4,529
Businesses
2,738
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: David Nguyen • Compass
Mls Name: MLSListings Inc
Mls Provider:
Mls ID: #ML82015463
Disclaimer: Based on information from the MLSListings MLS as of 2025-10-23 03:09:27 PDT. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.