3965-3967 Bismarck DrSan JoseCA95130
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 3965-3967 Bismarck Dr, San Jose, CA, 95130 in San Jose at $1,590,000, 4.35% gross yield, is a market-growth asset. Rental yield 4.35%. The $5,760/mo rent partially funds the $7,150/mo debt service; the core return is the 5%/yr price growth projected to add $439,288 over five years. Ziffy Mortgage's DSCR mortgage (0.81) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $340,590.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 6.0% |
| Monthly Cash Flow | $(4,076) | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,760 |
| Total Monthly Debt Service | $9,203 |
| DSCR Ratio | 0.63x |
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.
Multi Family
Built in 1961
6,303 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95130, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,950 (100%) |
| Owner Occupied HU | 2,650 (53.5%) |
| Renter Occupied HU | 2,140 (43.2%) |
| Vacant Housing Units | 160 ( 3.2%) |
| Median Home Value | $1,789,386 |
| Average Home Value | $1,767,165 |
Housing Distribution
Address Breakdown
Residential
4,945
Single Family
4,600
Multi-Family
345
Businesses
98
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
Multi Family
Built in 1961
6,303 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95130, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,950 (100%) |
| Owner Occupied HU | 2,650 (53.5%) |
| Renter Occupied HU | 2,140 (43.2%) |
| Vacant Housing Units | 160 ( 3.2%) |
| Median Home Value | $1,789,386 |
| Average Home Value | $1,767,165 |
Housing Distribution
Address Breakdown
Residential
4,945
Single Family
4,600
Multi-Family
345
Businesses
98
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MLSListings Inc
Mls ID: #ML82041049