4155 Holly DrSan JoseCA95127
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 4.23% gross rental yield, 4155 Holly Dr, San Jose, CA, 95127 in San Jose is priced for capital growth, not immediate cash flow. The $1,588,888 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $438,980 by year five, with $14,634/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.78) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $330,601.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.2% | 6.0% |
| Monthly Cash Flow | $(4,224) | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,605 |
| Total Monthly Debt Service | $9,197 |
| DSCR Ratio | 0.61x |
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 1948
8,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95127, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,008 (100%) |
| Owner Occupied HU | 9,921 (62.0%) |
| Renter Occupied HU | 5,566 (34.8%) |
| Vacant Housing Units | 521 ( 3.3%) |
| Median Home Value | $1,020,992 |
| Average Home Value | $1,202,002 |
Housing Distribution
Address Breakdown
Residential
16,081
Single Family
14,809
Multi-Family
1,272
Businesses
511
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 1948
8,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95127, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,008 (100%) |
| Owner Occupied HU | 9,921 (62.0%) |
| Renter Occupied HU | 5,566 (34.8%) |
| Vacant Housing Units | 521 ( 3.3%) |
| Median Home Value | $1,020,992 |
| Average Home Value | $1,202,002 |
Housing Distribution
Address Breakdown
Residential
16,081
Single Family
14,809
Multi-Family
1,272
Businesses
511
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Danny Duong • Infiniti Real Estate
Mls Name: MLSListings Inc
Mls ID: #ML82021318